De Vereende · compared independently · advice from Finass
Taxi insurance via Vereende
With taxi work your customer is in the vehicle you are driving: your passenger is legally a third party, your drivers change and the mileage clocks up far faster than with a family car.
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 situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Like any passenger car, a taxi must be insured under Article 2 of the Dutch Motor Insurance Liability Act (WAM), but it is accepted on a completely different basis. Professional passenger transport means many hours in city traffic, constant getting in and out at awkward places, night work and several drivers per registration number. That produces a high exposure to injury claims from occupants, and that is the item that makes a taxi policy expensive.
Vereende places risks that are refused elsewhere. In the taxi segment that often arises after a policy cancellation, after a series of claims within a short period or with a new business that has not yet built up any no-claims years. We set that acceptance alongside the regular market, so that you know whether you are structurally dependent on this route or only temporarily.
The policy covers the vehicle and the liability, not your licence and not your turnover. What you carry, who is behind the wheel and whether your paperwork is in order determine whether it stays within that cover. If you also drive vans for care or goods transport, we look at the van insurance.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your taxi insurance. We show what Vereende and other insurers offer within it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare the extended version from Vereende with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with De Vereende
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether De Vereende is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Your passenger is a third party, even though they pay you
Under the compulsory third-party liability cover, occupants are simply injured parties. Your customer's injuries are reimbursed from it. The exception is the driver: they are not a third party in relation to their own vehicle. For the driver, separate personal accident or occupants' indemnity insurance is therefore needed, and if they are an employee, a road accident also engages the duty of care under Article 7:611 of the Dutch Civil Code.
The licence, driver's card and on-board computer
Paid passenger transport is only permitted with an operator's licence and a valid driver's card. If it emerges after a collision that the card had expired or that the vehicle was not registered as a taxi, the insurer comes to the question of whether the declared use was correct. Payment to the victim stands, but the own-damage loss and the recovery risk are left with you. Check validity dates for each driver and record it.
Changing drivers bring liability to the company
If a driver is an employee, your business is liable for the damage they cause to others, under Article 6:170 of the Dutch Civil Code. Recovery from that driver is almost never possible: Article 7:661 of the Dutch Civil Code only allows it in the case of intent or deliberate recklessness. If you work with hired-in or affiliated drivers, report that arrangement, because acceptance turns on who actually drives.
Baggage, turnover and private trips fall outside it
A suitcase damaged in the boot is carrier's liability and not motor damage. Loss of income because the car is off the road after a collision is not reimbursed. A replacement vehicle only if that module is included. If you drive privately while only taxi use has been declared, Article 7:930 of the Dutch Civil Codecomes into play. Driving under the influence or without a valid licence is excluded in all variants.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Annual mileage per vehicle. A taxi covers a multiple of the mileage of a private car. That is the first basis for the calculation.
Type of transport. Street taxi work, contract and school transport, care transport and airport transfers each have a different claims profile.
Number of drivers and their age. One fixed driver is easier to assess than a changing pool using the vehicle day and night.
Operating area and driving hours. Night work in a large city weighs more heavily than daytime driving in a region with quiet roads.
Vehicle value and modifications. Wheelchair facilities, a taximeter, a roof sign and camera systems increase repair costs after a collision.
Claims history and earlier cancellation. A policy cancellation or a series of claims determines whether you can still go to the regular market or depend on special acceptance.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Is my passenger insured if I cause the accident myself?
Yes. Under the compulsory third-party liability cover, occupants count as injured third parties, so their injury claims are reimbursed, even though they paid you for the trip. The only person outside that is the driver. If you want to cover yourself or your drivers, occupants' indemnity insurance or personal accident cover is needed; that stands apart from the third-party liability cover.
What happens if a driver drives without a valid driver's card?
The victim is paid in any event, because third-party liability cover is compulsory by law. But the insurer can recover that amount from you and refuse the own-damage claim, because the use is then not as declared. So introduce a fixed check on the validity dates of the driver's card and licence and keep that check with the personnel file.
May I also use the taxi privately?
Only if that appears on the policy. If only taxi use has been declared and something happens during a private trip, you are into the duty of disclosure under Article 7:928 of the Dutch Civil Code and its consequences under Article 7:930 DCC. Mixed use can generally be insured without difficulty, but it must have been declared in advance and included in the premium.
Is loss of turnover reimbursed if my taxi is off the road after a claim?
No. Motor insurance reimburses repair or market value of the vehicle and third parties' losses, not the fares you miss. For time off the road, a replacement vehicle module is the practical solution. That arranges a courtesy car and not your margin. If you really want to cover loss of income, that belongs with separate business interruption insurance.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
