Self-employed · compared independently · advice from Finass
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).
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
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 insurance
Third-party liability insurance is required by law and covers damage you cause to others with your vehicle, not damage to your own vehicle.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
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.
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.
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.
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.
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.
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.
