List of events · standing still on the way · area of cover
Own goods in transit insurance with Klaverblad
Two own transport policies can carry the same name on paper and still work out very differently. The difference lies in the events that are named and in the period during which the load stands still.
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Deze pagina in het Nederlands: Verzekering vervoer van eigen zaken bij 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
With transit cover for your own property, the first question is which type of cover you buy. A limited version lists the events: fire, explosion, lightning strike, collision, overturning, leaving the road and theft after a break-in. Anything not on that list is not covered. A wider version pays out for any sudden and unforeseen external event, with a list of exclusions. You only notice that difference when a loss falls just outside it, such as a load damaged by a blow-out rather than by a collision.
The second question is what happens when the carriage stands still. If a load stays in the vehicle overnight while you stop on the way, a consignment waits in a hired interim warehouse, or materials stand on an exhibition site over a weekend, that is storage and not carriage. Some policies include a short period of storage, others exclude it. If the storage lasts longer, separate cover is needed; what that involves is set out under warehousing and storage.
Finass brokers with Klaverblad and compares several insurers objectively. For the property permanently at your business address, look at the business contents and goods insurance; those two policies have to connect without overlap or a gap. For the general workings of this product group we refer you to the page on transport of your own goods.
This page deals with one situation. The full overview is on Compare goods in transit insurance.
What to look out for
Four provisions on which two apparently identical transit policies diverge.
The area of cover is a hard boundary
The policy schedule states where the cover applies. If you make a one-off journey to a trade fair in Germany while it says the Netherlands, that journey is uninsured, even if the loss could have happened here. An extension is usually easy to arrange, but it has to be done in advance. Watch out for countries that are excluded by name as well.
War risks, nuclear reactions and confiscation
Damage caused by armed conflict, riot and terrorism falls outside the ordinary cover. There are separate clauses with their own conditions for that. The same applies to nuclear reactions and to loss because a government confiscates or destroys the load. The latter arises sooner than you think at customs inspections.
Temperature and climate in the load space
Spoilage, drying out, condensation or freezing is counted as part of the nature or inherent defect of the goods and is excluded as standard. Only where failure of a refrigeration or heating unit is expressly included, with requirements as to maintenance and recording, does such damage qualify for payment. See also refrigerated transport.
Sum insured per event, not per year
The sum generally applies per journey or per vehicle. If three vehicles are on the road at once, what is in one vehicle counts, not the total. Choose the amount on the basis of the heaviest load that occurs. A sum that is too low leads to proportionate payment; one that is too high yields nothing extra, because Article 7:960 of the Dutch Civil Code prohibits payment above the actual loss.
What does your premium depend on?
- Type of cover chosen: named events or wide cover
- Sum insured per vehicle: based on the most heavily loaded journey
- Time spent standing still on the way: overnight stops and interim storage raise the risk
- Area in which you drive: urban areas, rural areas or international
- Security of the load space: a closed body, additional locks and an alarm
- Number of journeys a year: the exposure on which the premium is calculated
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Named events | Extensive cover |
|---|---|---|
| The box truck burns out on the hard shoulder and the load is lost | Yes | Yes |
| A blow-out causes the load to topple over without any collision being involved | No | Yes |
| Thieves force the tail lift overnight at the hotel where you are staying on the way | Provided that | Provided that |
| The consignment stands for a week in a hired unit and that unit floods | No | No |
| Customs confiscate the load during an inspection | No | No |
| The refrigeration unit fails and the load spoils before it is unloaded | No | Provided that |
As soon as the carriage is interrupted, the storage provisions apply; have multi-day journeys expressly recorded.
Frequently asked questions
This is what people ask us most.
Is my load covered while the vehicle stands at a hotel overnight?
That depends on the storage provision. Some policies include a short interruption, often with the requirement of a guarded or locked site and a maximum number of hours. Others let the cover end as soon as the carriage is interrupted. If you make multi-day journeys, have this expressly included rather than relying on it.
What does cover on named events mean?
Only the causes listed in the conditions are covered, such as fire, collision or theft after a break-in. Damage from a cause that is not on that list stays for your account, however unforeseen it was. Wider cover reverses this: everything is covered except what is excluded. The difference in premium is usually smaller than the difference in outcome.
Does damage to the packaging count?
Only if the packaging itself has value and is included in the sum insured, for example with returnable crates or special transport cases. Damaged packaging where the contents remain undamaged is generally not paid for. If the contents have become unsaleable because of damaged packaging, state that expressly when you report the claim.
How quickly do I have to report damage in transit?
As soon as reasonably possible; Article 7:941 of the Dutch Civil Code obliges you to report the loss and to provide the information the insurer needs. Do not have the load thrown away or repaired before the damage has been surveyed, report a theft to the police and keep consignment notes and photographs. Reporting late can prejudice the insurer and affect the payment.
Read more
Within Compare goods in transit insurance
- Compare goods in transit insurancethe main page
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