Own-damage cover on an agreed value
- Chrome and lighting
- Paintwork and interior
- Valid for three to five years
Insuring a hobby lorry
With a show truck the value lies not in the chassis but in what is on and attached to it. That is precisely the part that appears nowhere on an ordinary policy.
- 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 lorry is a truck you do not use for carrying goods but for shows, meetings, outings and collecting. Insurers accept that as a separate risk, with limited mileage and the requirement that you have another vehicle for everyday use.
You determine the insured value with a valuation. On a show truck, chrome work, lighting, paintwork, a modified interior and air horns often represent more than the truck itself, and none of that appears in any value table.
At events there is also liability: the public walks between the trucks, children climb into the cab and shunting takes place on a crowded site. Check whether the event itself arranges anything and where your own cover begins.
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Hobby lorry: what is covered?
The structure of the cover in three parts, with an overview per situation below.
On the road and on site
Cover during journeys, setting up and while on the site.
- Damage while shunting
- Vandalism on the site
- Theft of accessories
Storage
Where the truck stands when it is not being driven.
- Fire and theft
- A shed or an outdoor site
- The registration can be suspended
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another road user | Yes | Yes | Yes |
| Theft of chrome work or accessories | No | Sometimes | Sometimes |
| Fire or storm in storage | No | Yes | Yes |
| Damage while shunting on a show site | No | No | Yes |
| Modifications that have not been valued | No | No | No |
| Professional transport | 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.
What does your premium depend on?
- Valued amount including modifications: the main basis for calculation
- Year of manufacture and make
- Annual mileage: often capped
- Storage and security
- Number of events per year
- Cover and excess chosen
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.
Without a valuation you get the bare truck
This is the point at which things go wrong with hobby trucks. The list price and market value know nothing of your chrome work, lighting, paintwork and interior. Have a valuer inspect the truck including all modifications, keep the invoices and photograph the whole vehicle. In the event of a total loss that report is the only basis on which payment is made.
Have the truck revalued after every round of modifications
A show truck is never finished. New lighting, a different paint job or a modified interior changes the value immediately, and that is exactly the moment when nobody thinks about the policy. Put revaluation on the list when the work is completed.
Events: who arranges what
At a truck show the public walks between the vehicles. The organiser usually has its own liability cover for the site, but that does not cover what you cause with your own truck. Ask in advance what the event arranges and where your own cover begins; where there is injury, that becomes a long discussion afterwards.
Look at theft of accessories separately
Chrome parts, air horns and lighting are stolen separately, including from a supervised site. Check whether loose accessories are covered and up to what amount; under some policies only damage to the vehicle itself is included.
Frequently asked questions
This is what people ask us most.
Why is a valuation essential here?
Because chrome work, lighting, paintwork and interior appear in no value table. Without a valuation you are paid for the bare truck in the event of a total loss, not for what you have put into it.
How often do I need a new valuation?
After every round of modifications, and otherwise every three to five years. A show truck changes faster than the policy is updated.
Am I insured at a truck show?
For your own truck usually yes, provided the use has been declared. For injury to members of the public your liability cover applies; ask in advance what the organiser arranges.
Is theft of chrome and lighting covered?
Only if loose accessories are covered. Under some policies only damage to the vehicle itself is included; ask about this explicitly.
May I use it for work occasionally?
Not without notifying the insurer. Commercial carriage differs from hobby use and is a ground for refusing payment.
Can I suspend the registration in winter?
Yes. The third-party liability requirement and road tax then lapse. You cover fire and theft in storage with storage cover.
Every situation is different. For these situations we have a separate page.
- Insuring a lorryThe main page
- Insuring a lorry privatelyHobby use, category C licence, limited mileage
- Storage insuranceWinter storage, boat, motorhome or classic car, fire and theft
- Insuring a lorry for private useConversion, valuation, storage
- How do you insure a hobby lorry?Hobby use, valuation, category C licence
- Insuring a lorry as a hobbyEvents, storage, suspend or continue
Read more
Within Vrachtautoverzekering
Similar pages
Ready to compare?
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.