Liability
- Gas and water pipes in gardens
- Damage to the customer's property
- Injury to bystanders
Insuring a Kubota
Kubota mini excavators, compact tractors and wheel loaders often change operator and location; the policy must explicitly cover hire, agency workers and transport on the trailer.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
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- Help with claims
In brief
In the Netherlands Kubota is best known for its mini excavators, from the 1.9-tonne KX019 to the 8-tonne KX080, the compact tractors of the B and L series, the compact wheel loaders of the R series and the ride-on mowers for professional grounds maintenance. As an indication, a new KX019 costs € 25,000 to € 35,000 and a KX080 around € 100,000. These are machines for landscape gardeners, grounds maintenance companies, municipalities, paving contractors and small builders, and they are often hired out through DIY stores and plant hire companies.
That determines the risk profile. A mini excavator is operated by the owner, by an agency worker, by an apprentice and sometimes by a private hirer with no experience. It goes on a trailer behind the van to a garden in a residential area, where gas and water pipes lie thirty centimetres down and the neighbours' fence stands half a metre away. Theft is the biggest own-damage risk in this class: a two-tonne mini excavator stands in a front garden overnight and fits on any trailer.
Plant and machinery insurance (werkmaterieelverzekering) for a Kubota covers liability for damage to others, own-damage cover (casco) for damage to and theft of the machine, and as extensions downtime cover and transport. We build the policy around actual use: who operates it, whether the machine is hired out, where it stands at night and how it is transported, and compare several insurers for that.
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Kubota: what is covered?
Cover for a Kubota depends on its value, who operates the machine, whether you hire it out, where it stands at night and how often it is transported on the trailer.
Own-damage cover
Damage to and theft of the mini excavator, tractor or wheel loader itself, including declared attachments such as buckets, earth auger and hydraulic breaker.
- Theft with security requirement
- Tipping over and operating errors
- Declare attachments separately
Downtime and transport
Cost of hiring a replacement machine during downtime after damage, and cover during transport on the trailer behind the van.
- Replacement machine during repair
- Loading and unloading the trailer
- Damage during the journey
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | 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.
What does your premium depend on?
- Type of machine. A mini excavator, a compact wheel loader or a compact tractor with implements each has its own risk.
- Who operates the machine. Permanent staff, hired-in or agency workers, and what instruction has been recorded.
- Hire without an operator. Handing the machine to third parties changes the risk profile and must be declared.
- Attachments. Mowing decks, flail mowers, buckets and forks are assessed individually.
- Type of work. Verge management and roadside grounds maintenance weigh differently from work on a closed site.
- Security against theft. A coded key, immobiliser or tracker on small, easily moved plant.
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.
Why 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.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Six situations from everyday work with compact equipment.
Changing operators and agency workers
A Kubota mini excavator may be operated by three people in one day: the owner, a temp and an intern. Most plant and machinery policies cover any operator working with the policyholder's permission, but some insurers set a minimum age or require demonstrable instruction for machines above a certain weight. An operating error by an inexperienced operator, such as an excavator tipped over on a slope or a boom through a window, is an own-damage claim that can be reduced if recklessness is proven. If the agency worker is injured, employer's liability comes into play. We record in the policy that changing operators are covered and discuss the duty to instruct.
Hire to third parties, with or without operator
Many landscape gardeners and small contractors hire out their mini excavator to colleagues or private individuals in quiet periods. Hire without an operator is excluded by most plant and machinery policies unless expressly included, because the insurer then has no view of who operates the machine. A private hirer who hits a gas pipe or drives the excavator into the pond causes damage that, without a hire clause, is at your expense. Plant hire companies take out a specific hire policy for this, with an excess that is passed on to the hirer. If you hire out occasionally, we include a hire clause; if you hire out structurally, we advise hire cover with hire terms and conditions.
Pipes and cables in gardens and along the street
When digging a pond, a foundation for a fence or a trench for drainage in a private garden, the domestic gas, water, electricity and fibre connections lie at shallow depth and are often not precisely documented. A damaged gas connection leads to evacuation and repairs by the network operator; damaged fibre leads to a claim from the provider. The liability section covers this damage, but even in a private garden a KLIC notification is a legal requirement for mechanical digging. If that notification is missing, the insurer may increase the excess or limit cover. We advise a fixed routine: a notification for every job, even in small gardens.
Theft from the front garden and from the trailer
Mini excavators of one to three tonnes are the most stolen plant in the Netherlands. They stand overnight in the customer's garden or on the trailer outside the door and can be loaded within minutes. Insurers set requirements for own-damage cover: an immobiliser or PIN code, a track-and-trace system for machines above a certain value, a locked trailer with hitch lock and wheel clamp, and preferably storage on a secured site. If the machine is stolen without the required security, the payout is reduced or refused. A stolen KX019 is also rarely recovered. We check which security class goes with the value of your machine and whether it can be demonstrated.
Transport on the trailer behind the van
A Kubota goes from one job to the next on a trailer every day. While driving on, the machine can slide off the ramps; during the journey the trailer can tip over or the boom can hit a low bridge. Whether that damage is covered depends on the policy: some own-damage covers include transport on the policyholder's own trailer, others only carriage by a haulier. The trailer itself must also be insured, and the van towing it has third-party liability (WA) cover for damage the combination causes to others. Overloading the trailer or the wrong driving licence can put cover at risk. We include transport explicitly in the own-damage cover.
Attachments and the insured value
A mini excavator works with various buckets, a tilting bucket, an earth auger, a hydraulic breaker or a plate compactor. Together these attachments easily cost € 5,000 to € 15,000, and they are taken along in a theft or lie loose beside the machine. Own-damage cover applies to attachments listed on the policy with description and value; anything not declared is not insured. For the machine itself a replacement value scheme often applies in the first years, followed by current value. A Kubota holds its value relatively well, but after five years and 3,000 operating hours the current value is considerably lower than the purchase price. We update the value and the list of attachments every year.
Frequently asked questions
Frequently asked questions about insuring a Kubota.
Is insurance compulsory for my Kubota mini excavator?
As soon as the machine drives on the public road under its own power, for example from the trailer to the garden across the pavement, the compulsory insurance under the Motor Vehicle Liability Insurance Act (WAM) applies and third-party liability cover is mandatory. A mini excavator that is only carried on the trailer and works on private land formally falls outside that obligation, but liability for a damaged pipe or fence remains. In practice, plant and machinery insurance with liability cover is therefore indispensable.
Is my Kubota covered if an inexperienced employee operates it?
As a rule yes, as long as the operator works with your permission and you as employer have met your duty to instruct. No statutory certificate is required for mini excavators, but the Working Conditions Act (Arbowet) requires the operator to be adequately instructed. In the event of an operating error, own-damage cover pays for the damage; in the case of demonstrable recklessness or a total lack of instruction, the insurer may reduce the payout. Insurers sometimes ask for a minimum age of 18. We record the arrangements about operators in the policy.
What happens if damage occurs while hired out to a private individual?
Without a hire clause, damage during hire without an operator is not covered by most policies, neither the own damage nor the liability damage. You can hold the hirer liable, but with a private individual who has slid the excavator into the pond that rarely succeeds. With a hire clause or a specific hire policy, the damage is covered subject to a higher excess, which you can contractually pass on to the hirer. We include hire in the application if you do it.
What security does the insurer require against theft?
That depends on the value. For a mini excavator up to about € 25,000, an immobiliser or PIN code and storage on a secured site or in a shed is often sufficient. Above that, most insurers require a certified track-and-trace system. For the trailer, a hitch lock and often a wheel clamp are required. If the machine stands overnight in the customer's garden, some insurers require an extra notification or will not accept own-damage cover. We obtain the requirements from the insurer in advance.
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About our service
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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This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.