Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
List price · parts · own damage
Alongside passenger versions, Aixam also supplies van and works versions, and that makes the declared use the heart of the policy for this make.
Deze pagina in het Nederlands: Aixam brommobiel verzekeren.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
An Aixam is by no means always driven privately. Landscape gardeners, service engineers, campsites, local authority departments and care institutions use the van and works versions to move materials over short distances. In insurance terms that is a different risk from the pensioner without a category B licence doing the shopping: more drivers, more stops, more manoeuvring on tight sites and a load space that is rarely empty.
A quotation for this make therefore starts with the question of use. Private, commuting, business carriage of your own goods, hiring out or delivery are different risk classes. What you state comes under the duty of disclosure in Article 7:928 of the Dutch Civil Code; if the actual use differs from it, the insurer may rely on Article 7:930 of the Dutch Civil Codeafter a loss, even where the use had nothing to do with the cause of the damage.
What you carry is never part of the vehicle cover. If you want to know how that works on a larger business vehicle, see the business van. If you use the Aixam for meal or parcel delivery, a separate risk class.
The structure of the cover in three parts, with an overview per situation below.
Damage you cause to others.
Causes beyond your control.
Including damage you cause yourself.
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Four points that make the difference between a policy that pays out and one that does not.
On a van or pick-up version the load space is the reason for buying, but own-damage cover stops at the vehicle. Tools, plants, materials and customers' goods fall outside it, including under comprehensive cover and including where the load space has been broken open. If you want those items covered, separate tools cover or own-goods-in-transit cover is needed, with its own sum insured and a forced-entry condition.
Where a privately driven light quadricycle has one regular driver, the drivers change where the vehicle is used for business. State that several people drive it and check whether the policy contains a driver clause. If your staff drive on your instructions, the duty of care under Article 7:658 of the Dutch Civil Code applies and you are liable for the damage they cause to others under Article 6:170 of the Dutch Civil Code. Cover for occupants then belongs in the assessment.
A tipper body, a closed body, a roof rack, a tow bar, a tool box or advertising lettering all increase the value of the vehicle, but they only count after a loss if they were declared when you applied. Without that declaration, a total loss is settled on the bare vehicle. Keep the invoices for the attachments and ask for written confirmation of what the insurer has included.
Outside the cover are: load, tools and materials in the load space; damage to goods during loading and unloading; overloading or an improperly secured load; hiring out to others and use for delivery without this being declared; wear to the clutch, brakes and drive belt; driving without an AM licence; and damage through intent or wilful recklessness, for which Article 7:952 of the Dutch Civil Code applies.
Insurers weigh these details differently. That is where your saving is.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
This is what people ask us most.
No. The insurance covers the vehicle, not the load. Plants, tools, building materials and customers' goods fall outside every vehicle cover, including comprehensive cover. For those you take out tools cover or own-goods-in-transit cover with its own sum insured. Note the requirement of demonstrable forced entry and the conditions about leaving materials behind outside working hours.
They may, provided every driver holds an AM licence and the policy allows several drivers. State when you apply that the vehicle is shared within an organisation. As an employer you also carry the duty of care under Article 7:658 of the Dutch Civil Code: instruction on use, maintenance of the vehicle and provision for injury to the driver themselves all form part of that.
Rarely as standard. For this vehicle category a replacement vehicle is usually a separate module or is not available at all, while repair times can run on because of the limited stock of parts. If you depend on the vehicle for your work, ask about this module in advance and about the maximum period for which it applies.
Yes. Business use is a different risk class from private use and belongs on the policy, including where the vehicle is also driven privately. If the use changes later, report that during the term. An unreported change can lead to payment being reduced or refused after a loss under Article 7:930 of the Dutch Civil Code.
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
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