Changing drivers · private use · employer's risk
Klaverblad business car insurance
With a car registered to the business, the risk lies not in the vehicle but in who drives it. That is also where the business policy works differently from the private one.
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Deze pagina in het Nederlands: Klaverblad zakelijke autoverzekering.
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 your own premium with the calculator.
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.
In brief
If the registration is in your company's name, an insurer asks not about one regular driver but about your driver policy. Who may drive, is there a minimum age, how long must drivers have held their licence, and is private use permitted? Those answers end up as a clause on the policy schedule and determine what happens if an employee who does not meet them causes damage.
What the car policy does not arrange is the losses of your own driver. Third-party liability cover pays the other party; your employee behind the wheel is not a third party in that context. For employees who take part in traffic for work, an employer is expected under Article 7:611 of the Dutch Civil Code to arrange proper insurance. If you do not and an employee is injured during a business journey, that loss still lands with you. See WEGAS and WEGAM.
Finass Advies acts as an independent broker and sets the range of more than thirty companies side by side; Klaverblad is one of them. For this company's business range see Klaverblad business, for the general structure business car insurance.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four points that lead to argument more often on a car in a company name than the premium does.
The driver clause
Business policies almost always contain a provision about who may drive: a minimum age, a minimum period of holding a licence, and sometimes a requirement that the driver is an employee. If someone who does not meet those causes damage, an an increased excess applies or the own-damage cover lapses. Third-party liability does continue towards the victim under the WAM, but the insurer can take recovery against you.
Private use has to be on paper
If staff may take the car home and use it at weekends, that is a different purpose of use from purely business transport. Declare it. Use that has not been declared touches the duty of disclosure in Article 7:928 of the Dutch Civil Code, with the consequences of Article 7:930 of the Dutch Civil Code: a reduction in the payment in proportion to the premium that should have been paid.
Losses of your own employee
Injury to your driver and damage to their private property fall outside the third-party liability cover on the car policy. That is separate cover, which you can place with the employers' liability. If staff also drive their own cars for work, the same applies, because there is then no company policy covering the vehicle.
From separate policies to one fleet
Above a certain number of vehicles a fleet insurance is usually more practical: one contract, one renewal date and a premium that moves with your own claims experience instead of with a no-claims step per car. We work out both variants before you choose.
What does your premium depend on?
- Number of vehicles on the policy — determines whether separate policies or a fleet is more logical
- Business activity — a service business drives differently from an office organisation
- Driver policy — age limit and length of time holding a licence
- The company's claims history — with several vehicles the collective experience counts
- Annual mileage per vehicle — service vans cover more kilometres than directors' cars
- Private use permitted — increases exposure outside working hours
Insurers weigh these details differently. That is why comparing pays off.
What is covered on a car in a company name
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Your van hits a parked crane while manoeuvring on a building site | Yes | Yes |
| During an attempted break-in the van's sliding door is forced open and bent | No | Yes |
| A customer walks into the open tailgate and breaks their wrist | Yes | Yes |
| The company signwriting has to be reapplied after the side has been repaired | No | Provided that |
| Hail dents four cars standing on your business site | No | Yes |
| A driver delivers meals for payment with the van, which has not been declared | No | No |
The purpose of use stated on the policy schedule determines how these rows work out for your business.
Frequently asked questions
The questions we are asked most often about this.
Does my business build up no-claims years?
With separate policies per vehicle it does: the no-claims step is then in the business's name and applies per registration. On a fleet contract the no-claims scale usually falls away and the premium is determined by the claims experience of the whole. Both systems have advantages and disadvantages; which works out more favourably depends on size and claims history.
What is excluded on a business car policy?
Carriage of persons or goods for payment, such as taxi work or courier work, unless that is expressly insured. Also hire of the vehicle to third parties, driving lessons, and use by a driver without a valid licence or who does not meet the driver clause. Alcohol and drug use and intent are also excluded, the latter through Article 7:952 of the Dutch Civil Code.
Are tools and loads insured?
No. Car insurance covers the vehicle and the liability, not what is in it. Tools, samples and your company's goods should be placed on a own goods in transit insurance. If you carry goods for others, goods in transit or carrier's liability cover is the right route.
My employee drives to clients in their own car. What now?
Your company car policy then provides no cover, because it follows the registration. Liability towards third parties runs through the employee's private policy, but their own injury and the damage to their car do not. Motor accident or WEGAS cover fills that gap and prevents you being held liable as the employer.
Read more
Within Autoverzekering
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