Private use · valuation · storage
Lorry insurance through Avéro Achmea
A truck that is not driven commercially (a hobby truck, an old rigid lorry or a vehicle for personal use) is assessed very differently from a truck in commercial transport.
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- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Vrachtautoverzekering 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 situation
- 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 can place a truck with Avéro Achmea and also compares the range of more than thirty other insurers. What determines the premium and the conditions is not the name of the company but the use of the vehicle. As long as the registration has not been suspended, the insurance requirement under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies, even if the truck stands idle for months. If you do drive commercially, you belong with the business lorry insurance.
The most sharply defined point is what non-commercial means. As soon as you drive for payment, including occasionally for an acquaintance, an association or a job at the weekend, the capacity changes and the journey falls outside the cover. Hiring out the vehicle, taking part in tractor pulling, skill or speed trials, and use as an advertising object for payment also fall outside it. If your use changes, report it under Article 7:928 of the Dutch Civil Code.
With an older vehicle, the value is the second point to watch. Market value means nothing on a thirty-year-old truck, so you work with a valuation report from an expert, valid for a limited period. Article 7:960 of the Dutch Civil Code provides that insurance may not put you in a clearly better position. A valid valuation gives certainty within that limit about what will be paid. You will find more variants under the lorry insurance.
This page deals with one situation. The full overview is on Compare van insurance.
What to look out for
Four points that determine whether the policy holds up for a privately owned truck.
What private use means exactly
A policy for non-commercial use assumes journeys for yourself: to an event, an inspection, a workshop or a holiday destination. Carriage for payment, hiring out and lending the vehicle to a business fall outside it. Even an expenses allowance can be regarded as consideration. If in doubt, ask in advance and put the answer in writing.
Valuation, restoration and parts
Have the value established by a recognised valuer and renew the report in good time. An expired valuation takes you back to market value. Damage that arises while working on, dismantling or restoring the vehicle is excluded under many policies. If parts are no longer available, what is covered is the cost of repair, not the cost of a new vehicle.
Driving licence, inspection and who drives
Driving a vehicle of this weight requires the correct driving licence category, and additional professional competence requirements apply to commercial transport. Check which requirements apply in your situation. If someone drives without a valid licence or without a valid roadworthiness certificate, that is an exclusion that no insurer will overlook.
Storage, suspension and winter lay-up
For vehicles that are little used, insurers often set requirements for the storage: a locked shed or yard, sometimes with an alarm. If you suspend the registration for the winter, the insurance requirement lapses but so does your cover against fire and theft, unless you agree storage cover for that. Arrange it before the winter and not afterwards.
What does your premium depend on?
- Age and type of vehicle: a classic rigid lorry differs from a modern tractor unit
- Use and annual mileage: few journeys lower the premium, provided this is recorded
- Storage location: a locked shed counts differently from standing outside on the yard
- Type of cover: third-party liability only or own-damage cover on a valued amount as well
- Valuation amount: the recorded value determines the own-damage section
- Age and experience of the drivers: who may drive the vehicle is stated on the policy
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You hit a parked car while reversing at an event site | Yes | Yes |
| The truck is stolen from your locked shed | No | Yes |
| Hail damage to the cab while the truck was standing outside | No | Yes |
| A trailer you have coupled up hits a garden wall on the way | Provided that | Provided that |
| Engine damage from wear on the way back from a truck show | No | No |
| Damage to the load of an acquaintance that you carried in return for petrol money | No | No |
With own-damage cover, a valid valuation determines what is paid, not the market value of a thirty-year-old truck.
Frequently asked questions
This is what people ask us most.
May I do the occasional job for payment?
Not on a policy for private use. As soon as there is consideration in return, it is carriage for payment and the capacity changes. If something happens during such a journey, the actual use is what counts and the cover may lapse. If you want to do this from time to time, have a policy drawn up with a business capacity.
Is own-damage cover worthwhile on an old lorry?
That depends on the valued amount and on what a repair would cost you. With a restored vehicle with rare parts, own-damage cover based on a valuation is usually sensible. With a working vehicle that you maintain yourself, liability only with fire and theft cover may be enough. Work through both options before you choose.
Can I suspend the lorry's registration for the winter?
Yes, through the RDW (the Dutch vehicle authority). While the registration is suspended, the obligation to have third-party liability insurance lapses, but so does your cover for fire, theft and storm damage in storage. Agree separate storage cover for that if the vehicle has value, and reactivate the registration in good time before you drive.
Is my own load insured during a house move?
No, the motor insurance covers the vehicle and damage to third parties, not what you are carrying. For your own belongings there is own-goods transit insurance. For other people's goods, carrier's liability applies. Without one of the two you bear the loss yourself, even where the damage results from a covered collision.