Fleet insurance through Allianz
Above a certain number of vehicles, no-claims years are no longer assessed per car. What counts is what your whole fleet costs in claims over a year. That changes the way you steer.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Finass acts as an intermediary for Allianz's business range. We are not tied to this insurer and compare several insurers objectively; which insurer it becomes follows from the make-up of your fleet and your claims history. For individual vehicles, look at the business car insurance and the van insurance; the general set-up is explained on the hub page on fleet insurance.
A fleet arrangement brings all vehicles together under one contract with one renewal date. There is no longer a bonus-malus ladder per car; instead, the ratio between claims paid and premium paid is reviewed each year, the claims burden percentage. If it stays below the agreed limit, the rate falls. If it rises, an increase or a higher excess follows. A single expensive injury claim can determine the picture for an entire fleet for years, which makes prevention and claims handling a financial matter rather than an administrative one.
The practical pitfall lies in the changes to the fleet. Vehicles joining and leaving must be notified within the agreed period. A car that has been bought but not registered on the policy is not insured in the event of a loss, and for a registered vehicle the absence of valid insurance also breaches the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM). So agree in advance who reports changes and within what period, and check the schedule periodically against the RDW registration.
This page deals with one situation. The full overview is on Compare car insurance.
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four points that determine the cost of a fleet over time.
Managing the claims burden pays off
Because the rate moves with your own claims, prevention feeds straight through into the premium. Driver training, a clear claims procedure and not claiming small losses below the excess have more effect than negotiating over the base premium. Ask the insurer for a periodic claims analysis per vehicle and per driver.
Not everything belongs in the fleet
Mobile plant and machinery, forklift trucks, cranes and agricultural vehicles do not usually belong in a fleet arrangement but on a plant and machinery insurance. Leased vehicles where the leasing company carries the own-damage risk also fall outside it. Double insurance does not produce a double payout and only costs premium.
What the cover does not arrange
Outside the cover are the cargo, tools and stock in the vehicles, business interruption through downtime, and fines. Injury to your own driver who was at the wheel and caused the accident also falls outside third-party liability cover. A separate employer's cover is needed for that.
Drivers and use
There is no cover for driving under the influence, without a valid driving licence, or outside the use declared, such as hire or carrying passengers for payment. In the case of intent the exclusion applies under Article 7:952 of the Dutch Civil Code. Record who may drive and on what conditions, and keep track of whether driving licences and any codes remain valid.
What does your premium depend on?
- Size and composition of the fleet: cars, vans or heavier equipment
- Claims burden over previous years: the heart of the fleet arrangement
- Cover chosen per category: third-party, third-party fire and theft or comprehensive, often differentiated
- Excess: per event, per vehicle or as an annual maximum
- Prevention and telematics: driving behaviour measurement and training can be taken into account
- Sector and area of operation: urban distribution shows different figures from field service
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Your driver reverses into a customer's shopfront and wrecks it | Yes | Yes |
| Injury to a colleague travelling as a passenger when your driver caused the collision | Yes | Yes |
| Hail damages twenty company vehicles parked on the site overnight | No | Yes |
| Theft of a company vehicle parked outside an employee's home | No | Provided that |
| An employee drives into a car park with too low a clearance and damages the roof of the van | No | Yes |
| An employee fills a diesel van with petrol and the engine seizes | No | No |
In a fleet arrangement you can choose a different type of cover per vehicle category, as long as this is recorded in advance.
Frequently asked questions
This is what people ask us most.
From how many vehicles is a fleet arrangement possible?
That varies by insurer. Some start at a handful of vehicles, others only higher up. More important than the number is whether your claims history is stable enough to benefit from it. With a small fleet and one heavy claim, an individual policy per vehicle may work out better for the time being. We calculate both options.
What happens if I forget to register a vehicle?
That vehicle is then not insured in the event of a loss and you do not meet the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM), which can result in a fine and possible liability for the full loss. Some contracts include continuous cover with periodic settlement based on the RDW registration; agree that explicitly if you have many changes.
Do we still build up no-claims years?
Not in the usual way within a fleet arrangement. The price follows the claims burden of the whole, not the step per vehicle. That also means a driver who later insures his car privately cannot take any no-claims years from this policy with him. Explain that to staff before they find out for themselves.
Is there cover for hire cars and replacement vehicles?
Not automatically. A hire car is usually insured through the hire company, with an excess that is often high. If you want to cover that, an additional cover or an arrangement within the contract can be agreed. Check this before staff start using hire cars on a regular basis.
Every situation is different. For these situations we have a separate page.