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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This cover is intended for businesses that carry their own goods, tools and materials in their own van or trailer: installers, landscapers, contractors, engineers. It concerns damage to your own property during carriage. If you carry cargo for a client, you need something else: carriers' liability insurance under the AVC or CMR conditions.
Avéro Achmea offers this product. What we set side by side when comparing are three things that genuinely differ from insurer to insurer: how the means of transport is described, whether loading and unloading are included, and what requirement applies to the van when it stands still at night.
Note how the covers connect as well: damage to the van itself runs through the own-damage cover of the company vehicle, and items kept at a fixed location through the business contents and stock insurance. Own goods in transit cover sits exactly in the period between the two.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Avéro Achmea and other insurers offer here.
Damage to goods & tools
Loss in transit
Carriage in your own vehicle
Extended cover
Besides damage and theft, also loading and unloading, storage in the vehicle and cover throughout Europe.
Damage during loading & unloading
Cover 24/7 (including while parked)
24/7 (including while parked)
Cover throughout Europe
Complete package
The most complete cover. We compare Avéro Achmea's extended versions with the market.
Goods in a closed trailer
Higher sums insured
Cover throughout Europe
Goods prone to theft
What is covered
Situation
AVB
BAV
Cyber
Injury to a visitor or customer
Yes
No
No
Damage to a client's property
Provided it is declared
No
No
Financial loss caused by an advisory or calculation error
No
Yes
No
Downtime after a ransomware attack
No
No
Yes
Data breach involving personal data
No
Provided it is declared
Yes
Damage to property in your care
No
No
No
What we do
What we do
At Finass
Direct with Avéro Achmea
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Avéro Achmea is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Your own property, not your liability as a carrier
This is property cover on your own possessions: nobody has to be liable. If you carry someone else's goods for payment, there is a liability question and the carriage conditions apply, with quite different liability limits. That third-party cargo is excluded on an own goods in transit policy. If you are unsure what you are carrying, look at the order confirmation: if carriage appears in it as a separate service, you are a carrier.
Tools left in the van overnight
Virtually every policy has a clause on this: the van must be properly locked, often kept indoors or on a locked site, sometimes with a prescribed alarm class. If that clause is not complied with, no payment follows after a theft, however genuine the loss. Theft without signs of forced entry is almost always refused. Tools you leave on the building site fall outside this cover in any event.
Loading, unloading and securing the load
Whether damage during loading and unloading is included is a separate module with many insurers. If something falls off the vehicle, the next question is whether the load was properly secured: damage from insufficient packing, stowage or securing is excluded as standard. If you damage the consignee's premises or property while unloading, that is liability and runs through your public and employers' liability insurance (AVB), not through this policy.
What is never covered
Money, securities, telephones and means of payment are excluded or insured only under a separate provision. The same applies to damage from inherent defect, rust, wear and tear or the effect of temperature in unrefrigerated carriage. Damage caused deliberately is excluded under Article 7:952 of the Dutch Civil Code. Report a claim as soon as you know of it: Article 7:941 DCC obliges you to do so, and reporting late can prejudice the insurer in its investigation.
Loss in transit
Loading & unloading
What does your premium depend on?
Sum insured per means of transport. The maximum value in a van or trailer at any one time is the main basis of calculation.
Number and type of vehicles. A fleet of vans is assessed differently from a single van with a trailer.
Nature of the goods. Power tools prone to theft weigh more heavily than bulk materials or scaffolding parts.
Working area. The Netherlands only, the Benelux or the whole of Europe makes a difference to the premium and to the clauses that apply.
Security and overnight storage. Indoor storage or a locked site brings the premium down; parking in the street does the opposite.
Excess and claims history. Previous thefts from the van weigh heavily. A higher excess lowers the premium.
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.
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.
What is the difference from goods in transit insurance?
Own goods in transit insurance covers property that belongs to you and that you move with your own vehicles. Goods in transit insurance is used where goods are carried by a third party or where you dispatch trade goods and bear the transit risk. If you carry for a client for payment, you need carriers' liability insurance. Those three forms are not interchangeable.
Are my tools insured if they stay in the van?
Only if you comply with the overnight storage clause. That generally requires the van to be properly locked and kept on a locked site or indoors, sometimes with a prescribed alarm. If that is not met, or there are no signs of forced entry, the theft is rejected. So have it recorded exactly which requirement is on your policy.
Does this insurance also cover damage to the van itself?
No. The van is a motor vehicle and belongs on the commercial motor policy; its third-party liability cover is also compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Own goods in transit insurance relates solely to the goods you carry. In a collision that damages both the van and the load, there are therefore two claims under two covers.
Does the cover also apply abroad?
That depends on the area of operation stated on the policy. The standard is often the Netherlands or the Benelux; wider cover within Europe is usually possible but has to be applied for. If you occasionally cross the border for a job, report that in advance. A loss outside the stated area is not paid, even if the policy is otherwise in order.
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.
