Liability
- Cables and pipes
- Damage to buildings
- Injury to bystanders
Insuring an Atlas
Atlas plant travels on wheels along the public road and lifts with a crane, and each of those two characteristics brings its own insurance regime.
- 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
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.
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 situation
- 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
A wheeled excavator and a loader crane have something in common that tracked plant does not: they travel on wheels along the public road. That makes the machine a motor vehicle, and the compulsory insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies. That WAM cover concerns the traffic risk. Whatever goes wrong while the machine is operating as a tool falls under the working risk and must be arranged separately.
The second characteristic is lifting. A loader crane moves loads that are not yours: pipes, kerbing, paving material, a container. The moment the load hangs from the hook, that item is in your care. If the load falls, the damage to it comes under the care, custody and control exclusion and not under ordinary property damage cover. That distinction is the heart of a lifting policy.
There is paperwork involved that insurers really do ask for: inspection certificates for the crane and for the lifting gear, and the load chart being worked to. If these are missing after a loss, the discussion shifts from cover to duty of care. See also the plant and machinery insurance for the structure of the types of cover.
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Atlas: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Own-damage cover
Damage to and theft of the machine, including inherent defect.
- Theft and vandalism
- Fire and storm
- Inherent defect and operating error
Downtime and transport
What comes into play with breakdown and transport.
- Business interruption during downtime
- Transport to the site
- Hired plant
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | 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?
- Lifting capacity and crane moment. Heavier lifting means greater consequential damage if a load falls.
- Registration and road use. If the machine travels on the public road, the WAM obligation comes into play.
- Type of work. Road construction next to moving traffic weighs differently from work on a closed site.
- Cover for the load in your care. The sub-limit chosen for items you lift or move.
- Inspection regime and operators. Up-to-date inspections and demonstrably certified operators reduce the risk.
- Claims history involving lifting losses. Earlier claims from lifting work weigh more heavily than bodywork damage or broken glass.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Driving and working are two different covers
As long as the machine is moving, the WAM cover applies to the traffic risk. As soon as the outriggers go down and the boom swings, you are dealing with the working risk. Many losses arise exactly on that boundary: setting outriggers on a pavement that cannot take them, or swinging the boom while traffic passes. Make sure both risks sit with the same party, otherwise two insurers point at each other and you pay for the loss adjustment in the meantime.
The load on the hook is not ordinary property damage
If a bundle of pipes falls out of the sling, there are two losses: to the pipes and to whatever was beneath them. Damage to the object you had in your care is excluded as standard or covered only up to a separate sub-limit. Make sure that sub-limit matches the value of what you lift on average. Damage caused by using slings, chains or hooks that have not been inspected also remains outside the cover.
Working alongside traffic and on public land
Atlas plant is often found in road construction: on half a carriageway, alongside a cycle path, next to a verge with services underneath. A boom swinging over the running lane, an outrigger plate coming down on a paving slab or a bucket protruding as traffic passes will produce claims from road users and from the highway authority. Consider whether your liability limit is set for personal injury; injury claims run higher than property damage and exhaust the limit first.
Inspection and certification determine your position after a loss
The crane and the lifting gear are subject to inspection and the operator must be demonstrably qualified. Insurers include this as a condition. After a loss you will be asked for the most recent inspection report, the load chart and the operator's instruction. If the inspection is missing, the load is heavier than the chart allows or someone without qualifications was operating, a refusal follows. Overloading is, moreover, a separate exclusion in virtually every policy.
Repairs and parts
Parts are available through the European network, with variable lead times.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
Frequently asked questions
This is what people ask us most.
Do I need WAM insurance for a wheeled excavator?
If the machine goes on the public road, yes. Article 2 WAM requires third-party liability insurance for motor vehicles, and a wheeled excavator falls within that. That cover relates to the traffic risk. Damage arising while the machine is digging or lifting as a tool falls under the working risk and belongs in the plant and machinery or liability cover.
Is the load I lift insured as well?
Not automatically. Items you lift, move or work on are in your care, custody and control, and these are excluded from the basic cover. Separate care, custody and control cover with its own limit is usually available. Set that limit to match what you typically have on the hook; a dropped container costs less than a dropped precast element.
What if the outriggers sink through the paving?
Damage to the paving or to what lies beneath it is liability towards the owner or highway authority. Insurers will look at whether outrigger plates were used and whether it was checked in advance what lay beneath the support point. If that precaution is missing, the insurer may rely on the duty of care set out in the conditions.
Does my lifting gear have to be inspected for the cover to apply?
Yes. The crane, slings, chains and hooks are subject to an inspection regime and insurers include this as a condition in the policy. After a loss the most recent inspection report is requested. If the inspection is missing or the load chart has been exceeded, refusal is likely; overloading is also a separate exclusion.
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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. Last updated on .
The information on this page is general in nature and is not personal advice.