Zakelijk • Verkeer • truck insurance
Business truck insurance – truck insurance with third party liability, third party limited liability insurance or all risk
Immediately commercial truck insurance (vrachtwagenInsurance) verzekert u schade aan of veroorzaakt met uw vrachtwagen. Met WA insures damage to others. Of (limited) airframe or all-risk (WA hull) Depending on the policy, you also insure damage to your own truck or belongings. (policy dependent)
Finass Verzekert compares several insurers and pays extra attention to conditions that often make the difference in transport: construction and accessories, theft prevention, directors, mileage, claim-free years en de manier van schadeafhandeling. U ontvangt A helder voorstel met sterke value for money.
Truck insurance in brief
With the truck insurance bent u gedekt als er iets met uw Truck gebeurt. U kiest de dekking die past bij waarde, risico en inzet: WA, WA-restricted or all-risk (WA hull).
An agreement or quote within 24 hours
Complete data helps for a quick assessment. The quotation page asks, among other things: License plate, claim-free years, data driver, coverage and mileage.
What is business truck insurance?
Definition (practical)
A commercial truck insurance is een Insurance voor vrachtwagens die zakelijk worden ingezet. U verzekert minimaal de legal liability (WA) voor schade aan derdand. Met (limited) airframe or allrisk verzekert u aanvullend (een deel van) de schade aan uw eigen Truck. Wat precies is meeverzekerd is policy dependent.
Please note: cover for cargo/goods is often covered by a separate transport or freight insurance.
What do insurers often look at?
- type of vehicle (e.g. box truck, tractor/trailer, chassis with body);
- permitted maximum mass and deployment (regional/international) (situation-dependent);
- drivers and driving experience;
- claim-free years and claims burden;
- theft risk, storage and security.
Why insure your truck commercially?
WA is mandatory
Third-party liability insurance is required by law to participate in traffic. You are not allowed to go on the road without a WA.
High damage burden in transport
Damage to trucks can be expensive (vehicle, structure, salvage, downtime). Adequate coverage limits financial risk.
Continuity of your operation
In the event of damage, you want to move on quickly. Repair appointments, expertise and any replacement solutions are policy dependent.
✔ Coverage tailored to vehicle type and deployment
✔ Attention to construction, accessories and prevention
✔ Assistance with damage and clear policy review
Who is commercial truck insurance suitable for?
Transporters & logistics
- own transport or professional transport (depending on the situation);
- regional distribution or long distances;
- one vehicle or fleet.
SME with truck(s)
- construction, wholesale, production, facility services;
- specific structure (crane/hook arm/refrigerated) (situation-dependent);
- multiple directors and planning.
Self-employed (ZZP) with truck
- own tractor or truck;
- Claim-free years and acceptance can be decisive;
- combination with legal assistance or passengers (policy dependent).
Coverage: WA, WA Limited Casco and Allrisk (WA-casco)
Overview of the main points; exact coverage and deductible depend on the policy.
Coverage comparison (indicative)
| coverage | What is usually insured? | When is this often appropriate? |
|---|---|---|
| WA | Damage you cause to others with the truck (legal liability). | Minimum legal coverage; often chosen for lower vehicle values. |
| WA Limited Casco | Third party liability + often damage due to fire, theft, storm/window damage (depending on the policy). | When you want to cover theft and disaster risk. |
| all-risk (WA hull) | Third party liability + limited hull + often your own collision damage (also due to your own fault) (depending on the policy). | For newer/more expensive trucks or when you want maximum security. |
Please note: the exact details differ per insurer, vehicle and use.
Construction & accessories
Laadklep, kraan, koelmotor, hydrauliek, opbouw of speciale inrichting kan invloed hebben op acceptatie en dekking. Geef dit altijd vooraf door (policy dependent).
Drivers & usage
Meerdere bestuurders, nachtstops en internationale inzet kunnen Conditions beïnvloeden. Wij zorgen dat uw gebruik correct is vastgelegd.
Deductible & damage repair
Eigen risico’s en herstelroute (expertise, Garagekeuze, berging) verschillen per polis. Wij maken dit vooraf transparant.
Typical risks with trucks and transport
Collision and consequential damage
- damage to your own vehicle and opponent;
- storage and storage (depending on the policy);
- downtime/operational impact (policy dependent).
Theft and vandalism
- theft of vehicle or parts;
- burglary damage to cabin;
- prevention requirements can be strict.
Construction and special components
- refrigeration system, tailgate, crane;
- susceptible to damage with intensive use;
- maintenance/inspection plays a role in claim discussions.
Important demarcation: vehicle versus cargo
Truck insurance is primary for it vehicle and liability. Insurance for cargo/goods of transportLiability loopt vaak via aparte verzekeringen (polisafhankelijk). Wij adviseren u welke combinatie past bij uw bedrijfsmodel.
Conditions & prevention: this way your truck remains properly insured
Reporting obligation and correct description
- provide the license plate number, vehicle type and structure correctly;
- record drivers and use (regional/international);
- correctly specify mileage and claim-free years;
- Report changes in use or structure in a timely manner.
Incorrect reporting or failure to report may have consequences for coverage and benefits.
Prevention that is often expected (policy dependent)
- security (immobilizer/additional locks) where required;
- storage on site or monitored location during night stop (situation-dependent);
- key management and registration;
- maintenance and inspection registration of construction/parts.
Prevention helps doubly: fewer claims and often better acceptance/premium.
How much does business truck insurance cost?
Premie hangt af van voertuig, waarde, dekking, bestuurders, claim-free years, inzet en preventie. Onderstaande factoren zijn indicatief; exacte tariefstelling is verzekeraar- en polisafhankelijk.
Vehicle & superstructure
- type (box truck/tractor), mass and value;
- construction (refrigerator/crane/tail lift) (situation-dependent);
- new/current value and security.
Drivers & claims costs
- claim-free years and bonus/malus;
- age and experience of directors;
- claims history and claim frequency.
Use & region
- mileage and deployment (distribution/long-haul);
- parking, night stops and locations prone to theft;
- chosen deductible and coverage.
Information you usually need (connect to the quotation page)
| Element | Examples | Why this is important |
|---|---|---|
| License plate | License plate of the truck | Vehicle details, type and basic acceptance. |
| claim-free years | Number of years / bonus-malus | Determines premium and discount level. |
| Director | Name + date of birth | Risk profile and acceptance. |
| Address | Postal code/city | Regional and theft risk, storage and rate. |
| coverage | WA / WA-limited / Allrisk (WA airframe) | Biggest impact on premium and protection. |
| mileage | Annual number of km (e.g. 10,000 / 20,000 / unlimited) | Exposure: the more kilometers, the higher risk. |
Premiums and conditions always depend on the insurer and policy.
Reporting damage: this is how truck handling works
Step-by-step plan in case of damage
- Safety: place a warning triangle, ensure safety and call emergency services if necessary.
- Document: photos, location, people involved and extent of damage.
- Facts: claim form, counterparty details, witnesses.
- Report quickly: timely reporting prevents discussion about exacerbation.
- Recovery/expertise: follow the recovery route and expertise agreements (depending on the policy).
We guide you with coverage, evidence and communication with the insurer.
In case of theft or burglary
- file a report immediately and note down the report number;
- provide key(s) and security information (policy dependent);
- check compliance with prevention requirements (storage/lock).
We help you to deliver the claim “claim-proof”.
Additional insurance that often applies to trucks
Traffic legal assistance
For legal support in traffic conflicts and the recovery of damages (depending on the policy).
Accidents/occupants
Additional protection for driver and passengers in the event of injury or death (policy dependent).
Transport insurance
Separate insurance is often required for cargo/goods or transport liability (policy dependent).
Frequently asked questions about commercial truck insurance
What is business truck insurance?
Een zakelijke vrachtautoverzekering (vrachtwagenverzekering) verzekert schade aan of veroorzaakt met uw vrachtwagen. Met WA insures damage to others. Of (beperkt) casco of allrisk verzekert u – afhankelijk van de polis – ook schade aan uw eigen vrachtauto.
What minimum coverage do I need?
is minimal WA required. For extra protection, choose WA Limited Casco or Allrisk (WA-casco) (depending on the policy).
Is the theft of the truck insured?
Diefstal valt doorgaans niet onder WA, maar vaak wel onder WA Beperkt Casco of Allrisk (policy dependent). Let goed op preventie-eisen zoals stalling en sleutelbeheer.
Is the superstructure (tailgate/crane/refrigerator) included in the insurance?
This is policy dependent. Always inform us of the construction and accessories in advance; this can affect premium, deductible and acceptance.
Is cargo or freight (goods) also insured?
Usually not automatically via truck insurance. Separate insurance policies are often required for goods/cargo and transport liability (depending on the policy).
What information do I need for a quote?
In de praktijk zijn vaak nodig: kenteken, claim-free years, gegevens van de bestuurder, adresgegevens, gewenste dekking (WA/WA-beperkt/allrisk) en kilometrage. Soms ook: voertuigwaarde, opbouw en stalling/beveiliging.
Can I insure multiple trucks as a fleet?
Vaak is een wagenparkoplossing mogelijk. Dit kan beheer en premie-optimalisatie ondersteunen (policy dependent). Wij adviseren welke structuur past bij uw vloot.
Want to take out truck insurance? Request a no-obligation quote
Do you want your truck zakelijk goed en scherp geprijsd verzekeren? Finass Insures helpt u met een passende dekking, duidelijke preventie-eisen en ondersteuning bij schade.
Request a truck insurance quote
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl.
