Business capacity · several vehicles · fit with the package
Avéro Achmea business car insurance
A business car policy rarely stands alone. The question is not only what the car costs, but whether the vehicle fits the business capacity under which your other commercial policies run.
- 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: Avéro Achmea autoverzekering zakelijk.
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
On a business placement, the description of your business activity is the pivot. That description determines the premium, but above all which journeys count as insured use. If your liability insurance states a different capacity from your car policy, that causes friction in a claim where both policies come into play. Keep the descriptions the same and update them if your activities change.
If several vehicles are on the road, the choice between separate policies and one contract is a practical one. Separate policies are clear enough with a few cars. A fleet contract becomes attractive as soon as you regularly add and remove vehicles and the administration starts to weigh more heavily than the difference in rate. Vans are placed separately through the business van insurance, heavier equipment through the lorry insurance.
If you work in the motor trade, there are two special covers. For customers' cars temporarily on your premises there is customer vehicles insurance, because those cars fall under the care, custody and control exclusion of your own policies. For test drives and moves without their own registration there is the trade plate insurance, with its own rules of use that you must follow strictly.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four subjects that consistently require attention on a business placement.
Other people's vehicles in your care
A car you repair, store, transport or test is not your property and therefore falls under the care, custody and control exclusion of the ordinary public and employers' liability and car policy. Without separate cover for customers' vehicles you carry damage arising during that period of care yourself, even where no outside party is involved.
Trade plates have their own limits
A green plate may only be used for journeys connected with the trade or repair work, by people authorised to do so. Private journeys or use by a customer without permission fall outside it. That limit works through into the cover: the compulsory liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies to the permitted use.
Trailers and towed loads
A trailer shares in the liability cover as long as it is coupled, but it has no own-damage cover. For a business trailer you take out a trailer insurance. Watch the uncoupled trailer: if it causes damage after being uncoupled, the assessment shifts to the liability of the business.
What the policy does not solve
Outside the cover are carriage of persons or goods for payment for third parties, hiring out vehicles, and use that differs from the business activity declared. Also injury to your own driver who caused the accident themselves falls outside the liability cover. For that you look at WEGAS and WEGAM.
What does your premium depend on?
- Business activity and sector: determines the expected use of the vehicles
- Composition of the fleet: passenger cars, vans or heavier equipment
- Number of vehicles on the contract: from a certain number a fleet rate applies
- The company's claims experience: your own statistics determine the adjustment
- Circle of drivers: fixed drivers or varying use
- How the package is built up: combining with other commercial policies saves on the total
Insurers weigh these details differently. That is where your saving is.
What is covered on the business car policy
| Situation | Extended | Comprehensive |
|---|---|---|
| An employee drives the company car into a loading dock while unloading | No | Yes |
| A car burns out overnight while it stands on the business site | Yes | Yes |
| Theft of a car left running on the site with the keys in the ignition | No | No |
| A stone puts a chip in the windscreen during a journey to a customer | Yes | Yes |
| Vandalism to a pool car in a public car park | No | Yes |
| Damage during a journey where the driver was under a driving ban | No | No |
These columns do not apply to customers' vehicles temporarily on your premises.
Frequently asked questions
This is what people ask us most.
Why does the insurer ask so precisely about my activities?
Because the use of the vehicle follows from them. A consultancy driving to clients runs a different risk from an installation firm carrying materials. Under Article 7:928 of the Dutch Civil Code you have to give that information correctly and in full. If your work changes, report it, so that the capacity is right again on all your policies.
Can I put private and company cars on one contract?
Often you can, provided it is clear who drives which vehicle and whether private use is allowed. The advantage is one renewal date and one point of contact. The disadvantage is that a claim on one car can affect the whole contract, because a combined claims experience is used instead of individual steps.
What happens with damage to a customer's car?
That falls under care, custody and control: you had the property in your care and damaged it. The ordinary public and employers' liability insurance (AVB) excludes that. With customers' vehicles or motor trade cover it can be insured, including damage during test drives. Without that cover you pay for the repair yourself, which mounts up quickly on modern cars.
We regularly add and remove cars. How do I arrange that?
On a fleet contract you report changes periodically. The premium is adjusted accordingly. It is important that a new vehicle is reported straight away, because the insurance obligation arises the moment it is registered in your name. Agree within what period you report changes and who does it, so that no vehicle stays registered in your name uninsured.
Read more
Within Autoverzekering
Similar pages
- Business car insurance
- De Goudse business car insurance
- A few company cars: what SMEs arrange
- Klaverblad business car insurance
- Why a business owner looks at car insurance differently
- Business car insurance through Avéro Achmea
- Business car insurance for a company vehicle
- Business car insurance through a.s.r.