Per vehicle · fitting-out and bodywork · standing idle
Business car insurance through Klaverblad
A business car policy is built up per registration. The mistakes are made not in the type of cover, but in what has been added to the vehicle after delivery.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Zakelijke autoverzekering via Klaverblad.
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 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
For each registration you choose separately a type of cover, an excess and any extensions. That is not administrative fuss but a necessity: a four-year-old service van with a full business fit-out calls for something different from the directors' passenger car. On a depreciated company vehicle, comprehensive cover produces little, because in a total loss you receive the market value and not the replacement value of an equivalent vehicle.
The point where it goes wrong is the fitting-out and bodywork. Business fit-outs, racking, a tail lift, a towbar, roof bars, a chiller unit, equipment fitted and signwriting are not in the list price. If you do not declare them separately, they fall under the standard accessories limit and you receive only a fraction after a claim. Article 7:960 of the Dutch Civil Code provides that a payment is never higher than the loss actually suffered, but the reverse applies just as firmly: nobody pays for what you have not declared.
Finass Advies acts as an independent broker and compares the range of more than thirty companies, including Klaverblad. We place the vehicle where the conditions on these points are sharpest. For vans see van insurance, for vehicles on a commercial registration insuring a vehicle with a commercial registration.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four choices you make per vehicle that make the difference after a claim.
Own-damage cover or not, considered per registration
Set the annual premium for comprehensive cover alongside the vehicle's market value and the excess. On an older company vehicle, third-party liability with third-party, fire and theft is often the wiser choice: it covers fire, storm, broken glass and theft, the events you do not cause yourself. See comprehensive cover for the distinction.
Declare fitting-out and signwriting separately
Have everything fitted after delivery recorded on the policy schedule, with invoices in support. That also applies to signwriting and lettering: after damage to a door the advertising has to be reapplied, and those costs do not automatically fall under the bodywork claim.
Use of a commercial registration
A van on a commercial registration is bound by conditions of use. If the vehicle is used mainly privately or deployed for carrying passengers, that does not match the purpose declared. Declare the actual use. A departure from it touches the duty of disclosure under Article 7:928 of the Dutch Civil Code and with it the size of the payment.
Downtime costs more than the repair
A service van standing in the workshop for a week costs turnover. Replacement transport is an additional section and is not included as standard; watch the maximum period and whether an equivalent vehicle is provided. Loss of turnover itself is covered on no car policy. For that there is business interruption insurance.
What does your premium depend on?
- Type of vehicle and weight: passenger car, van or commercial vehicle with bodywork
- List price plus declared fitting-out: the basis on which own-damage cover is calculated
- Age and market value: determine whether own-damage cover is still worthwhile
- Excess chosen: often adjustable per vehicle
- Replacement transport: an additional section with its own premium
- Where the vehicle is kept outside working hours: a locked site or on the street at the employee's home
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You reverse into a customer's building | Yes | Yes |
| You hit a bollard yourself and the company car's bumper is damaged | No | Yes |
| The car is stolen from the unguarded business site | No | Yes |
| The lettering has to be reapplied after bodywork repairs to a door | No | Provided that |
| The business fit-out in the service van burns out, but is not on the policy schedule | No | No |
| You lose turnover because the service van is in the workshop for a week | No | No |
What has been fitted after delivery only counts if it has been declared with invoices; loss of turnover belongs on business interruption insurance.
Frequently asked questions
This is what people ask us most.
Why does fitting-out have to be declared separately?
Because in underwriting an insurer works from the list price of the standard vehicle. Everything fitted after that falls under the accessories limit in the conditions, and that is modest. A complete business fit-out exceeds that limit by a long way. With invoices on the policy schedule the value is supported and there is no need to argue about it after a claim.
What is not covered on the car policy?
Loads, tools and trading stock in the vehicle, loss of turnover through being off the road, and wear or mechanical defects. Also hire of the vehicle, carriage for payment and driving lessons. Undeclared fitting-out is only paid up to the accessories limit. Damage caused intentionally is excluded by Article 7:952 of the Dutch Civil Code; fines and traffic offences are never insured.
How does claims handling work?
Report the claim as soon as possible; Article 7:941 of the Dutch Civil Code requires this as soon as you reasonably know of it. Complete the European accident statement form together with the other party and do not admit liability. On a larger claim the insurer instructs a loss adjuster. The order of the steps is set out at the claims process for car damage.
Does this also apply to a leased vehicle?
With operational lease the leasing company usually arranges the insurance itself and appears on the policy schedule. With financial lease you are the economic owner and arrange the cover yourself, with the financier as beneficiary in a total loss. See insuring financial lease. Fitting-out on a lease car requires the leasing company's written permission.