Shows and meetings · bodywork and chrome · valuation
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.
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
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.
The structure of the cover in three parts, with an overview per situation below.
The basis of value
Own-damage cover on an agreed value
The truck including everything you have added to it.
Chrome and lighting
Paintwork and interior
Valid for three to five years
At events
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
Most of the year
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.
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.
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.
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.
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.
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.
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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