Own goods in transit insurance through a.s.r.
Own goods in transit insurance covers your own things in your own van. As soon as you carry something for someone else, or the van stands in the street overnight, the picture changes.
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- 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 brokers with several insurers and compares objectively. A. s. r. is one of the parties with which own goods in transit cover can be placed. What we can place through a.s.r. depends on your journeys and your load. The product explanation is set out under own goods in transit insurance.
The term says it all: what is insured is property that belongs to you or is at your expense and risk, carried in a vehicle you use yourself. That is a narrower definition than many business owners think. If you take something along for a customer or for another company for payment, you are acting as a carrier. Your own goods in transit cover then does not apply; instead the liability regime for carriers does, with its own conditions such as the AVC for domestic and the CMR Convention for international road carriage. There is separate carriers' liability insurance for that risk; see also insurance for the transport of goods.
The second dividing line is between cargo and equipment. Tools, machinery and plant that are permanently in the van because you work with them are not goods to be carried but business equipment. They belong on business contents or tool cover. If the van is broken into and everything disappears, the items are split across two policies, each with its own conditions and excess. Self-employed professionals will find the version for sole traders under own goods in transit insurance for the self-employed.
This page deals with one situation. The full overview is on Compare goods in transit 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.
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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 most often lead to a rejection on own goods in transit cover.
The night clause
Theft from a parked company vehicle is by far the most common claim. Insurers attach conditions to it: at night the van must be kept inside or on a locked site, with an approved alarm and no load left in it. If the van stands outside the door and is emptied, the departure from the storage condition is enough in itself to refuse payment.
Loading, unloading and interim storage
The moment goods go on or off the vehicle is a separate point of risk. Check whether loading and unloading are covered and for how long goods remain insured after arrival. If a load stands overnight on a customer's site or goes temporarily into a shed, the policy often speaks of temporary storage with a limited period. After that it is storage and no longer carriage.
Packing, stowage and securing
Damage arising because the load was not soundly packed or insufficiently secured is excluded. The same applies to inherent defect and spoilage of the goods themselves, and to damage from normal changes in temperature to goods that are sensitive to it. Instruct drivers in writing about securing loads and record that it has been done.
What the policy does not pay out
Outside the cover are lost turnover, delay loss and contractual penalties, because that is financial loss and not damage to the goods. Money, securities and documents are excluded as standard as well. Loss caused by intent or serious fault remains excluded under Article 7:952 of the Dutch Civil Code. Report a claim as soon as you know about it. That follows from Article 7:941 of the Dutch Civil Code.
What does your premium depend on?
- Nature of the goods carried: prone to theft, fragile or robust
- Sum insured per vehicle: set by the most heavily loaded journey
- Number of vehicles: and whether cover is per vehicle or continuous
- Storage and security: inside, on your own site or on the public road
- Area of operation: the Netherlands only, the Benelux or further afield
- Excess and claims history: the number of thefts counts most
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Limited | Comprehensive |
|---|---|---|
| Your van burns out with the goods for a job inside it | Yes | Yes |
| A rear-end collision in which the kitchen units being carried are destroyed | Yes | Yes |
| A pallet shifts during an emergency stop and the load falls apart | No | Yes |
| Vandalism to the goods on your open trailer during a stop | No | Yes |
| Rain gets in through a leaking tail lift seal and soaks the boxes | No | Provided that |
| Paint being carried freezes during a night of frost | No | No |
Limited cover names the events specifically; all risks cover deals with external perils, with the exclusions as the boundary.
Frequently asked questions
This is what people ask us most.
Are my tools in the van covered?
Usually not on this policy. Tools you use daily and that are permanently in the vehicle count as business equipment and not as goods to be carried. There is separate tool or business contents cover for that, often with its own storage and alarm conditions. Have it recorded on the application which items are on which policy, so that no gap remains after a break-in.
I sometimes take something along for a customer. Is that covered?
As soon as you carry someone else's property, you are a carrier and no longer carrying your own goods. Your liability is then assessed under the AVC or CMR conditions, and own goods in transit cover is not intended for that. If it happens regularly, tell us and have carriers' liability cover included; otherwise you bear the client's claim yourself.
The van was emptied overnight outside my house. Will that be paid?
That depends on the storage clause on your policy. Many conditions require the vehicle to be inside or on a locked site between certain hours, or that no load is left in it. If that is not met, the insurer may refuse payment. Always report it to the police and notify the claim at once, even if you are unsure about the cover.
Does the cover also apply abroad?
Only in so far as the country you drive in falls within the area of cover named on the policy schedule. That is often the Netherlands or the Benelux, sometimes Europe. If you occasionally drive further, have the area extended before departure. Bear in mind that insurers set additional requirements for storage and security on foreign journeys, precisely because the theft risk is different there.
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 professionalsA workshop on wheels, market value, trailer
- Transit insurance for self-employed professionalsYour own property or freight, the van as storage, capacity
- Own goods in transit insurance for self-employed professionalsTools in the van, overnight storage, replacement value
- Insurance for the transport of goodsOwn transport, carriers' liability, door to door