Liability
- Cables and pipes
- Damage to buildings
- Injury to bystanders
Insuring a Kubota
Compact plant is operated by many different people and regularly goes out with a hirer or an agency worker, and it is precisely that changing operation which determines how your policy should be set up.
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- 9.5 customer rating for a new policy
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- Personal 072 - 509 24 56, weekdays 9–17
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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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Kubota is strong in compact plant: mini excavators, compact wheel loaders and compact tractors. Machines like these are used by landscapers, grounds maintenance firms, local authorities and small contractors, and they are rarely operated by one regular driver. An agency worker, a trainee, a colleague standing in for a moment: who is in the seat is a genuine question of cover in this segment, whereas with heavy plant it is usually a fixed, certified operator.
Hire comes on top of that. Compact plant is often handed over to third parties without an operator. At that moment your machine is outside your supervision and different rules apply. Insurers cover hire without an operator only if you have declared it, and they require agreements on who bears the damage and what excess applies to the hirer.
Also, a compact tractor with a mowing deck or flail mower is a different matter from an excavator: the risk lies not in what you drive into, but in what the machine throws out.
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Kubota: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Own-damage cover
Damage to and theft of the machine, including inherent defect.
- Theft and vandalism
- Fire and storm
- Inherent defect and operating error
Downtime and transport
What comes into play with breakdown and transport.
- Business interruption during downtime
- Transport to the site
- Hired plant
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
Four points that make the difference between a policy that pays out and one that does not.
Instruction for changing operators
After a loss, insurers ask who was operating the machine and what instruction that person had been given. For regular employees that is usually in order. For hired-in and agency workers often not. Record for each person that instruction has been given and on what. Bear in mind that in principle you cannot recover the loss from your employee: Article 7:661 of the Dutch Civil Code limits that to intent or wilful recklessness. The bill therefore stays with your business and your policy.
Hire without an operator is a separate question of cover
If you hand a mini excavator over to a customer, someone else operates your machine at a place you do not know. A policy tailored to your own use excludes hire. Declare it and set out in the hire contract who bears the excess, what happens in the event of theft and whether the hirer holds their own liability insurance. Damage caused by a hirer who used the machine incompetently is a recurring ground for refusal.
Operating error yes, recklessness no
Comprehensive own-damage cover usually also pays for damage caused by an operating error: turning too sharply, the boom against a wall, driving into a hole. The limit lies at Article 7:952 of the Dutch Civil Code, which excludes intent and recklessness. Leaving a machine on a slope without lowering the bucket, or carrying on while a warning light is on, is placed in that category. Operating without the required competence also gives the insurer grounds to refuse.
Mowing: the risk is what flies out
A compact tractor with a flail mower or mowing deck works on verges, farmyards and municipal green space. Stones, wood or metal thrown up cause damage to parked cars, windows and passers-by, even at some distance from the machine. That is liability claims, not own damage. Consider whether your cover includes this kind of flying-debris damage, because some policies apply a restriction here. Damage to the mowing deck itself caused by a hidden obstacle often falls under wear and tear and operational damage.
Repairs and parts
Parts are readily available and repair costs are lower than for heavy plant.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
Frequently asked questions
This is what people ask us most.
May an agency worker operate my mini excavator?
That is permitted, but you must be able to show that instruction was given and that the person was suitable for the work. Insurers ask about this after a loss. Recovering from the individual afterwards is barely possible: Article 7:661 of the Dutch Civil Code limits that to intent or wilful recklessness. The loss therefore stays with your business and your policy.
Is the machine insured when I hire it out?
Only if hire without an operator has been declared on the policy. Cover tailored to your own use excludes it. Also set out in the hire contract who bears the excess and what happens in the event of theft. Damage through incompetent use by a hirer is a common reason for refusal.
Does the insurer pay for an operating error?
Usually yes, if inherent defect and operating error are included in the own-damage cover. The limit lies at Article 7:952 of the Dutch Civil Code: intent and recklessness are excluded. Carrying on with a warning light on, or leaving the machine unattended with the bucket raised, is placed in that category, as is operating without the required competence.
Who pays for a window broken by a thrown-up stone?
That is liability damage and does not run through the machine's own-damage cover. In mowing work along roads and car parks this is the most common type of claim, so check whether your policy includes flying-debris damage and up to what limit. Damage to the mowing deck itself caused by an obstacle usually falls under operational damage and wear and tear.
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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. Last updated on .
The information on this page is general in nature and is not personal advice.