WEGAM insurance through De Vereende
WEGAM covers one clearly defined risk: the loss suffered by your employee as the driver of a motor vehicle during work. That loss falls outside the vehicle's own third-party liability cover.
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- We compare the offerings of several insurers
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In brief
The letters stand for employer's liability, motor vehicles. It concerns the situation in which an employee is behind the wheel for work and is injured themselves. The compulsory third-party liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) exists for injured third parties. The driver who causes the accident is not one of them and cannot recover their own injury loss from it. If a claim against you then remains, that is the claim WEGAM absorbs.
That claim does not always follow from a failure in the duty of care. In traffic an employer has little influence on what happens, and a separate line of authority has therefore developed: it is derived from Article 7:611 of the Dutch Civil Code that good employment practice means you must arrange proper insurance for staff who take to the road for work. If you do not, the absence of that provision can itself become the basis for your liability.
Vereende focuses on risks that are hard to place in the regular market. With transport-related businesses that happens more often than average: delivery services, couriers and taxi operators have young drivers, high mileages and a high claims frequency. Finass Advies compares several insurers objectively and first puts an application to the regular market. The difference with the broader variant is set out on WEGAS and WEGAM; for the vehicles themselves, look at the fleet insurance.
This page deals with one situation. The full overview is on WEGAS and WEGAM: what is the difference?.
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WEGAS/WEGAM insurance
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Get coveredWhy 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.
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We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
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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.
What to look for with WEGAM
Four points that make this narrow cover useful or, on the contrary, inadequate.
Only losses involving a motor vehicle
The cover is tied to the vehicle. If an employee falls from a ladder, is injured in the warehouse or comes off as a pedestrian or cyclist, that is not a WEGAM claim. If your staff also work outside the vehicle, you need a broader employee injury insurance; WEGAM alone then leaves a considerable part of your risk open.
Which vehicles and which journeys
Have it recorded which categories count: company cars, vans, delivery scooters, forklift trucks on your own site and the private vehicle used for work. The question whether commuting counts also belongs on the policy schedule. Cover that relates only to vehicles registered to the business leaves the employee's own car uninsured.
What is excluded
Excluded are own-damage to the vehicle and other damage to property, journeys without a valid driving licence or under the influence of alcohol or drugs, taking part in races and speed trials and use of the vehicle for purposes that have not been declared. Intent and wilful recklessness on the driver's part also remain outside the cover, in line with Article 7:658(2) of the Dutch Civil Code and Article 7:952 of the Dutch Civil Code.
Clauses where there is an adverse claims history
If a risk is placed through a specialist market, expect conditions that set out how you operate: requirements as to the age or experience of drivers, a compulsory licence check or the recording of journeys. Such clauses are conditions of cover. If they are not met, the cover lapses for precisely that claim.
What does your premium depend on?
- Number and type of vehicles: a car, van or scooter each have their own risk profile
- Annual mileage per vehicle: more time on the road means more exposure
- Age and experience of the drivers: a heavy factor with deliveries in particular
- Type of transport: own-account transport, courier journeys or passenger transport
- Claims history of the fleet: frequency weighs more heavily here than size
- Prevention clauses that can be complied with: licence checks and instruction reduce the risk
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | WEGAM | WEGAS |
|---|---|---|
| Your delivery rider skids on a wet road surface on the scooter and breaks their hip | Yes | Yes |
| A technician on the way to a client is hit by a car that is never identified | Yes | Yes |
| Your driver hurts their back while unloading beside the van | No | Yes |
| An employee trips on the office stairs and breaks their wrist | No | Yes |
| An employee drives their own car to a job and is injured | Provided that | Provided that |
| After the accident it turns out the driver had been driving without a valid licence | No | No |
The left-hand column follows the vehicle, the right-hand column follows the employee. The more often your staff work outside the car, the greater that difference.
Frequently asked questions
This is what people ask us most.
Is WEGAM the same as occupants' insurance?
No. Occupants' insurance is tied to the vehicle and compensates the loss of those who were in it, regardless of fault. WEGAM is liability cover for you as the employer and follows the employee, including in another vehicle. Both can exist alongside each other. In that case the concurrent insurance provision determines which policy pays first.
Do I need WEGAM if my staff rarely drive?
Occasional journeys also fall under the obligation that follows from good employment practice. An employee who drives the van to a client once a month runs the same risk of injury as someone who does it daily. With a small risk the premium is correspondingly low. It is the absence of the provision that is the expensive option in a serious accident.
What if the accident is someone else's fault?
Your employee then in principle recovers their loss from that other party's third-party liability insurer. If the other party turns out to be uninsured or unknown, or a long discussion arises about the division of fault, your own provision comes into play. The insurer can then recover a payment made from the party actually liable.
What do I supply with an application where there is a claims history?
A full claims overview for recent years, including refused and withdrawn claims, plus a description of the measures you have taken since. The duty of disclosure under Article 7:928 of the Dutch Civil Code applies strictly here, and non-disclosure can, under Article 7:930 of the Dutch Civil Code lead to a reduced or refused payment at the moment it matters.
Every situation is different. For these situations we have a separate page.
- WEGAS and WEGAM: what is the difference?The main page
- WEGAS XL: the extended employee cover through Turien & CoBroader description, occupational diseases, run-off
- Employer's liability insurance (WEGAS/WEGAM)Duty of care, traffic accidents, Article 7:611 of the Dutch Civil Code
- Liability insurance for businesses through De VereendeUnusual risks, clauses, prevention
- Insuring through De VereendeSpecial placement, file, clauses
- Van insurance through Vereende