Changing building sites · hired plant · overnight storage
Plant and machinery insurance through De Goudse
Small and medium-sized plant rarely stands in the same place for two weeks. It is precisely that movement between projects that shows where a policy is tight.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Werkmaterieelverzekering via De Goudse.
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
As an independent firm we compare the offering of more than thirty insurers. De Goudse is something we regularly apply for on behalf of installation firms, landscape gardeners, contractors and maintenance businesses with a limited number of machines: a mini excavator, an aerial work platform, a telehandler or a few forklift trucks. The choice of insurer follows from what you do with that plant and where it stands outside working hours.
At this size of business the biggest gap is usually not in liability but in theft and damage outside working hours. A building site is not a secure compound, and insurers therefore link the theft cover to conditions: demonstrable forced entry, an approved lock or immobiliser, a tracking system, or an obligation to bring the plant back to your own yard after working hours. If practice departs from that, the cover rests on shaky ground.
The second point to note is plant that is not yours. If you hire in an aerial work platform for a single job, it is not automatically covered under your policy. If you lend a machine to a fellow business owner, the question is whose insurance pays. Both situations call for a separate clause. What a plant and machinery policy does and does not include is set out clearly under the types of plant and machinery insurance.
This page deals with one situation. The full overview is on Compare plant and machinery insurance.
What to look out for
Four situations that most often lead to a rejection with movable plant.
Carriage on your own trailer
Damage that arises while the machine is on a trailer or low-loader is a borderline case. Some policies treat this as a transport risk and exclude it; others cover it only where the load has been properly lashed. If a mini excavator falls off the trailer, the argument also turns on inadequate load securing, which can be treated as your own fault. Set out the lashing method in your work instructions.
Theft and the risk prevention conditions
The policy names specific requirements, and they are binding. If the plant is left on the building site without the agreed security, the chance of a rejection is high, even where there are signs of forced entry. Note also the provision on keys and immobilisers: a machine with the key in the ignition counts almost everywhere as inadequately secured.
Lifting and overloading
A telehandler or aerial work platform used outside the load chart overturns or deforms. Damage caused by overloading, lifting above the permitted capacity or use on ground that will not bear the load is excluded as standard. The same applies to carrying people on plant that is not approved for it. This is not a small-print issue but a structural starting point of the policy.
Who may operate the machine
Lent to a subcontractor, operated by an agency worker or temporarily in use by the client: in all those cases the insurance position changes. If someone is injured, your duty of care under Article 7:658(4) of the Dutch Civil Code extends to people who are not employed by you as well. Record who uses which machine and what instruction was given.
What does your premium depend on?
- Number of machines on the policy: a small fleet has a different structure from a scaled schedule
- Value per item: the most expensive machine often sets the conditions
- Working area: the Netherlands only, or cross-border work as well
- Hiring out or lending to third parties: changes the nature of the risk fundamentally
- Security and storage arrangements: decisive for the theft premium
- Own-damage variant chosen: third-party, fire and theft or comprehensive cover
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party, fire and theft | Comprehensive cover |
|---|---|---|
| A mini excavator burns out through a short circuit in the wiring loom | Yes | Yes |
| A storm brings a tree down on the tracked excavator standing on the work site | Yes | Yes |
| The operator puts the telehandler into a lamp post while manoeuvring | No | Yes |
| Persons unknown scratch the cab of your forklift truck and smash the window | No | Yes |
| The hydraulic pump fails during a job after years of running | No | No |
| A fellow business owner damages the machine you lent them | No | Provided that |
Third-party, fire and theft covers the external causes; anything down to operation or to the machine itself calls for comprehensive cover or belongs on a different policy.
Frequently asked questions
This is what people ask us most.
Is hired plant automatically insured?
No. Hired plant belongs to someone else and falls outside your policy unless there is a separate clause. The hire company will nevertheless charge the damage to you, including the hire income lost during the repair. So ask for a hired plant section with a realistic maximum per item, or check whether the hire company offers its own cover and against what excess.
Does the insurance cover damage to the work itself?
No, and that regularly surprises business owners. If you damage with the machine the work you are carrying out, that is damage to your own performance. The Construction all risks (CAR) insuranceexists for that, and insures the works themselves. The plant and machinery policy is aimed at the machine and at damage to third parties.
What happens if I sell or replace a machine?
Report it at once, so that the policy keeps pace with the fleet. A machine you have sold that stays on the policy costs premium unnecessarily. A new machine that is not on it is not insured. Changes in use, for instance starting demolition work or hiring out, fall under the same duty to notify and can lead to different conditions.
How quickly must I report a claim?
As soon as you could reasonably be aware of it. That is the standard in Article 7:941 of the Dutch Civil Code. In the case of theft that includes reporting it to the police immediately, quoting the chassis or serial number. Do not wait until the repair invoice arrives, because a late notification that harms the insurer's interests can lead to loss of the right to a settlement.
Read more
Within Werkmaterieelverzekering
- Werkmaterieelverzekeringthe main page
- Allianz zakelijk werkmaterieelverzekering
- Non-self-propelled plant and machinery insurance through Avéro Achmea
- Zzp werkmaterieelverzekering
- Avero achmea werkmaterieelverzekering
- Werkmaterieelverzekering laadschop
- Nationale nederlanden zakelijk werkmaterieelverzekering
Similar pages
- Plant and machinery insurance through Allianz
- Non-mobile plant and machinery insurance through Avéro Achmea — compare & calculate your premium
- Plant and machinery insurance through Nationale-Nederlanden
- Insuring plant and machinery for self-employed professionals
- Insuring a shovel loader and mini loader
- Insuring a telehandler
- Which plant and machinery policies are there?
- A telehandler on the plant and machinery insurance