Sections · clients' vehicles · application
Garage insurance through a.s.r.
a.s.r. is one of the insurers with which Finass can place a motor trade policy (garageverzekering). Which one it becomes follows from the sections your business needs.
- 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: Garageverzekering via a.s.r..
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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 is an independent firm and arranges cover with a wide range of insurers; a.s.r. is one of them. We sell no own-brand product and the choice follows from your cover requirements, not from the name on the policy schedule. You can read more about this insurer at a.s.r. verzekeringen; the structure of the product is set out at compare garage insurance.
With every insurer, motor trade insurance is a modular policy. You choose sections: liability of the business, clients' vehicles, your own trading stock, buildings and contents, and the road risk through a trade plate. When comparing, what matters is not the number of sections but the wording within them: which vehicles count, up to what point after delivery, and what happens away from your premises.
For a garage business, the section for clients' vehicles is the centre of gravity. Without it, damage to a customer's car falls under the care, custody and control exclusion of the liability insurance. The road risk is separate from this: journeys on public roads are subject to the compulsory insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM), whoever is driving. See also garage insurance.
This page deals with one situation. The full overview is on Compare motor trade insurance.
What to watch for when applying
Four points that determine whether the offer from this or another insurer suits your business.
Which vehicles fall within the section
Cars, vans, motorcycles, motorhomes and agricultural vehicles are not treated the same way everywhere. State in the application which categories you actually work on. A vehicle that does not fit the wording falls back on the care, custody and control exclusion of the liability cover and is then uninsured.
Test drives and the trade plate
Journeys in customers' vehicles, collection and delivery and driving your own stock run through the trade plate or through the customer's own cover. Record who may drive and on what conditions. If someone drives without a driving entitlement or under the influence, the injured party remains protected under the WAM, but the insurer will recover the loss from you.
Ancillary activities and converted vehicles
Fitting LPG systems, tuning, converting vehicles and work on high-voltage systems are separate risks. Insurers accept on the basis of the activities you declare. If an activity is missing from your declaration and the loss arises from it, then Articles 7:928 and 7:930 of the Dutch Civil Code comes into play and the payout can be reduced or refused.
Fire and key precautions
Clauses on the storage of batteries, the use of charging points, the disposal of polishing cloths and the keeping of keys outside working hours are not a side issue. If a requirement is not met and the loss is connected with it, cover lapses. Damage caused deliberately or recklessly is excluded in any event under Article 7:952 of the Dutch Civil Code .
What does your premium depend on?
- Sections chosen — a narrow package costs less than a full package
- Number of employees and payroll — the basis for employer's liability
- Size of the trading stock — number of vehicles and how they are kept
- Nature of the work — servicing, accident repair, fitting or trading
- Security of the premises and the grounds — detection, cameras and key management
- Claims history and excess — set separately for each section
Insurers weigh these details differently. That is why comparing pays off.
Which section pays
| Situation | Liability | Customer vehicles |
|---|---|---|
| A customer's car falls off the lift in your workshop | No | Yes |
| A customer trips over an air line in the workshop and breaks an arm | Yes | No |
| A fire in the workshop in which three customers' cars are lost | No | Yes |
| Your mechanic fails to tighten the sump plug and the customer's engine seizes | Provided that | No |
| A customer's car disappears together with the key from the unlocked key cabinet | No | Provided that |
| Hail damage to your own trading stock on the outdoor forecourt | No | No |
Without the section for clients' vehicles, damage to a customer's car falls back on the care, custody and control exclusion and is uninsured.
Frequently asked questions
The questions we are asked most often about this.
Does Finass always recommend a.s.r. for a garage business?
No. We compare the offerings of more than thirty insurers and choose on the basis of the cover your business needs, the acceptance conditions and the wording of each section. For one business this insurer is the best option, for another it is not. We explain the reasoning before you sign.
Is damage to a customer's car covered under the liability section?
No. Property you have in your care in order to work on it falls under the care, custody and control exclusion of the public and employers' liability cover. That is what the clients' vehicles section is for. Do check the wording: motorhomes, motorcycles and agricultural vehicles are not automatically included and must be declared separately.
Can I switch if I am currently with another insurer?
You can, subject to the notice period and the contract renewal date of your current policy. We obtain the existing conditions, compare them section by section and check whether any cover would be lost by switching. Claims in progress remain with the policy that was in force at the time of the event.
What must I report if my business changes?
New activities, larger premises, more staff, a second branch or expanding into electric vehicles are all changes in the risk. Report them as soon as they arise. Article 7:928 of the Dutch Civil Code requires you to give full information when applying, and insurers stipulate in their conditions that changes during the term must be reported as well.
Read more
Similar pages
- Garage insurance through Nationale-Nederlanden
- Compare motor trade insurance
- Insuring a garage business through OOM Verzekeringen
- Garage insurance for a self-employed mechanic
- Motor trade insurance
- Garage insurance for automotive businesses
- Motor trade insurance through Allianz
- Garage insurance for motorhome businesses