Company vehicles · employees in traffic · package
De Goudse business car insurance
A business car policy covers your vehicles. Your biggest outstanding item lies elsewhere: the employee who goes on the road for work and is injured themselves.
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- 9.5 customer rating for a new policy
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- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: De Goudse autoverzekering zakelijk.
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.
In brief
For the vehicles themselves it is straightforward. Passenger cars go on the business car policy, vans on the van insurance, heavier equipment on the lorry insurance and towed equipment on the trailer insurance. Under Article 2 of the Dutch Motor Insurance Liability Act (WAM), every registered vehicle needs liability cover, however little it is driven.
The gap lies elsewhere. A car's liability cover is there for injured third parties and pays nothing to the driver who caused the accident. If your employee is injured in the process, they can hold you liable: from Article 7:611 of the Dutch Civil Code it follows that an employer has to arrange proper insurance for employees exposed to traffic risks in the course of their duties, and Article 7:658 of the Dutch Civil Code also imposes a duty of care for safe working.
For that there is motor accident insurance for employees. It covers your staff's losses in traffic, whoever is at fault and whatever the mode of transport: in the company car, in their own car, on a bicycle or on foot. You can read about the difference from the classic variants at WEGAS and WEGAM. This is not a luxury: with serious injury such a claim runs on a long way and without cover the business stands alone.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four points that determine whether your mobility is genuinely covered.
The employee's own car
If staff drive to clients on their own registration, you have no grip at all on that vehicle's cover. Even so, your employers' liability continues regardless. Set out that employees must have at least a certain level of cover, and insure participation in traffic separately as an employer. A mileage allowance is not insurance.
Commuting or not
On motor accident cover for employees, the scope is the first thing to check: does the cover apply only during working hours, or also on the journey to and from home? That differs per insurer and per variant. With hybrid working and varying locations that line has become less sharp.
Hired-in staff and self-employed professionals
Under Article 7:658(4) of the Dutch Civil Code your duty of care also extends to people who are not employed by you but do work for you. Agency workers, seconded staff and in certain cases self-employed people fall within it. Check whether the cover includes that group, because policies based only on the payroll do not do so automatically.
What is left out
These covers also have limits: intent and wilful recklessness on the part of the employee, driving under the influence or without a valid driving licence and taking part in speed events are excluded. Traffic fines are never insurable. Private journeys outside the duties described also fall outside motor accident cover for employees.
What does your premium depend on?
- Number and type of vehicles: passenger cars, vans and equipment are weighed separately
- Number of employees who go out on the road: the basis for the motor accident cover
- Sector and area of operation: field work and construction traffic count more heavily than office work
- Annual mileage of the fleet: exposure is the most important variable
- Claims record: earlier collisions and injury claims count
- Structure of the package: combining with your other commercial policies saves on the total
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Your employee runs into the back of a queue with the company car and the other party has damage | Yes | Yes |
| In that same collision the front of your own company car is dented | No | Yes |
| A hailstorm damages the cars parked on the business site | No | Yes |
| The company vehicle is stolen from the public road at night | No | Provided that |
| Your employee is injured in a single-vehicle accident with the company car | No | No |
| The transmission fails after two hundred thousand kilometres | No | No |
The choice of own-damage cover deals with the metal. The injury of the driver who was at fault is on neither form.
Frequently asked questions
This is what people ask us most.
Why is motor accident insurance for employees needed alongside the car policy?
Because the car policy does not pay for the losses of the at-fault driver themselves. If your employee causes an accident with permanent injury on the way to a client, there is cover for the other party through the WAM, but not for them. As the employer you can be held liable for those losses. Motor accident cover picks up exactly that part, whoever is at fault.
Does this also apply to an employee on a bicycle?
On most motor accident covers it does, provided it concerns participation in traffic in the course of the work. That is relevant now that many companies offer company bicycles. A cyclist is also vulnerable: in a collision with a motor vehicle Article 185 of the Dutch Road Traffic Act applies, but in a single-vehicle accident there is no other party and the question remains who bears the loss.
Can I recover losses from my employee?
Hardly. An employee is only liable for damage during work in the case of intent or wilful recklessness. That follows from Article 7:661 of the Dutch Civil Code. A dent in the company car is therefore for the business to bear. You can agree that the excess is passed on for private use, provided that is set out in writing and in advance.
What should I do after an accident with a company car?
Have the driver complete a European accident statement form and report the claim straight away; Article 7:941 of the Dutch Civil Code requires this. If there is injury, involve your liability and motor accident cover at the same time, because otherwise those files run one behind the other. Record why the employee was on the road. That fact determines which policy takes up the file.
Read more
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