Changing drivers · no-claims years in the company's name · employer's risk
Business car insurance through Allianz
A car registered to the business is driven by more people than a private car. That shifts the conversation from the car to the driver, and to your position as an employer.
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Deze pagina in het Nederlands: Zakelijke autoverzekering via Allianz.
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.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Finass acts as a broker for Allianz's commercial general insurance range. We are not tied to this company. We compare several insurers objectively and the choice follows from the cover you need. If you run several vehicles, a fleet insurance soon comes into view, and for vans the van insurance.
The first difference from a private policy lies in the driver. A commercial car policy usually does not insure one main driver, but the group of staff who use the car on the company's behalf. Exactly who falls within that group is set out in the conditions: sometimes anyone with the policyholder's permission, sometimes only people above a certain age or with a minimum number of years' driving experience. If you let a trainee, agency worker or hired-in self-employed professional (zzp'er) drive, check that the person falls within the description before the keys are handed over.
The second difference is your position as an employer. If a member of staff drives for work and is injured, third-party cover offers them nothing where they were driving and caused the accident themselves. The employer may still be liable: Article 7:611 of the Dutch Civil Code requires you, as a good employer, to make proper provision for road use during working hours, alongside the duty of care under Article 7:658 of the Dutch Civil Code. There is separate cover for that. The difference between the variants is set out under WEGAS and WEGAM.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four points that work differently on a company car than on a private one.
No-claims years belong to the business
On a commercial policy, no-claims years are built up in the name of the business and not in the driver's name. If a member of staff moves on or the company is wound up, the discount built up cannot simply be transferred to a private policy. Arrange that in advance, because with most companies a transfer after the event is not possible.
Use that cuts across the cover
Excluded unless separately agreed are paid passenger transport, courier work, driving lessons and hire to third parties. Driving lessons for your own staff and temporarily hiring the car out to a client also fall under this. If the use changes, report it: Article 7:928 of the Dutch Civil Code requires full disclosure and Article 7:930 of the Dutch Civil Code allows the insurer to reduce the payout where information has been withheld.
Private use and the passenger
If the member of staff may also use the car privately, set that out in a user agreement covering the excess, fines and damage outside working hours. In insurance terms little changes, but in legal terms everything does: without an agreement you generally cannot recover damage caused in the employee's own time, because Article 7:661 of the Dutch Civil Code limits an employee's liability to intent or wilful recklessness.
What is not included
The car policy covers the car, not the cargo, not tools or stock in the vehicle, and not the business interruption while you are off the road. Fines and criminal penalties are never insured. Damage caused deliberately is excluded under Article 7:952 of the Dutch Civil Code outside any cover.
What does your premium depend on?
- Number of vehicles: above a certain number, a fleet arrangement applies
- Circle of drivers: a wide group including young drivers counts for more
- Sector and use: sales visits are weighted differently from occasional trips
- The company's claims record: the history in the company's name counts
- Annual mileage per vehicle: a high business mileage pushes the premium up
- Excess: possibly increased for young drivers
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| On a Sunday, a member of staff hits a cyclist while using the company car privately | Yes | Yes |
| A member of staff reverses the car into a customer's loading bay | No | Yes |
| Hail dents the cars on the company premises | No | Yes |
| A collision caused by a trainee who has only just passed their test | Provided that | Provided that |
| A member of staff's laptop is stolen from the parked car | No | No |
| A collision during a journey in which passengers were being carried for payment | No | No |
Anything marked No you insure elsewhere: items in the car on business contents cover, injury to staff on road traffic accident cover.
Frequently asked questions
This is what people ask us most.
May any member of staff drive the car?
That depends on the driver clause on the policy. Some insurers cover any driver with the policyholder's permission, others set a minimum age or a number of years' licence held. If you let someone drive who falls outside that description, own damage may be left uninsured and the insurer will recover the third-party payout from the business.
Are my tools in the car covered as well?
No. Car insurance covers the vehicle, not what is inside it. Tools, measuring equipment and stock belong on business contents or tools insurance, often with requirements about how they are stored and where the vehicle is kept overnight. Theft from a van is a well-known problem and is not paid for without that separate cover.
Who pays for the damage if a member of staff causes an accident?
The insurance pays for the damage to the other party and, where own-damage cover is in place, to your own car. Recovering it from the member of staff is usually not possible: Article 7:661 of the Dutch Civil Code limits their liability to intent or wilful recklessness. An agreed contribution for private use is possible, provided it is set out in writing before the damage occurs.
Do I need to arrange anything extra for staff who are on the road?
Yes, that is advisable. Injury to a member of staff who was driving falls outside the third-party cover on your own car. Under Article 7:611 of the Dutch Civil Code, an employer is expected to arrange proper insurance for that, including for journeys made by private car or by bicycle. Road traffic accident cover for staff fills that gap.
Read more
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