Third-party liability
- Compulsory from registration onwards
- For business use as well
- Injury to third parties
Insuring a car for self-employed professionals
As a self-employed professional (zzp'er) you drive the same car to the client and to the supermarket. For the insurance, how you declare that is what counts, and for your income something else entirely counts.
- 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
You insure the car in your own name or in the name of the business. For a sole trader that makes little difference to liability, but it does to the no-claims years: in the business's name they are held in the name of the business.
Declare the actual use. If you cover considerably more kilometres for business than a private motorist, that belongs in the declaration; too low a declared mileage is a point of discussion after a loss.
What this policy does not cover is your own loss of income when an accident stops you working. As a self-employed professional you cannot rely on a client's obligation to insure.
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We compare your car 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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A car for the self-employed: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Own-damage cover
Theft, fire, storm and, with comprehensive cover, your own fault as well.
- Third-party, fire and theft, or comprehensive
- With finance, often comprehensive cover
- Excess can be set
What falls outside it
Your own income and what you carry.
- Your own loss of income
- Tools and materials
- Liability arising from your work
What is covered
| Situation | Car policy | Different cover |
|---|---|---|
| Damage to another vehicle | Yes | No |
| Theft of or fire in your car | Sometimes | No |
| Tools stolen from the car | No | Yes |
| Your own injury and loss of income | No | Yes |
| Liability arising from your work | No | Yes |
| Driving without a valid licence | 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?
- No-claims years: the most decisive factor
- Make, model and list price
- Business mileage per year
- Cover and excess chosen
- In your own name or the business's
- Postcode area
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.
Your own injury is not included
If you are injured on the road while working, the motor policy covers the other party's loss but not your loss of income. Unlike employees, you cannot rely on an employer's obligation to insure. The Supreme Court rejected that argument from a self-employed professional in September 2021. That needs disability insurance (AOV).
In the business's name or private
For a sole trader there is no separation between business and private assets, so for liability it makes little difference. For the no-claims years it does: in the business's name the business builds them up, and when it ends you cannot simply take them over to a private policy.
What you carry falls outside it
A laptop, measuring equipment, tools or samples in the boot are not covered on the motor policy. Your own goods need a goods in transit insurance of your own, with requirements about where the vehicle is kept outside working hours.
Declare business mileage honestly
A self-employed professional who drives to clients daily covers considerably more kilometres than the average private motorist. Declare that. Too low a declared mileage brings the premium down but is a ground for discussion about the accuracy of your declaration after a loss.
Frequently asked questions
This is what people ask us most.
In your own name or in the business's?
For liability that makes little difference for a sole trader. For the no-claims years it does: in the business's name they are held in the name of the business.
Am I insured for my own injury?
Not on this policy. As a self-employed professional you cannot rely on a client's obligation to insure. That needs disability insurance (AOV) of your own.
Is my laptop in the car insured?
No. Your own goods need a goods in transit insurance of your own, with requirements about where the vehicle is kept outside working hours.
Do I have to declare business use?
Yes, including the actual mileage. Too low a declaration is a point of discussion after a loss.
Do I build up no-claims years?
Yes, in the name in which the policy is held. On a policy in the business's name they are held in the name of the business.
Does my motor policy cover professional indemnity?
No. Liability arising from your work runs through an AVB or a BAV, depending on what you do.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Insuring the car for business as a self-employed professionalRegistered name, declared use, your own injury
- Using and insuring a private car for businessDeclared use, employer's risk, motor vehicle exclusion
- Car insurance for the Peugeot 308Business registration, no-claims years, employer
- Car insurance for the Mazda 3Company car, policyholder, no-claims years
- Car insurance for the Audi A4Mid-size, ADAS, glass damage
- Insurance for the Ford TransitVan, load, use
- A company car: who may drive it and how it is usedDrivers, use, claims burden
Read more
Within Autoverzekering
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.