Actual value
- Not capped per kilogram
- Regardless of who is liable
- Including freight and costs
Fleet insurance
A fleet policy is not a stack of separate motor policies: above a certain size, the insurer calculates using your own claims figures instead of the tables that apply to individual vehicles.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The statutory obligation continues to apply per vehicle. Article 2 of the WAM requires every motor vehicle with a Dutch registration to be insured for liability, even when it is stationary and not in use. A fleet policy changes nothing about that. It only bundles the administration. The vehicle schedule behind the contract is therefore not an annexe but the heart of the policy: what is not on it is not covered.
The second shift lies in how the price is set. With separate policies, a bonus-malus ladder per vehicle determines the premium. With a fleet, what is looked at is your claims burden across the whole fleet, often with settlement afterwards. That means managing claims pays off: a few drivers or a few vehicles that keep coming back in the statistics still weigh on your rate years later.
Third, this policy touches on employment law. For your employees' mistakes in traffic you are liable towards third parties under Article 6:170 DCC, while Article 7:661 DCC limits the extent to which you can recover the loss from that same employee. Anyone who wants to put the excess on the driver as a matter of course runs into this.
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What does fleet insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Liability
What a carrier bears at most.
- CMR: 8.33 SDR per kilo
- AVC: € 3.40 per kilo
- Rarely the actual value
Type of cover
From limited to all risks.
- All external perils
- Limited perils
- Storage in transit
What is covered
| Situation | Carriers' liability | Goods in transit |
|---|---|---|
| Damage from an accident, up to the weight limit | Yes | Yes |
| Damage above the weight limit | No | Yes |
| Theft of the cargo | Sometimes | Yes |
| Damage with no identifiable fault | No | Yes |
| Storage during the journey | No | Sometimes |
| Inherent defect or inadequate packaging | No | 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?
- Size and composition of the fleet. The number of vehicles and the split between cars, vans, lorries and trailers determines the basis of the contract.
- Cover chosen per vehicle. Liability, third-party fire and theft or comprehensive cover can differ per vehicle. Older equipment often goes on liability cover only.
- Your own claims history. The number and size of claims over recent years, broken down per vehicle, weighs more heavily with a fleet than market tables.
- Driver population. Age, experience, turnover of staff and whether vehicles are permanently assigned to one driver or used by several people influence the chance of a claim.
- Use and annual mileage. Urban distribution, construction traffic, journeys abroad or predominantly motorway mileage lead to widely differing risk assessments.
- Excess and settlement afterwards. A higher excess per claim or an arrangement with settlement based on the actual claims burden shifts the risk and with it the rate.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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 vehicle schedule must be accurate every day
A new vehicle that has not yet been registered is driving around uninsured and, besides any damage, also amounts to a breach of the WAM. A vehicle that has been sold but is still on the schedule costs premium for nothing. Arrange who adds and removes vehicles, and treat trailers, semi-trailers with their own registration, hire cars and replacement vehicles as separate items in this. On suspension, registration remains necessary as soon as the vehicle takes to the road again.
Who may drive, and what if that was not accurate
Driving without a valid or appropriate licence, under the influence, or by someone not authorised under the policy leads to recovery. The injured third party is paid under the WAM, but the insurer recovers that amount from you or from the driver. For intent and wilful recklessness, Article 7:952 of the Dutch Civil Code also applies. Record who may use which vehicle and whether private use is allowed.
Recovering the excess from the driver is not straightforward
Article 7:661 DCC protects the employee: damage he causes in carrying out his work is in principle not for his account, unless there is intent or wilful recklessness. Departing from this is only possible in writing and within limits. Deducting it from wages without that basis does not stand up. If you do want to steer behaviour, do so with reporting and instruction, not with a deduction after the event.
The vehicle is insured, the contents are not
Own-damage cover concerns the motor vehicle itself. Tools, stock and goods for delivery in the load space fall outside it. That calls for a own goods in transit insurance. Traffic fines are not insurable either, and damage caused with a motor vehicle is specifically excluded on a public and employers' liability insurance. Go through those three boundaries, because with a fleet that is where something most often falls between two stools.
Frequently asked questions
This is what people ask us most.
From how many vehicles is a fleet policy worthwhile?
Insurers apply their own lower thresholds for this, so no general figure can be put on it. What is decisive is above all whether your own claims figures are large enough to have statistical meaning. If they are, your actual claims burden starts to steer the premium. If the fleet stays small, separate policies with bonus-malus per vehicle usually remain better value.
Is a vehicle that has not yet been registered covered?
Some policies have a short period during which a new vehicle is automatically included, but that is not a given and is often subject to conditions. Without such a provision the vehicle is being driven uninsured, contrary to Article 2 of the WAM. Assign the registration route to one person and check the schedule against your own vehicle records periodically.
May I recover the excess from the driver?
In principle, no. Article 7:661 of the Dutch Civil Code places damage an employee causes in carrying out his work with the employer, unless there is intent or wilful recklessness. Departing from this in writing is possible to a limited extent, but not without limits. Deduction from wages without that basis does not stand up in a dispute. Better to steer through instruction and claims reporting per driver.
Is the load in my company vehicles insured as well?
No. Own-damage cover relates solely to the motor vehicle itself. Tools, materials and trading stock in the load space are not covered by it, not even where the whole vehicle is stolen. That calls for separate cover for carrying your own goods. Assess for each type of vehicle what is normally kept in it and what it would cost to replace.
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.