Fitting-out · load · driving off-road
Business car insurance through Avéro Achmea
A company car in the agricultural and green sector is rarely just transport. It tows, it carries, it stands on muddy yards and it is driven by changing drivers.
- 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: Zakelijke autoverzekering via Avéro Achmea.
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 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 acts as broker for Avéro Achmea's business car range. We are not tied to this insurer. We compare more than thirty companies objectively and choose on cover, not on name. For a car in the company name, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies: liability cover is required by law and protects the other party. Own-damage cover is a free choice and concerns your own vehicle. You can read about the general structure on the business car insurance.
In an agricultural or green business the difference lies in what is fitted on and in the vehicle. A towbar, load bed, load rack, cage construction, dog crate, refrigeration or signwriting is permanent fitting-out and only counts if it has been declared. What you carry is emphatically not part of the car: tools, plants, feed, manure or harvest are cargo. For those there is own-account carriage insurance or a tools insurance.
The third point is where you drive. The WAM obligation applies on the public road and on sites treated as equivalent to it. If you drive across your own yard, a dam or a field, own-damage cover usually remains in place but the assessment shifts where liability is concerned. Mud or manure you leave on the road, causing someone else to come off, is a classic claim under Article 6:162 of the Dutch Civil Code, and that is a liability matter, not vehicle damage.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four things that regularly lead to a rejected car claim in this sector.
Fitting-out and accessories only if they have been declared
Own-damage cover is based on the list price with the factory options. A load rack fitted later, a second battery, an inverter, a GPS system or company signwriting does not fall under it automatically. Report the purchase value of those items and keep the invoices; without supporting evidence, only the bare vehicle is paid for in a total loss.
Load, animals and tools fall outside
Car insurance pays for the vehicle, not for what is in it. Chainsaws, measuring equipment, planting material and animals carried are excluded, even in a covered collision. If you carry someone else's animals or goods for a client, carriers' liabilityalso comes into play, which is a separate policy again.
Drivers and entitlement to drive
Where drivers vary and there are seasonal and agency workers, the age and licence of the regular driver is an underwriting factor. If others drive the vehicle regularly than were declared, that can affect the payment under Article 7:930 of the Dutch Civil Code. Driving without a valid licence or under the influence costs you the own-damage cover and makes the third-party payment recoverable from you.
What is left out as standard
Excluded are, among others wear and mechanical or electronic failure, loss of value after repair, fines and damage during hire to third parties or during paid passenger transport. Losses from being off the road do not count either: the car policy does not pay the cost of a replacement van or a lost day of harvest.
What does your premium depend on?
- Type of vehicle and list price: including declared permanent fitting-out
- Cover chosen: third-party liability only, third-party, fire and theft or comprehensive
- Regular driver: age, driving experience and no-claims years
- Annual mileage and area of operation: many short journeys to plots weigh differently from long distances
- Storage: locked shed, yard or public road
- Excess: often different for glass damage and for young drivers
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| While turning on a customer's yard you drive into the front of the house | Yes | Yes |
| Theft of the company van from the business site | No | Yes |
| A stone chip in the windscreen on a sandy track along the plot | No | Yes |
| The van sinks into a waterlogged field and the floor pan cracks | No | Provided that |
| A collision with an agency worker at the wheel who has not been declared | Provided that | Provided that |
| Damage to the hired trailer that was coupled behind the van | No | No |
Own-damage cover follows the vehicle. What you carry with it or couple to it each requires its own cover.
Frequently asked questions
This is what people ask us most.
The car will stand idle for six months. Can I suspend the registration?
Yes. On suspension the insurance obligation ends and you no longer pay a premium, but there is then also no cover for fire, theft or storm damage in the shed. For a seasonal vehicle, storage cover is usually wiser than full suspension. Driving with a suspended registration is uninsured and leads to a fine.
A telehandler damages our own company car on the yard. Who pays?
Damage to your own property is not liability towards someone else, so the liability cover on the equipment does nothing. If the car has own-damage cover, the claim is handled there, subject to the excess and with consequences for the no-claims years. Without own-damage cover you bear the cost yourself. That is exactly the moment when the choice of own-damage cover on an older company car makes itself felt.
May I also use the car privately?
You may, provided it was declared on the application. Private use of a business vehicle changes the mileage and the range of drivers, and both are underwriting factors. Commuting usually counts as business use. If family members drive the car regularly, report it, because that is a circumstance asked about on the application.
Our employee is injured in the company car. Is that covered?
Third-party liability cover pays injured third parties, not the driver who caused the accident themselves. As the employer you can be held liable under Article 7:611 of the Dutch Civil Code, because you are expected to make proper arrangements for staff who go on the road for work. There is separate cover for that, see WEGAS and WEGAM.