Third-party liability
- All vehicles on one policy
- Trailers and semi-trailers too
- One renewal date
Compare fleet insurance
With a fleet, the bonus-malus disappears and your own claims burden takes its place. That suddenly makes loss prevention a direct premium item rather than an abstract idea.
- 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
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
- 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
Fleet insurance brings all your company's vehicles under one agreement, with one policy schedule, one renewal date and one point of contact. In reality it starts to pay off from about three to five vehicles, mainly because of the administration.
The premium is not calculated per vehicle on no-claims years but on the claims burden of the whole fleet: the ratio between what you pay in premium and what the insurer pays out in claims. If the ratio is favourable the premium falls; if it is unfavourable it rises — for all vehicles at once.
During the year you can add and remove vehicles without a new policy. New vehicles are often covered immediately through automatic cover, with settlement afterwards.
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 fleet insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Own-damage cover
You choose per vehicle whether it has third-party fire and theft or comprehensive cover.
- Young cars comprehensive
- Older vans third-party
- Excess per category
Management
Changes, green cards and claims handling in one place.
- Adding and removing
- Automatic cover for new vehicles
- One point of contact for claims
What is covered
| Situation | Covered |
|---|---|
| A collision with a company vehicle | Yes |
| Theft of a vehicle from the fleet | Sometimes |
| A new car that has not yet been registered | Sometimes |
| Injury to your driver on the road | No |
| Tools and load in the van | No |
| Driving without a valid licence or under the influence | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Number and type of vehicles: the main basis for calculation
- Claims burden over recent years
- Cover chosen per vehicle
- Excess per category
- Annual mileage and area of operation
- Circle of drivers: regular drivers or changing
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.
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.
Loss prevention is money here
Because the premium is based on the claims burden of the whole fleet, every loss prevented feeds straight through into what you pay. Driving behaviour monitoring, a clear claims protocol, cameras in vans and discussing claims with drivers are therefore not management talk but a premium measure.
Factor in the excess wisely
With a fleet you can set the excess per category. A higher excess on the vans that pick up a lot of small parking damage reduces the premium sharply, while you keep it low on the directors' cars. Work out how many small claims you have per year before you choose.
Load and tools fall outside it
The fleet policy insures the vehicles. What is inside them (tools, materials, trading stock) is not covered. That calls for own-account carriage insurance or goods-in-transit insurance, with its own requirements as to overnight parking.
Your drivers are not insured
Injury to a member of staff taking part in traffic for work falls outside the motor policy and outside your public and employers' liability insurance (AVB). The WEGAS insurance (*WEGAS*, employer's liability cover for road use) exists for that, and the Hoge Raad (the Dutch Supreme Court) has firmly anchored that liability in the duty to act as a good employer.
Frequently asked questions
This is what people ask us most.
From how many vehicles is a fleet policy worthwhile?
In reality from about three to five. The advantage lies partly in the premium but mainly in the administration: one policy, one renewal date and changes without a new application.
How is the premium determined?
On the basis of the claims burden of the whole fleet: the ratio between premium paid and claims paid out. Bonus-malus per vehicle therefore disappears, and loss prevention feeds straight through into your rate.
Can I choose a different cover per vehicle?
Yes. Comprehensive cover for young cars, third-party or third-party fire and theft for older vans, and the excess set per category. That is one of the biggest advantages of this form.
Is a new vehicle insured straight away?
With most policies a new vehicle is automatically included, with settlement afterwards. Do report it within the agreed period. That is set out in the policy conditions.
Is the load in my vans insured as well?
No. Tools, materials and stock fall outside the vehicle policy. That calls for own-account carriage insurance, with requirements as to where the vehicle is parked overnight.
Are my drivers insured if injured?
Not on this policy and not on your AVB either, which excludes motor vehicles. For that you need a WEGAS insurance.
Every situation is different. For these situations we have a separate page.
- Compare van insuranceThe main page
- Fleet insuranceSeveral vehicles, settlement afterwards, claims burden
- Insuring a van fleetFrom three vehicles, claims burden, changes
- Business van insuranceIn the company name, fit-out, delivery
- The fleet and traffic risk of a medium-sized companyFleet contract, claims burden, settlement afterwards
- Van insurance through Vereende
Read more
Within Bestelautoverzekering
Similar pages
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. Last updated on .
The information on this page is general in nature and is not personal advice.