Private alongside business · package structure · classics
De Goudse works through brokers and is strongly focused on business owners. For a private car policy that mainly means: watch the line between what you drive privately and what you drive for the business.
Deze pagina in het Nederlands: De Goudse autoverzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
As brokers we set the range of more than thirty insurers side by side. De Goudse stands out because its range for private customers and for business owners lie close together. If you drive privately in a car you also use for your business, that is a reason to deal with both sides in one conversation.
In insurance terms that line is sharper than it feels in practice. A private car policy assumes private use with commuting where applicable. If you drive to clients every day, carry materials or let an employee drive, that is business use and the car belongs under a business car insurance. If that is not declared, the basis of the premium is wrong and Article 7:930 of the Dutch Civil Code gives the insurer room to reduce the payment.
If you have an enthusiast car alongside the everyday one, look at classic car insurance or at the wider classic vehicle cover. Those policies work with a mileage limit, a storage requirement and a valued amount. That is not only cheaper, it also prevents a loss adjuster having to derive the value of your car after a claim from a market that barely exists.
This page deals with one situation. The full overview is on Compare car insurance.
Four points on which this policy is assessed.
If you combine buildings, home contents, legal expenses and car, that gives a discount and one point of contact. Do check whether sections overlap: motor legal expenses cover and a personal accident cover can appear on more than one policy. Paying twice produces no double payment.
Breakdown assistance and a replacement car are additional sections and are not automatically included in own-damage cover. Check whether assistance applies to a breakdown at home, or only after an accident, and whether cover abroad is included. Without these sections you have no right to transport in the event of a breakdown, even if you have comprehensive cover.
Audio, navigation, a towbar or a roof box fitted later belong on the policy schedule as a declared accessory. For additions that have not been declared, insurers often apply a limited maximum or no cover. Keep the invoices, because after a claim you are asked for the purchase value and not for what you think it was worth.
Outside the cover are luggage and personal belongings in the car, damage to the interior from goods, animals or loads carried, and use for driving lessons or carriage for payment. Hire to third parties is also excluded, as is damage caused intentionally or through reckless driving, as Article 7:952 of the Dutch Civil Code provides.
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You damage your neighbour's car while parking | Yes | Yes |
| A deer crossing the road runs into your car and the front is dented | No | Yes |
| Your car stands at the supermarket all afternoon and afterwards turns out to be scratched down the side | No | Yes |
| A hailstorm dents the roof while the car stands on the drive | No | Yes |
| You are injured yourself after driving into a tree on a bend | No | No |
| The clutch fails after years of driving and has to be replaced | No | No |
Third-party liability pays only the other party's loss; everything that happens to your own car depends on the type of own-damage cover chosen.
This is what people ask us most.
Occasionally, usually yes; regularly, no. As soon as you are on the road for work regularly, carry materials or let an employee drive, the risk changes and that should be on the policy. Discuss it in advance; adjusting the description of use takes little effort, whereas an argument after an accident about why you were driving somewhere produces a great deal of trouble.
A valuation report fixes the value before anything happens, so that the insurer takes that amount as the starting point in a total loss. Without a report the market value is estimated afterwards, and on older cars estimates vary widely. Watch the period of validity of the report. If it expires, you fall back on market value after all.
As a rule anyone with a valid licence who has your permission, unless the policy has a restricted range of drivers or an age clause. If the car is driven regularly by someone else, that person should be declared as the regular driver. With a young driver a higher excess often applies, even if they only drive occasionally.
The break-in damage to the car falls under own-damage cover, but the stolen items do not. Laptops, phones, tools and luggage belong on a home contents, travel or business policy, with their own conditions on where and when theft is covered. Do not leave valuables in the car; belongings left in sight lead to argument on other policies too.
Verzekeringen:
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Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
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Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
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Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
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Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
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Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
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Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
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Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
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Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
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Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
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pakketten
MKB-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
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Pakketten
Verzekeringspakket ZZP
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
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pakketten
VvE-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
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Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
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Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
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