Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance for road transport
In road haulage you rarely lose a cargo claim on the substance but on the clock: the periods within which you have to notify, complain and issue proceedings are short.
- 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
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
Under the CMR a claim about the cargo is in principle time-barred one year after delivery, with a longer period in the case of wilful misconduct or equivalent fault. That works both ways. You have to notify your insurer in good time and complain in good time to a fellow haulier or terminal, but you can also reject a claim that comes in too late. So record the date, time and content of every notification; when limitation is in issue that is your strongest defence.
Just as decisive is what happens at delivery. If the consignment note is signed off without reservation, the presumption is that the goods were received in good condition and the burden of proof shifts to the other party. Visible damage has to be noted immediately, non-visible damage within a short period after delivery. A driver who takes a photograph and writes the remark on the consignment note does the most important part of your claims handling.
The third issue is your own staff. Drivers are on the road every day and their own injuries fall outside liability insurance, which excludes motor vehicles. The duty of care in Article 7:611 DCC nevertheless rests with you; WEGAS cover is therefore the most predictable addition in this sector.
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
What does insurance for road haulage cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | 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. Tractor units, rigids, semi-trailers and trailers are each assessed separately on value and claims likelihood.
- Area of operation. Domestic transport, journeys within Western Europe or further east differ greatly in theft and collision risk.
- Type of load. Bulk, general cargo, electronics, tobacco and dangerous goods each carry their own vulnerability to theft and damage.
- The pool of drivers. The number of drivers, their age and experience and turnover in the workforce all count towards the premium.
- Security of the vehicle combination. A tracking system, kingpin lock, door alarm and the use of secure parking places affect acceptance and rate.
- Claims history and excess. The number of claims per vehicle per year and the excess chosen together determine the final premium.
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.
Load securing is a driver's task with business consequences
If a load shifts, the consequences are rarely limited to the goods: an overturned vehicle, a blocked carriageway, injury to third parties. A check finding a load unsecured or wrongly secured also results in a fine, and that is a sanction and therefore cannot be insured. Set out the securing method for each type of load in your instructions, have it recorded who secured it and make sure straps, corner protectors and dunnage are available.
Tractor, trailer and coupling are three things
A trailer has its own registration number and its own position. When coupled, liability usually follows the tractor unit, but as soon as it is uncoupled and stands on its own it becomes a separate risk again. The same applies to own-damage cover and to theft of the trailer with its load. Go through your fleet for combinations you use interchangeably, and for hired equipment, because that is a recurring gap when you claim.
Dangerous goods and temperature are not automatically included
Transport under ADR and temperature-controlled transport are separate categories. Spoilage because a refrigeration unit failed, because the temperature was set wrongly or because the door stood open too long is not covered without a separate mention. For refrigerated transport insurers ask for a temperature record covering the whole journey. If you take on such work occasionally, report it beforehand and not when the first claim arises.
Standing still is the most dangerous moment
Cargo theft happens during a break, at an unsecured parking place or shortly after departure. Insurers therefore impose conditions on the pitch: parking only at a guarded site, not standing unattended within the first kilometres after loading, alarms and locks active. If you do not meet those, no payment follows, however professional the theft was. Translate those requirements into a route instruction rather than into a policy annex nobody reads.
Frequently asked questions
This is what people ask us most.
How quickly does a cargo claim become time-barred?
Under the CMR, in principle one year after delivery, with a longer period in the case of wilful misconduct or equivalent fault. That short period also protects you: a claim that comes in too late can be rejected. So record the date, time and content of every notification, and report a loss to your insurer immediately. Late notification also runs into Article 7:941 of the Dutch Civil Code.
Why is signing off without reservation risky?
Because a clean consignment note gives rise to the presumption that the goods were received in good condition. The burden of proof then shifts to the party claiming there was damage after all. Have drivers note visible discrepancies on the consignment note straight away and take photographs at loading and unloading. Non-visible damage has to be reported in writing within a short period after delivery.
Is my driver's own injury covered?
Not on public and employers' liability insurance, because that excludes damage involving motor vehicles, and the lorry's WAM cover does not pay the driver for their own injury either. Even so, the duty of care in Article 7:611 of the Dutch Civil Code for road use during work rests on you. WEGAS insurance closes that gap and, in this sector with daily exposure to traffic, is not a borderline case.
Is theft of cargo from a parking place insured?
Only if you complied with the parking conditions. For attractive cargo insurers usually require a guarded site, a minimum distance after loading before you stop and active security on the vehicle. If you park at the roadside anyway, no payment follows, however professionally the thieves went about it. Build those requirements into the route instruction for your drivers.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Insurance for transport and logisticsCargo, fleet, liability
- Business vehicle insuranceUse, drivers, claims burden
- Marine, inland waterway and aviation: sailing area and crewHull, area, crew
- Insurance for the fishing industryOwn-damage cover, catch, crew
- Insurance for the rail sectorCertification, taking out of service, consequential loss
- Insurance for care and welfareClients, work in the community, volunteers
- Liability for carriersCMR, limit per kilo, limitation
- Insurance for postal and parcel servicesVolume, loss, liability
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. Last updated on .
The information on this page is general in nature and is not personal advice.