Mixed fleet · categories · parking

Fleet insurance through a.s.r.

Few fleets consist of one type of vehicle. It is precisely that mix of cars, vans, trailers and equipment that determines what the contract looks like.

Several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Wagenparkverzekering via a.s.r..

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Finass acts as an intermediary for a.s.r.'s business range. We are not tied to this insurer. We compare several insurers objectively and the choice follows from the make-up of your fleet. For individual vehicles, look at the business car insurance, for equipment at the agricultural machinery insurance and for heavy vehicles at the lorry insurance.

The starting point is a breakdown into categories. Cars, vans, lorries, trailers and semi-trailers each have their own rate and sometimes their own type of cover. Vehicles that have no registration or that never use the public road do not belong in the fleet but on an equipment policy. That classification is not an administrative formality: in the event of a loss it is checked whether the vehicle was in the right category, and a discrepancy touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code.

Trailers and semi-trailers require separate attention. As long as a trailer is coupled, the third-party liability cover of the towing vehicle continues to apply; once uncoupled it stops and the trailer needs its own cover. The same applies to damage to the trailer itself. And, cargo is never part of a fleet insurance: your own goods are insured with an own-account carriage or goods in transit insurance, and clients' goods through carrier's liability.

This page deals with one situation. The full overview is on Compare car insurance.

Points to note
Frequently asked questions
Read more
Quote

What to look out for

Four points to consider with a mixed fleet.

Parking and theft prevention

Where the vehicles are parked overnight weighs heavily. An enclosed site with camera surveillance gives a different rate from vehicles scattered at employees' homes. If the parking arrangement changes, report it. In the event of theft the insurer checks the actual situation against what you declared, and Article 7:930 of the Dutch Civil Code can lead to a reduction in the payout.

Using the excess wisely

Within a fleet you can set the excess differently per category: low on vehicles with many small claims, high where you would bear the loss yourself anyway. Some contracts work with an annual maximum on excesses, which caps the cost of a bad year without pushing up the premium.

What is excluded

Outside the cover are load and tools, business interruption through downtime, wear and mechanical breakdown, and fines. Vehicles hired out to third parties or used to carry passengers for payment are not insured without a separate arrangement.

Drivers and entitlement to drive

With heavier vehicles it is not only the driving licence that matters but also professional competence: a missing code 95 or an expired licence costs you own-damage cover in the event of a loss and can make the third-party payout recoverable. Build a periodic check of driving licences into your procedures. It is the cheapest preventive measure there is.

What does your premium depend on?

Number of vehicles per category: the basis of the rate
List price and body: including permanent fitting-out and signwriting
Storage and security: an enclosed site or the public road
Area of deployment: regional, national or abroad as well
Claims history per category: vans show a different pattern from cars
Additional modules: legal expenses, breakdown assistance or a replacement vehicle

Insurers weigh these details differently. That is where your saving is.

Request a quote

What is covered

Situation	Third-party liability	Comprehensive
An employee wrecks a customer's barrier with a pool car	Yes	Yes
Hail damages ten vehicles parked together on the company site	No	Yes
A van carrying your signwriting is stolen from outside an employee's home	No	Provided that
A trailer blows over while standing uncoupled on the site	No	Provided that
The tools that were in the stolen van	No	No
A car from the fleet is hired out for a weekend to a fellow business owner and is damaged	No	No

The outcome depends per vehicle on the category it is listed under on the vehicle schedule.

Frequently asked questions

This is what people ask us most.

Can plant and machinery be included in the fleet?

Usually not. Forklift trucks, cranes, telehandlers and loading shovels fall under plant and machinery or agricultural machinery insurance, with their own cover for working with the machine. If the machine uses the public road, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) also applies. We make sure the two policies fit together so that no gap arises.

What about vehicles that are temporarily off the road?

You can have the registration suspended. The insurance obligation then lapses and so does the premium. The downside is that there is no longer any cover for fire or theft, not even on your own site, unless you arrange that separately. With a seasonal fleet, an arrangement for cover while parked is often better value than full suspension.

Are we insured when driving abroad?

Within the countries listed on the green card, yes. For regular journeys outside that area you make separate arrangements. Also pay attention to the liability limits: they differ by country, and for injury claims abroad the rules of the place of the accident apply. Report in advance which countries you visit regularly.

What happens in an accident in which an employee is injured?

Third-party liability cover protects the other party, not your driver if he caused the accident himself. As the employer you can still be liable under Article 7:611 of the Dutch Civil Code, which requires a proper arrangement for road use during working hours. A road traffic injury cover for staff fills that gap. It stands apart from the fleet contract.

Fleet insurance through a.s.r.

In brief

What to look out for

Parking and theft prevention

Using the excess wisely

What is excluded

Drivers and entitlement to drive

What does your premium depend on?

Frequently asked questions

Read more

Within Bestelautoverzekering

Similar pages

Service

Fleet insurance through a.s.r.

In brief

What to look out for

Parking and theft prevention

Using the excess wisely

What is excluded

Drivers and entitlement to drive

What does your premium depend on?

Frequently asked questions

Read more

Within Bestelautoverzekering

Similar pages

Service

Privacy Settings

Functional

Preferences

Statistics

Marketing