How is the daily value of a car determined?

Daily value can be determined in two ways: via a depreciation formula, or via the current market. Those two methods often give a different answer, and for a selling decision that difference matters.

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Frequently asked questions

How does the depreciation formula work?

Most price guides calculate daily value via a formula: the list price minus a percentage per year and per kilometre. The result is a theoretical value used by insurers like ANWB and Centraal Beheer as a reference. The drawback: the formula does not adjust to current supply and demand.

How does the market price method work?

The market price is what buyers are paying right now on listing platforms such as AutoScout24 and Marktplaats. Keuro collects active listings daily, groups them by make, model, year and fuel type, and calculates the p25, median and p75. That is what the market currently asks.

Which method is more accurate?

For a selling decision, the market price is more accurate: a buyer pays what the market asks, not what a formula says. For insurance purposes, insurers typically use their own price guide, which is formula-based.

Why do the formula and market price sometimes differ considerably?

Popular models hold their value better than the formula expects. Diesels dropped faster than the formula tracked after the nitrogen crisis. EVs with limited supply trade above the formula value. The market corrects continuously.

See an example

See the current market value of a Volkswagen Golf, a Toyota Yaris, an Opel Corsa or a Fiat 500.

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