Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Business vehicle insurance
With a business vehicle the decisive factor is not the damage but whether the use at the time of the accident matched what you had declared.
- 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
Every motor vehicle on the public road must be insured against liability. That follows from Article 2 of the Dutch Motor Insurance Liability Act (WAM) and applies equally to a trailer, a van or a vehicle that stands on the premises for months. Anyone who fails to do so faces a register check and recovery by the Waarborgfonds Motorverkeer if damage occurs. The obligation only ends when the registration is suspended, and then the vehicle really may not stand on the road.
On top of that obligation, your declared use determines the cover. Commuting, ordinary business use, courier and delivery services, driving lessons, hire and carrying passengers for payment are separate categories with their own rate and their own acceptance. A van declared as a service vehicle but delivering parcels every day differs from the declaration. That is a ground for refusal when you claim, even if the journey had nothing to do with deliveries.
The third variable is the circle of drivers. In a fleet where keys are passed around, it is not one regular driver that counts but the whole group allowed to drive, including their age and driving experience. Declare that group correctly. An incorrect declaration at inception engages Article 7:928 of the Dutch Civil Code.
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 business vehicle insurance 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?
- Stated use. Commuting, service journeys, delivery, driving lessons or hire are separate classes with their own rate.
- Circle of drivers. One regular driver, a fixed team or changing use by all employees, and their age and driving experience.
- Annual mileage. The number of kilometres driven per year per vehicle is a direct measure of the chance of a claim.
- List price and cover chosen. The value of the vehicle and the choice between third-party liability, third-party fire and theft and comprehensive cover determine the premium.
- Size of the fleet. Above a certain number of vehicles the risk is assessed on a fleet basis, with its own claims burden calculation.
- Storage and security. Overnight storage on a closed site or in a warehouse and the presence of a tracking system count.
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.
Tools in the van are not part of the vehicle
Own-damage cover insures the vehicle, not what is in it. If your van is broken into and the complete tool kit disappears, the motor policy pays for the damage to the door and nothing else. For the contents you need a separate business contents or tools cover, often with requirements for overnight storage, for leaving the van empty and for a sound lock. Also declare permanently fitted equipment and livery.
Whoever is in the vehicle is not automatically covered
The compulsory liability cover pays victims, but not the driver for his own injury. If your employee crashes in a single-vehicle accident, without additional cover there is nothing. An occupants' indemnity policy or WEGAS cover fills that gap, and it is not an optional extra: the duty of care for taking part in traffic for work follows from Article 7:611 of the Dutch Civil Code and therefore rests with you as the employer.
Trailers, cranes and bodies have to be declared
A trailer has its own position: when coupled, liability normally runs with the towing vehicle; uncoupled and standing on its own it does not. A loader crane, an aerial platform body or a refrigeration unit is also a machine with which damage can arise outside traffic. Declare that body, because damage caused while working with the equipment falls into a different category from damage while driving.
Damage during loading, unloading and on private premises
Much damage arises not on the road but during manoeuvres on a building site, at a loading bay or on a customer's premises: a shopfront struck, a fence driven over, a forklift damaged. That damage falls between the motor policy and the liability policy, because the latter excludes motor vehicles. Discuss this expressly and have it recorded which policy covers loading and unloading, otherwise both insurers will point at each other.
Frequently asked questions
This is what people ask us most.
Does every company vehicle have to be insured?
Yes. Article 2 of the WAM requires liability insurance for every motor vehicle, including one standing on your own premises or not driven for months. Only suspension of the registration removes that obligation, and then the vehicle may not stand on the public road. For an uninsured vehicle a register fine follows and the Waarborgfonds Motorverkeer recovers from you the amounts it has paid out.
What happens if the actual use differs from my declaration?
The insurer may then refuse cover, even where the journey during which the damage occurred had nothing to do with that different use. Delivery, hire and paid passenger transport are separate risk classes with their own rate. If your business changes, report it at once; an incorrect declaration when the insurance is taken out engages Article 7:928 of the Dutch Civil Code.
Are the tools in my company van insured?
Not on the motor policy. That insures the vehicle itself, so after a break-in the damage to the door or the lock is paid for and the missing contents are not. For tools, materials and loose equipment separate cover is needed, usually with conditions about overnight storage and about leaving the van empty outside working hours.
Is my employee covered in a single-vehicle accident?
Not under the compulsory liability cover. That pays victims and not the driver himself. Without another party his injury goes uncompensated, while Article 7:611 of the Dutch Civil Code imposes on you as the employer a duty of care for taking part in traffic during work. An occupants' indemnity policy or WEGAS cover fills that gap and prevents you having to bear that loss yourself.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Insurance for business assetsBusiness contents, plant, electronics
- Insurance for welfare organisationsVolunteers, board, clients
- Insurance for care and welfareClients, work in the community, volunteers
- Insurance for staff and employmentSickness absence, WGA, road risk
- Insuring a trikeVehicle category, driving licence, cover
- Insuring a financial leaseEconomic owner, comprehensive cover, outstanding balance
- Own goods in transit insurance for self-employed professionalsTools in the van, overnight storage, replacement value
- Insurance for road transportCMR, fleet, drivers
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.