Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Third-party liability insurance for carnival floats through Vereende
A carnival float is driven one day a year, but it travels on the public road with people on board and therefore falls squarely under the insurance obligation in Article 2 of the Dutch Motor Insurance Liability Act (WAM).
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The procession takes place on the road, and legally that is decisive. A carnival float is a trailer or a motor vehicle in its own right within the meaning of the WAM and must be insured under Article 2 of the Dutch Motor Insurance Liability Act (WAM). If the structure is towed by an agricultural tractor, the coupled float should fall under the cover of that towing vehicle. If the structure stands on its own chassis with a registration number, it is a separate object to be insured.
Building clubs, carnival associations and float-building neighbourhood groups work with volunteers on a self-built vehicle that has never been tested and has no agreed value. Mainstream insurers rarely accept this. Vereende places it as cover for the day of the procession or for the carnival season. If there is also an audience, a stand or a site involved, we look at the motor vehicle event insurance.
Third-party liability cover deals only with damage to others. The float itself, the building shed, the weeks of construction and the driver at the wheel are not included. For many associations that is the surprise: the most expensive part of the project, the float they have worked on for a year, is precisely the uninsured part.
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Through Finass or direct with De Vereende?
The structure of the cover in three parts, with an overview per situation below.
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 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.
What does your premium depend on?
- Dimensions and weight of the structure. Height and width determine the chance of contact with overhead lines, facades and street furniture.
- Type of towing vehicle. An agricultural tractor, a lorry chassis or a self-propelled structure with a registration number are each assessed differently.
- Length of the cover. One day of procession, a carnival weekend or a whole season with several processions produce different rates.
- Number of people on board. The more people on and around the float, the greater the chance of injury from a fall or from being trapped.
- Route and surroundings. A village centre without overhead lines is a different risk from a city centre with tram lines and narrow facades.
- Experience of the driver and claims history. A regular, experienced driver and an association without previous incidents count in your favour when cover is assessed.
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.
Why 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.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
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.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The tractor and the float are two separate things
A coupled trailer is in principle covered under the third-party liability cover of the towing vehicle, but that insurer has priced a farm trailer, not a five-metre-high structure with a sound system on it. So notify the structure separately. If the float comes uncoupled during the procession and rolls on, the cover question is different from when it was still attached to the towbar.
Anyone standing on the float is not a passenger in the usual sense
Under the compulsory third-party liability cover, people on board count as injured third parties: if someone falls from the float or is trapped by a moving element of the decoration, their injury is compensated. The driver of the tractor falls outside that and needs their own personal accident cover. For the association as builder and organiser, there is also the liability of Article 6:162 of the Dutch Civil Code for an unsound structure.
Height, width and what stands along the route
With carnival floats things rarely go wrong through a collision and usually through a fixed object: an overhead line, a canopy, a road sign, a facade or a lamp post that the local authority then charges to you. Municipal permission and an exemption for the dimensions are not only traffic requirements; insurers set them as a condition. Measure the clearance height along the route before you build, not afterwards.
What the third-party liability policy expressly does not cover
Damage to the float itself is not insured. There is no own-damage cover for a self-build without an agreed value. Fire or theft in the building shed during the months of construction is not covered either and calls for separate cover. Injury to the driver falls outside third-party liability cover. Driving under the influence or without the licence required for the tractor leads to the payment being recovered from the driver.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Is third-party liability insurance for a carnival float really compulsory?
Yes. As soon as the vehicle takes part in traffic on the public road, the insurance obligation in Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies, even if that is only one afternoon a year. If you drive uninsured and someone is injured, the Waarborgfonds Motorverkeer pays the victim and then recovers that amount from the owner or the driver.
Is the float automatically covered by the tractor's insurance?
Often it is, as long as it is coupled, but do not rely on it blindly. The tractor's insurer has accepted an ordinary trailer, not a tall, heavily decorated structure with people on board. So notify the structure in advance and ask for written confirmation that the float is covered during the procession, including the people on it.
Is a volunteer who falls from the float insured?
During the procession, yes: people on board are third parties under the third-party liability cover, so their injury is compensated. If the accident happens during construction in the shed, there is no motor vehicle risk and you fall back on the association's liability or on separate personal accident cover for volunteers. So do not try to arrange those two situations with one policy.
Is the float itself insured against damage or fire?
No. Third-party liability insurance covers only damage you cause to others. The float is a self-build without a valuation or agreed value, which means own-damage cover is not available. Fire in the building shed, theft of materials and storm damage to the structure call for separate cover, which you have to arrange before the building period, not shortly before the procession.
Every situation is different. For these situations we have a separate page.
Read more
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.