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Own goods in transit insurance through Allianz
Own goods in transit insurance covers the things in your load space: your own tools, materials and machinery, which appear on no motor policy because they are not part of the vehicle.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
This insurance is about your own property while it is being carried in your own vehicle. That is something other than carrying customers' goods for payment. For that there is carriers' liability insurance with AVC and CMR rules. No liability is needed here: the policy pays for your own loss, even where nobody is at fault.
Own-damage cover on the van insurance pays for the van, not for its contents. A business contents insurance pays for the contents of your premises, not for those of your van on the road or outside the door. The load space sits exactly between the two, and that gap is consistently overlooked.
The provision that decides everything is the storage clause: where the vehicle stands at night and whether it has to be empty then. We go through it with you and test the sum insured against what is actually inside, valued at the cost of buying it again.
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Own goods in transit insurance through Allianz: what is covered?
The structure of the cover in three parts, with an overview per situation below.
What we do
From assessment to policy.
- Matching cover to your work
- Conditions side by side
- Switching, including cancellation
In the event of a claim
What really matters.
- Notification and guidance
- Assessing a rejection
- Objection where necessary
What is covered
| What we look at | Explanation |
|---|---|
| Does the cover suit your activities | Yes |
| Sum insured and excess | Yes |
| Exclusions and clauses | Yes |
| Fit with your other policies | Yes |
| Premium in relation to the conditions | Yes |
| Comparing on premium alone | 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.
What does your premium depend on?
- Sum insured per vehicle. The amount for which the load space is insured is the direct basis on which the premium is calculated.
- Number and type of vehicles. A closed panel van is assessed differently from an open pick-up or a trailer with equipment.
- Where the vehicle stands at night. A locked shed or a fenced site counts for more than any security on the vehicle itself.
- Extra security for the load space. Additional locks, an alarm with load space protection and tracking equipment affect acceptance and premium.
- Nature of the goods carried. Hand tools, measuring equipment, copper and electronics each attract a different level of theft risk.
- Area of cover. Whether you drive only in the Netherlands or also to Belgium and Germany changes the risk assessment.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why 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.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The overnight clause determines whether theft is paid
Virtually every policy requires the vehicle to stand in a a locked space between certain night-time hours, or the load space to be empty then. If your van stands in the street full of tools, a theft claim will be rejected, however good the lock was. Anyone without a garage or a fenced site therefore has to unload or find a policy that accepts heavier security. We find that combination for you.
Replacement value, not book value
The sum insured has to match what it costs to buy your complete kit again, not what is left of it for tax purposes. A set of cordless tools, measuring equipment, a core drill and the stock of materials adds up faster than business owners expect. In the event of underinsurance the claim is paid proportionately. So draw up a list with makes and serial numbers and photograph the fitted-out van. That also speeds up the handling.
Loading, unloading and temporary storage on site as well
Loss by no means only arises while driving. A pallet falling off the tail lift, materials left in a locked site hut, tools lying in the customer's meter cupboard during a job: whether that is included depends on how the area of cover and the cover while at restare described. Some policies cover only the items in the vehicle, others also short interim storage at the place of work.
What is not reimbursed
Excluded are money, securities and valuables, damage caused by inadequate packing or improper loading, and normal wear and tear to the tools themselves. Goods belonging to others that you carry for payment also fall outside it, as does damage to the vehicle itself, which belongs on the motor policy. Theft from an unlocked or unattended load space during the day is likewise almost always refused.
Frequently asked questions
This is what people ask us most.
My van is comprehensively insured. Are my tools not covered then?
No. Own-damage cover insures the vehicle and the parts built into it. Anything lying loose in the load space is not part of the vehicle and falls outside it, even under the widest comprehensive cover. If the van is broken into, the motor policy pays for the lock and the damage to the door. Only own goods in transit or tool insurance pays for the contents.
What is the difference from carriers' liability insurance?
That policy is for businesses that carry other people's goods for payment. There, everything turns on liability under the AVC or CMR conditions and on the weight-based limits those rules work with. With own transport the goods are your own and there is no client holding you responsible: you simply insure your own property while it is being carried, without any argument about fault.
Does the overnight clause also apply if I stay away overnight on site?
Yes, the clause is tied to the time and not to your home address. If you stay overnight on a multi-day project, the same requirements apply: a locked space or an empty load space. If that is not possible, tell us in advance; some insurers accept a temporary deviation or a guarded site. Reporting it afterwards no longer helps when you claim.
Are machines I hire for a job covered as well?
Hired equipment is not your property and does not automatically come under the cover for your own goods. Some policies have an extension for third-party property in your care, with its own limit. Without that extension, damage to hired tools falls back on the care, custody and control cover of your public and employers' liability insurance, provided that is included.
Every situation is different. For these situations we have a separate page.
- Compare goods in transit insuranceThe main page
- Own goods in transit insurance for self-employed professionalsTools in the van, overnight storage, replacement value
- Own goods in transit insuranceYour own property, tools, overnight storage
- Carrying your own property: theft from the company vanTools, materials, theft from the van
- Own goods in transit insurance for self-employed professionalsA workshop on wheels, market value, trailer
- Own goods in transit insurance through a.s.r.Your own property, overnight clause, loading and unloading
- Carrying your own goods: what you need to knowOvernight storage, declaration, theft
- Insuring the transport of your own goodsWhat is included, conditions, limits
Read more
Within Compare goods in transit insurance
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Ready to compare?
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.
About our service
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.