From three vehicles · your own claims burden · changes
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.
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 your own premium with the calculator.
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
Fleet insurance brings all your company's vehicles under one agreement, with one policy schedule, one renewal date and one point of contact. In practice 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.
The structure of the cover in three parts, with an overview per situation below.
The basics
Third-party liability
Compulsory by law for every vehicle on the policy.
All vehicles on one policy
Trailers and semi-trailers too
One renewal date
Selectable per vehicle
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
The practical advantage
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.
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.
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.
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.
From how many vehicles is a fleet policy worthwhile?
In practice 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.
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.
