Comparing independently
- No ties to a single insurer
- Advice tailored to your situation
- We arrange the switch
Insuring for business and private use
If you drive the same car for your work and for the family, everything turns on two lines on the policy schedule: the description of use and the group of people allowed to drive.
- 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
Insurers divide car use into categories: private use only, private use including commuting, business use, and professional carriage of people or goods. That description of use appears on your policy schedule and is decisive. If you regularly drive round to customers, deliver materials or carry colleagues while private use is insured, the actual risk differs from the risk insured. When you claim, that is a ground for adjusting the payment under Article 7:928 of the Dutch Civil Code.
The second point is whose name it is in. If the car and the policy are in your company's name, the no-claims years are built up by the company and not by you personally. When the business ends or the car moves into private ownership, you rarely come out of that without losing something. The other way round, you drive a private car for business without the insurer knowing. Discuss whose name the policy is in before it starts, not afterwards.
If an employee is behind the wheel, a second layer of policy comes into it. The employer has a duty of care where employees take part in traffic, and that touches Articles 7:611 and 7:658 of the Dutch Civil Code. You can read more about that at business car insurance. If you carry a load or tools, also look at insuring a van for business use.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
Through Finass or direct with the insurer?
The structure of the cover in three parts, with an overview per situation below.
What we do
| What we do | At Finass | Direct with Zakelijk |
|---|---|---|
| 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 Business 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?
- Description of use. Private, commuting or business use forms the basis of the rating and must match reality.
- Annual mileage. Combined use almost always means more kilometres than purely private use; declaring too few is risky.
- Name in which the policy is held. In the company's name or your own. That determines where the no-claims years are built up.
- Circle of drivers. One regular driver is rated more favourably than a car driven by changing employees.
- Type of vehicle and fitted equipment. A passenger car, a van with a fitted-out interior and a pick-up each have their own rating.
- Business claims history. Claims on the company's other vehicles count as soon as the policy is in the company's name.
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.
The description of use has to match what happens in practice
Private use, commuting and business use are three different categories with their own premium. If your business grows and you make more customer visits, the risk changes without the policy moving with it. Pass that on. If it emerges after a claim that the car had been used differently from what was insured for months, the insurer may adjust the payment to what it would have insured had the declaration been correct. Professional carriage for payment is excluded as standard.
No-claims years follow the policyholder
If the policy is in the name of your sole trader business or your BV, the years built up sit in that name. If the business stops or the car moves into private ownership, transferring them is not a matter of course and the approach differs from company to company. With a private policy that you use for business, the years stay with you personally. Choose deliberately and ask in writing in advance whether a transfer is possible; afterwards you will be empty-handed.
Your employee behind the wheel
An employee who drives for work falls under the employer's duty of care. It follows from Article 7:611 of the Dutch Civil Code that you must make proper provision for the risk of injury and damage in traffic. There is a separate motor accident policy for employees for that. And recovery is barely possible: Article 7:661 of the Dutch Civil Code protects the employee against liability towards you, unless there is intent or wilful recklessness. The excess therefore stays with the company.
A load and tools are not on the motor policy
The motor policy covers the vehicle as registered, including permanently fitted equipment if that has been declared. Tools, materials and customers' goods fall outside it, even where they are stolen from a locked van. A separate business contents or goods in transit policy is needed for that. If you carry third parties' goods for payment, carrier's liability comes on top; that is a policy form of its own with its own limits.
Frequently asked questions
This is what people ask us most.
May I drive a company car privately?
For insurance purposes you may, provided the policy schedule states business use and the group of drivers is described widely enough. If your partner or a child living at home also drives, check whether they are permitted as drivers. Some commercial policies limit driving to the business owner and his employees. If there is a restriction, have it amended before anyone else gets in.
Do I take my no-claims years with me if I stop trading?
Not automatically. Years built up on a policy in the company's name sit with that legal entity or trading name. Some insurers allow a transfer to the director personally, often subject to conditions and to proof that you were the regular driver. Ask about that before you cancel the policy; once it has been cancelled it is hard to put right.
Are my tools in the car covered as well?
No. The motor policy covers the vehicle, not what you carry in it. You insure tools and materials through a business contents or tools policy, and customers' goods through transit cover. Watch the prevention conditions too: many policies exclude theft at night unless the van is in a locked space or the tools have been taken out.
Can I recover the excess from my employee?
Rarely. Article 7:661 of the Dutch Civil Code provides that an employee is not liable for damage he causes to his employer in the performance of his work, unless there is intent or wilful recklessness. A term in the employment contract can depart from that only to a limited extent. So expect the excess to remain at the company's expense.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- A few cars on the business: what small and medium-sized firms arrangeSeparate policies, changes, growth
- Insurance for the automotive sectorCustomer vehicles, trade stock, test drives
- Business vehicle insuranceUse, drivers, claims burden
- What else needs arranging alongside the business car policyRoad risk, load, plant
- Insuring a tractorRegistration requirement, implements, use
- Insuring a sports car
- Insuring by make
Read more
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.