A few cars on the business: what small and medium-sized firms arrange
Two vans, a director's car and the occasional hire car: in a small or medium-sized firm the fleet is too small for a contract and too large not to think about.
- 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 · Deutsch
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
With a handful of vehicles, separate policies are usually still the cheapest. Each vehicle then keeps its own form of cover and its own claims history, and you can choose per car: own-damage cover on a new van, third-party only on a written-down company vehicle. You only notice the drawback later. Four policies means four renewal dates, four sets of conditions and four separate notifications for a change of address or of legal form. A fleet insurance solves that, but works with your own claims figures instead of accrued steps.
The second point is the use that appears on every policy schedule. A van with a commercial registration is intended for carrying goods for your own business. If you step in once to carry goods for a business contact for payment, that is carriage for third parties and the declared capacity no longer fits. The same applies to a car registered as a director's vehicle that goes out daily with materials and staff. See also the business van insurance.
The third point is growth. A small or medium-sized firm changes faster than its policy file: an extra employee, an agency worker, a second site, a private limited company above the sole trader. Those are changes in risk. The declaration in the application falls under Article 7:928 of the Dutch Civil Code; if these are no longer correct, the insurer can reduce or refuse the payout under Article 7:930 of the Dutch Civil Code. If staff drive, look at WEGAS and WEGAM.
This page deals with one situation. The full overview is on Compare car insurance.
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.
Sectors
Tailored
CoverWhy 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.
What to look out for
Four considerations that cost more in a small fleet than the premium itself.
When one contract pays off
Do not simply add the premiums together. A fleet contract becomes attractive as soon as you spend more time making changes than driving, or as soon as a vehicle can no longer be insured separately because its claims history is poor. If your claims burden is favourable, separate policies with accrued discount often hold up longer.
One claim affects only one policy
That is the advantage of insuring separately: a collision with the van leaves the premium for the director's car untouched. Do watch the drop in steps on the policy concerned and the question whether a small loss is worth claiming, because the discount you lose works through for several years.
The hire car and the borrowed car
A vehicle hired temporarily does not automatically fall under your policies. There is often third-party cover through the hire company, but with a considerable excess on own-damage cover and no cover for your own load. If you borrow a car from a business contact, the care, custody and control situation is relevant: damage to a vehicle that you have in your care but do not own is excluded on liability policies.
What is not included
Fines and additional tax assessments are never paid. Article 7:952 of the Dutch Civil Code keeps damage caused by intent or deliberate recklessness outside every cover. And if someone drives without the required entitlement or outside the declared use, own-damage cover lapses and the third-party insurer can recover its payment from the driver.
What does your premium depend on?
- Number of vehicles and their value: determines whether separate policies or one contract makes sense
- Form of cover chosen per vehicle: third-party, third-party, fire and theft or comprehensive cover alongside the market value
- Declared use and capacity: carrying your own goods weighs differently from carriage for third parties
- Number of drivers and their ages: changing use by staff increases the frequency
- Mileage and where the vehicle is kept: a van on the street is a different risk from one on a locked site
- Claims history per policy: with separate policies that counts per vehicle individually
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Your van damages the neighbour's car while pulling out of a space | Yes | Yes |
| The dents in your own van after that same manoeuvre | No | Yes |
| The director's car is stolen from the drive at the business | No | Yes |
| You hit a post during a journey for which a business contact paid you to carry goods | Provided that | No |
| Damage to a van you had hired for a week | No | No |
| A dispute with the garage about a repair that was not carried out properly | No | No |
In a small fleet the gain rarely lies in the form of cover and almost always in the question whether the declared use is still correct.
Frequently asked questions
This is what people ask us most.
Can I put the no-claims years from my private car on the company car?
No-claims years attach to the person and belong to the regular driver, not to the vehicle. If the company car is registered to the business, companies sometimes still allow a discount based on your personal history, but that is an acceptance decision and not a right. The other way round, you build up no personal steps on a policy held by the business.
What if an employee takes the company car home?
Declare it, because it changes both where the vehicle is kept and the group of drivers. Commuting is not a problem with almost any insurer, but regular private use by him and the people he lives with is another matter. Set out in writing who may drive and what you do about an excess.
Do I have to declare a conversion or signwriting?
Yes. For own-damage cover insurers assume the factory specification. A racking system, an inverter, a refrigeration unit or signwriting is only covered if it appears as a separate item on the policy schedule. Without that declaration, putting it right after a loss is at your own expense, while payment for the vehicle itself simply goes ahead.
We are becoming a private limited company. Does anything change on the policies?
Yes, because the policyholder changes. The policies have to be put in the name of the new legal entity and the capacity has to be correct again. If that does not happen, the question of who is actually the insured can arise after a loss. We arrange the naming and at the same time check whether the cover still matches what the business now does.
Every situation is different. For these situations we have a separate page.
- Which business vehicle belongs on which policyRegistration number, use, plant
- What else needs arranging alongside the business car policyRoad risk, load, plant
- Insuring for business and private use
- Business car insuranceRegistration, staff behind the wheel, duty of care
- Business car insurance for a company vehicleFitting-out, tools, load
- Business interruption insurance by sectorStandstill, recovery time, sector variants