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
Ford uses the Transit name across a whole range: from a small van on a passenger car platform to a heavy van that comes close to the limit of a category B licence. Insurers assess those variants not as one model but as separate vehicle classes. The permitted maximum mass and the body code on the registration are therefore no formality, but the starting point of acceptance.
On top of that, use counts heavily on this model. A Transit taking materials to your own building site is one thing. A Transit delivering parcels for a client every day is another. The second is carriage for third parties and falls outside an ordinary van insurance as long as it has not been declared.
What you carry is never insured under the vehicle policy. For the load, tools and materials, separate goods in transit insurance is needed. That applies to all vans and is set out on the page about the Volkswagen Crafter.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Which Transit is on your registration
The Courier, Connect, Custom and the large Transit differ in mass, payload and drive. If the wrong variant is declared, the basis of calculation is wrong and after a claim the insurer can rely on Article 7:928 of the Dutch Civil Code on the duty of disclosure; Article 7:930 of the Dutch Civil Code then gives it room to pay proportionately less. So take the details literally from the registration document.
Own transport or transport for a client
If you take materials to your own jobs, that is own transport. If you deliver consignments for a parcel service or a wholesaler, that is professional carriage of goods with many more stops, more loading and unloading and a higher claims profile. Insurers only accept that where it has been declared in advance. If you do not state it and something happens during a delivery round, the cover is open to question.
The crew in the double cab
Many Transits are driven with a double cab and colleagues in the back. Third-party cover pays for injury to occupants of the other vehicle, but not to the driver themselves; occupants' indemnity insurance is needed for that. If an employee drives, you as the employer are liable under Article 6:170 of the Dutch Civil Code and Article 7:611 of the Dutch Civil Code requires you to arrange proper insurance for employees who take part in traffic for their work.
What is excluded
Not covered are: the load and the tools in the load space, wear and mechanical defects such as a failed clutch or turbo, damage while driving without a valid entitlement, and damage caused by loading above the permitted mass. An undeclared conversion to carrying passengers falls outside it as well. Article 7:952 of the Dutch Civil Code excludes intent and recklessness, including driving under the influence.
What does your premium depend on?
Variant and permitted maximum mass. The Courier, Connect, Custom and the heavy Transit fall into different weight classes with their own rate.
Nature of use. Own transport, delivery for third parties or commuting are each assessed differently.
Annual mileage. Vans with a fixed delivery round cover far more kilometres than one that only goes to jobs.
Number and age of the drivers. If staff travel in it, the youngest regular driver counts towards the assessment.
No-claims years and the registered owner. In a company's name, no-claims years work differently from a private policy.
Cover and excess chosen. Third-party liability, third-party fire and theft or comprehensive, with an excess that applies to each event.
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.
Only as long as the permitted maximum mass stays within the limit for a category B licence. The heavy variants and a combination with a trailer quickly exceed it. If you drive without the correct entitlement, own-damage cover lapses and the insurer recovers the other party's loss from you, even though that party remains protected by the WAM.
Do I have to declare delivery work separately?
Yes. Carrying consignments for a client is a different risk from driving to your own jobs: more stops, more loading and unloading and more town traffic. Insurers have their own acceptance and rate for that. If you do not declare it and damage occurs during a delivery round, the payout can be reduced or refused.
What if I fit a second row of seats?
The vehicle then changes from a van to passenger carrying and the declaration on the policy is no longer correct. A conversion changes the fitting out on the registration and sometimes the tax status. Report a change of that kind before you take to the road with it; otherwise, if occupants travelling in it are injured, there is no basis on which to pay that loss.
Am I liable as an employer if staff cause damage?
Yes. Article 6:170 of the Dutch Civil Code places liability for the mistakes of subordinates with the employer. You cannot simply recover that loss from the employee: Article 7:661 DCC only allows that in cases of intent or wilful recklessness. So you may not deduct the excess from wages as a matter of course without a valid written agreement.
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.
