Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Business vehicle insurance and premium comparison
For self-employed professionals (zzp'ers) and sole traders — insure your vehicle for business use with third-party liability; third-party, fire and theft; or comprehensive cover, matched to how you use it. We compare several insurers. Independent advice from Finass Verzekert — AFM-registered and affiliated with Kifid (the financial services complaints institute).
- 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
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
As a self-employed professional you insure your business vehicles — from car and van to motorcycle, scooter, lorry, plant and machinery and trailer — with third-party liability; third-party, fire and theft; or comprehensive cover. You choose the right cover for each vehicle, matched to your business use.
We match the cover to your business use, mileage and no-claims years. At Finass Verzekert we compare several insurers and look for the keenest premium for your vehicle.
Pay attention to the business use, the mileage, the own-damage cover and whether the load or your tools need to be insured separately. Our advice is independent.
Independent, personal, sorted quickly
We compare your van insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does business vehicle insurance cover, and what is the premium?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including damage to your own vehicle, theft and write-off — sensible for a new or valuable business vehicle.
- Hail damage
- Damage through your own fault
- Vandalism
- Unknown party at fault
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with Zzp |
|---|---|---|
| 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 self-employed cover 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.
What does your premium depend on?
- Sum insured: the main basis for calculation
- Cover and modules chosen
- Risk profile and sector
- Excess chosen
- Claims history
- Working area
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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.
All business vehicles
All business vehicles From car and van to lorry, plant and machinery and trailer.
Third-party, own-damage and comprehensive
Third-party, own-damage and comprehensive The right cover for each vehicle, matched to its value and use.
Business & deductible
Business & deductible The premium is usually deductible as a business expense.
Load and tools
Load and tools Combine this with goods-in-transit insurance for your own load.
Frequently asked questions
This is what people ask us most.
Which vehicles can I insure as a self-employed professional?
From car and van to motorcycle, scooter, lorry, plant and machinery and trailer. We insure every business vehicle with the right cover.
Can I bring several vehicles together on one policy?
Yes, you can insure several business vehicles together in one clear arrangement, often at a more favourable rate. We set this up for you.
Is business vehicle insurance compulsory?
Third-party liability cover is required by law for every motor vehicle. Own-damage cover (limited or full) is optional, but sensible for a new or valuable vehicle.
Can I insure my vehicle for business use?
Yes, as a self-employed professional you insure your vehicle for business use. The premium is then usually deductible as a business expense. We set this up to suit you.
Do my no-claims years count?
Yes, we carry over the no-claims years you have built up. No-claims years built up on a business policy can also count towards a lower premium.
Are the load and my tools included?
Vehicle insurance covers the vehicle itself. For your load and tools on the road you take out goods-in-transit insurance. We combine the two if you wish.
Every situation is different. For these situations we have a separate page.
Read more
Within Bestelautoverzekering
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.