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.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability
Damage you cause to other people with the car.
Compulsory from registration onwards
For business use as well
Injury to third parties
Optional
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
Important
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.
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).
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.
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.
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.
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.
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.
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.
