Liability
- Cables and pipes
- Damage to buildings
- Injury to bystanders
Insuring a Doosan
Doosan machines now go by the name Develon, and that makes the question of how your machine appears on the policy, and who pays for a manufacturing fault, a practical one.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
- 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 brand name has changed. The machines have stayed the same. In insurance files that creates a muddle: a policy in the name of Doosan, a purchase invoice saying Develon and a loss report with yet another designation. So work with the serial or chassis number as the leading identification. That number is what a loss adjuster, the police and the insurer use in a theft or total loss. The brand name is administration.
The second theme with this make is inherent defect. Machines in this segment are often resold as young used plant, so the factory warranty has frequently already expired. If something then breaks from the inside, the question is whether your policy includes inherent defect or covers only damage from outside. That difference determines whether a cracked boom structure or a burnt-out control unit is your bill.
Finally, pay attention to where the machine comes from. A machine bought outside the official import channel can be identical, but with different warranty arrangements and a different route for parts. Declare that origin when you apply.
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Doosan: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Own-damage cover
Damage to and theft of the machine, including inherent defect.
- Theft and vandalism
- Fire and storm
- Inherent defect and operating error
Downtime and transport
What comes into play with breakdown and transport.
- Business interruption during downtime
- Transport to the site
- Hired plant
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Type and serial number as registered. A clear description of the object prevents disputes in a theft or total loss.
- Origin of the machine. Supplied through the official import channel or outside it, with different warranty arrangements.
- Cover for inherent defect. Comprehensive own-damage cover including inherent defect costs more than limited perils cover.
- Year of manufacture and remaining warranty. While the factory warranty runs, part of the risk lies with the supplier.
- Operating hours and maintenance records. A complete service file separates covered damage from excluded wear.
- Arrangements for repair. Brand-affiliated or independent workshop, and the use of original parts.
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.
Put the serial number first, not the brand name
A change of name produces policies on which the object is no longer clearly identified. Check that the policy shows the full type, the year of manufacture and the serial number, and that these match the plate on the machine. In a theft, that number is the only means by which the machine is identified. A discrepancy between the policy and the machine leads to delay and, if the insurer cannot identify the object, to a dispute about cover.
Inherent defect: included or not
Comprehensive own-damage cover also pays for damage whose cause lies in the machine itself: material, design or casting faults. Limited cover does not and pays only for external perils such as fire, storm and theft. Ask which version you have. Even in the comprehensive form, the defective part itself is often not paid for, although the consequential damage it causes to the rest of the machine is.
Recovery first, then the policy
If there really is a manufacturing fault, the producer can be held liable for it under Article 6:185 DCC, alongside the ordinary warranty and sale arrangements with the supplier. Insurers exclude damage that a third party must pay under contract or by law. So keep the contract of sale, the warranty terms and the delivery conditions with the machine. Only once the warranty period has expired, or the fault cannot be traced to the manufacturer, does the policy come into play.
Repair outside the brand network
Insurers have a say in where and how repairs are carried out. If you have work done at an independent workshop or with non-original parts, that can affect the payment and any warranties still running. Damage arising from an earlier faulty repair or from a modification to the machine not approved by the manufacturer is excluded. So agree the method of repair and the choice of parts before the workshop starts.
Repairs and parts
The dealer network is more limited; expect longer delivery times for specialist parts.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
Frequently asked questions
This is what people ask us most.
Do I have to change my policy now that the make is called Develon?
The cover does not change because of a change of name, but do check that the object is clearly described. Make sure the type, year of manufacture and serial number on the policy match the plate on the machine. In a theft or total loss, that number is what is worked with; a different brand designation causes delay at most, a missing serial number causes real problems.
Is a boom broken by a welding fault covered?
That depends on the form of cover. Only comprehensive own-damage cover including inherent defect pays for damage whose cause lies in the machine itself. The defective part itself is often not paid for, but the consequential damage to the rest of the machine is. With a demonstrable manufacturing fault, the insurer will also first look at recovering from the manufacturer.
What if the manufacturer or supplier has to put the fault right?
Then that obligation takes precedence. Insurers exclude damage that a third party must pay for under contract or by law; Article 6:185 DCC governs the producer's liability for a defective product. Keep the contract of sale and the warranty terms with the machine documents, so you can show whether that route is still open.
May I choose a workshop for the repair myself?
Discuss that with the insurer in advance. The method of repair and the choice of parts affect the payment, and with a machine still under warranty an independent workshop may affect that warranty. Damage arising from an earlier faulty repair or from an unapproved modification to the machine is excluded in virtually every policy.
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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.
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This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.