Transport of your own goods through Klaverblad
The name of this cover is also its main restriction: it applies to your own property. What you collect from a customer to repair is not that.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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- Several insurers
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- Help with claims
In brief
Klaverblad has cover for the transport of your own goods: goods that are your property and that you move with your own vehicles. Finass brokers with Klaverblad and sets the conditions objectively alongside those of more than thirty other insurers. The comparison here is rarely about the list of events, because those are similar, but about which items the policy treats as 'your own'.
That is not word play. A service company takes a faulty appliance back to the workshop, a furniture maker collects a cabinet to restore, a removals company drives someone else's household contents. In all those cases the load is not yours. It comes under the duty of care you owe for other people's property, and property that you have in your care is excluded on a public and employers' liability insurance by the care, custody and control exclusion. Anyone who drives in both directions therefore needs two covers: one for the outward leg and one for the return.
If you do carry for third parties as a business, your position is that of a carrier and your liability is assessed under the carriage conditions you agreed. That liability is limited by weight and rarely provides full compensation. For consignments with a high value per kilo, goods in transit insurance on the goods themselves is the better route. An overview of this company's offering can be found under Klaverblad.
This page deals with one situation. The full overview is on Compare goods in transit insurance.
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Goods-in-transit insurance
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Get coveredWhy 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.
What to look out for
Four questions that determine whether damage to the load belongs on this policy.
Who owns the load at the moment of the loss
Establish for each journey who the owner is. Materials you have bought and not yet delivered are yours. A consignment paid for and delivered to the customer that you are only transporting is not. If your terms state that ownership only passes on payment, that moment shifts. That single sentence determines which policy the loss falls under.
Items being repaired or worked on
Appliances, machines or furniture belonging to customers that you collect come under care, custody and control. They are excluded on liability insurance and they do not belong on own goods in transit cover. There is separate care, custody and control cover, or cover for property in your keeping, for this. Arrange it in advance, because for service companies this is the most common rejection.
Packing, stowage and securing
Damage caused by unsound packing or insufficient securing is excluded, even where the trigger was a covered event. If an unsecured cabinet topples over during an emergency swerve, the swerve is not the cause but the absence of the ratchet strap. If in doubt, photograph how the load stands before you drive off.
Events outside the carriage
The cover runs from taking up to delivery. If the load stands longer in interim storage, a garage or a hired unit, that period usually falls outside it and you need storage cover. Inherent defect, spoilage and normal wear and tear of the goods themselves also remain excluded, as does loss of value without identifiable damage.
What does your premium depend on?
- Sum insured per journey: the highest value on the road at any one time
- Type of goods: building materials, furniture or equipment
- Number and type of vehicles: a closed box truck, an open bed or a trailer
- Frequency of journeys: daily journeys or occasional carriage
- Area of cover: the Netherlands, the Benelux or wider Europe
- Excess chosen: per event, often separately for theft
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Own transport | Liability |
|---|---|---|
| The kitchen units you bought are damaged in a collision on the way to the job | Yes | No |
| A washing machine you collect from a customer for repair falls off the tail lift | No | No |
| Tools are stolen from the closed box truck after a break-in | Provided that | No |
| While unloading you damage the client's drive | No | Yes |
| Materials the customer has already paid for and that you are only delivering burn out in the van | No | Provided that |
| An unsecured cabinet topples over during an emergency swerve | No | No |
The question of ownership at the moment of the loss determines which policy the claim belongs on.
Frequently asked questions
This is what people ask us most.
I collect appliances from customers. Is that own transport?
No. Those appliances remain the customer's property and are in your keeping. If you damage them on the way, you are liable to the owner, but liability insurance excludes damage to property in your care. For that you need separate cover for third-party property in your keeping, with its own sum insured.
What if I drive both for myself and for clients?
Then two regimes run alongside each other and one policy is not enough. For your own goods, own goods in transit cover is enough. For carriage on behalf of others, your liability is assessed under the agreed carriage conditions. State on the application how the two are balanced, because that determines acceptance and premium.
Does the cover apply during loading and unloading?
Usually yes, provided the loading and unloading is done by or under the supervision of the insured and is directly connected with the carriage. If a pallet falls off the tail lift, that is covered. If it happens hours later while things are being installed at the final destination, the carriage has already ended. Read on the policy schedule exactly where the start and end moments lie.
Do I have to report a change in my goods?
Yes. If you start carrying substantially different or much more valuable items, report it before the first journey takes place. The duty of disclosure of Article 7:928 of the Dutch Civil Code applies when the insurance is taken out, and Article 7:930 DCC governs what happens if the insurer would have imposed different conditions, or would not have accepted the risk, had the information been correct.
Every situation is different. For these situations we have a separate page.
- Compare goods in transit insuranceThe main page
- Goods in transit insurance for agricultural businesses through Avéro AchmeaHarvest, low-loader, heating and spoilage
- Goods in transit insurance through Avéro AchmeaMoving house, packing it yourself, storage period
- Transit insurance for self-employed professionalsYour own property or freight, the van as storage, capacity
- Own goods in transit insurance through a.s.r.Your own property, overnight clause, loading and unloading
- Insuring the transport of your own goodsWhat is included, conditions, limits