Third-party liability
- Damage to property and injury to third parties
- No cover for your own vehicle
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Only lapses once the registration is suspended
Insuring a lorry as a hobby
Anyone who drives a truck as a hobby mainly uses it during the season: truck runs, shows and trips for maintenance. That pattern of use calls for a policy designed around it.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
A hobby truck stands idle for most of the year. Even so, there is risk during those months: fire in the shed, theft of parts, storm damage to the roof. In summer the risk shifts to the road and to event sites, where a lot of manoeuvring and large crowds come together. A good hobby policy takes both periods into account.
The statutory basis remains unchanged: Article 2 of the WAM requires third-party liability cover as long as the registration is in your name and has not been suspended, even if the vehicle is not driven. If you want to reduce your fixed costs, you can have the registration suspended. Do not cancel the insurance in that case, but keep at least third-party, fire and theft cover or storage cover running; otherwise the vehicle stands uninsured in the barn.
When taking part in events, watch the small print. A truck run or classic vehicle show is usually not a problem, but as soon as speed, skill or pulling power is involved — tractor pulling, gymkhana, timed runs — you end up in the exclusions. Carrying passengers in the cab or on the load floor also has limits that differ from policy to policy.
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Which cover suits hobby use?
Three forms of cover, with the situations that most often arise with a hobby truck set out beneath them.
Third-party liability + fire and theft
Alongside third-party liability, the risks that persist during winter storage.
- Fire, explosion and lightning strike
- Theft of the vehicle and parts
- Storm and hail damage in the shed
- Damage you cause to your own vehicle stays at your expense
Comprehensive cover on an agreed value
Own damage as well, with a value agreed in advance instead of the market value.
- Manoeuvring damage at an event site
- Agreed value under 7:960 DCC
- Premium discount for limited mileage
- An excess to be agreed with you
What is covered
| Situation | Third-party liability + fire and theft | Comprehensive |
|---|---|---|
| Damage you cause to someone else with the lorry | Yes | Yes |
| Fire or theft during winter storage | Yes | Yes |
| Manoeuvring damage at an event site | No | Yes |
| Taking part in a truck run on the public road | Yes | Provided that |
| Taking part in tractor pulling or a skill trial | No | No |
| Damage to belongings or a load being carried | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Agreed value: established by an expert
- Kilometres per year: hobby use means low mileage
- Storage location: a locked shed counts in your favour
- Age and experience of the driver: and the number of drivers
- Taking part in events: type and frequency
- Type of cover and excess: third-party liability, third-party, fire and theft, or comprehensive
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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.
What hobby drivers run into
Four practical points that make the difference between being paid and not being paid with a hobby truck.
Events: what is still driving and what is a competition?
Taking part in a truck run, classic vehicle outing or show on the public road usually falls within the normal cover, as long as there is no driving against the clock or for speed. As soon as a competitive element is added — tractor pulling, skill tests, timing or driving on a closed circuit — the exclusions bite. Organisers sometimes take out separate event cover for this, but do not assume that blindly. Ask the organisation in writing what has been arranged and put the arrangement to your own insurer in advance.
Storage: the risk does not stop when the vehicle is stationary
Fire in a shed, theft of batteries, catalytic converters or copper pipework, and water damage after a leaking roof are real risks during winter storage. Insurers therefore often impose requirements on the storage location: a locked, sound building, no open storage, sometimes no fire-hazardous work in the same space. If such a requirement is in your policy and you do not meet it, the insurer can rely on it. Do not store the vehicle at a third party's premises either without reporting it.
Suspend or keep running
Suspending the registration lifts the insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM) and saves road tax, but the vehicle may then not come onto the public road, not even for a short test drive. If you opt for suspension, keep the own-damage cover running or ask for storage cover. If you do drive with a suspended registration, you are uninsured for WAM purposes and the Waarborgfonds Motorverkeer can recover the loss from you. Report the end of the suspension before your first journey.
What is not covered
The following, among others, are outside the cover: taking part in competitions, pulling trials and skill trials; carriage for payment or carriage of goods for a business; wear, corrosion and mechanical defects without an external event, including damage arising while working on the vehicle or running the engine in the workshop; and the load and belongings carried, which do not fall under the own-damage cover. Driving without the required C1 or C licence and driving under the influence lead to loss of cover, and intent and recklessness are excluded under Article 7:952 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
Am I insured during a truck run?
On a run over the public road without timing or a competitive element, your normal cover usually simply applies. If driving takes place on a closed site or if skill or speed is involved, the exclusions bite. Ask the organiser what is insured and put the arrangement to your own insurer in advance. Written confirmation is worth more than a verbal assurance.
May I carry passengers in the cab?
Occupants are protected as third parties under the WAM for damage you cause, but the driver is not. Some policies limit the number of occupants or set requirements for belts and seats. Carrying people on the load floor is almost always excluded and is not permitted in any case. If you want to protect the driver, accident or occupants' insurance is needed.
What does suspension cost me in terms of cover?
Suspension removes the third-party liability requirement under Article 2 of the WAM, but not the risks of fire, theft and storm while in storage. So do not cancel the policy, but ask for storage cover or keep third-party, fire and theft cover running. If you do take to the road with a suspended registration, you are uninsured and the Waarborgfonds Motorverkeer can recover third-party losses from you.
Is damage caused while working on the vehicle covered?
Usually not. Damage arising during maintenance, restoration or running the engine is not the result of an external event and therefore falls outside the own-damage cover. If a fire is caused by welding work, there is the further question whether the policy conditions permit fire-hazardous work in the storage building. Arrange that in advance and take measures such as having an extinguisher and keeping watch afterwards.
How often do I need a new valuation?
Under the policy conditions, a valuation report under Article 7:960 of the Dutch Civil Code almost always has a limited period of validity. If the report expires, you fall back on market value in the event of a claim, which works out badly with a restored vehicle. Have the vehicle revalued after a major restoration or after a clear rise in market value, and keep the report with your policy.
Every situation is different. For these situations we have a separate page.
- Insuring a lorryThe main page
- Private lorry insurance: what are your options?Private use, forms of cover, suspend or keep insured
- Insuring a privately owned lorryPrivate ownership, classic or modern classic, valuation
- Insuring a lorry for private useRegistered privately, the line with business use, use clause
- How do you insure a hobby lorry?Hobby use, valuation, category C licence
- Types of lorry insurance: which categories are there?Vehicle cover, load cover, liability
- Insuring a lorry in driving licence category CC1 and C licences, above 3,500 kg, cover and recovery
Read more
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Insuring a hobby truck?
Request a quote without obligation. We look at storage, events and valuation and compare both the premium and the conditions.
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.