Liability
- Collision with a customer's lorry
- Damage to buildings and installations
- Injury to drivers and visitors
Insuring a Ljungby Maskin
Ljungby Maskin wheel loaders often work hard and continuously in recycling, timber and materials handling; fire, downtime and the work site determine the cover.
- several insurers compared objectively
- 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
- Switching arranged
- Help with claims
In brief
Ljungby Maskin is a Swedish manufacturer specialising in medium and heavy wheel loaders, supplemented by material handlers. The loaders are known for their robust build and in the Netherlands are mainly used on recycling yards, at timber processors and composting companies, in ports and for bulk handling. The brand is smaller than the major players, which means the dealer network is limited and specialist parts sometimes come from Sweden.
For insurance, use is what counts most. A wheel loader moving wood chips or shredder waste across several shifts a day runs a higher fire risk than a machine that occasionally loads sand. For such use, insurers ask about fire suppression systems, cleaning of the engine bay and where the machine is parked outside working hours. The value, including large buckets, high-tip buckets or grabs, must also be fully declared.
We insure Ljungby Maskin loaders as construction equipment with liability, own-damage cover and, where needed, cover for hiring replacement equipment. We compare several insurers, because acceptance of a less common brand in heavy use differs from company to company.
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Ljungby Maskin: what is covered?
Cover for a Ljungby Maskin loader depends on the material you move, the operating hours, fire prevention on the site and how long you can absorb downtime.
Own-damage cover
Damage to and theft of the loader, including the buckets and grabs you have declared.
- Fire caused by dust or wood chips
- Tipping over on a slope or stockpile
- Inherent defect and operator error
Downtime and transport
Costs if the loader is idle awaiting parts or has to be moved to another site.
- Hire of a replacement loader
- Transport for repair
- Hired-in equipment during breakdown
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?
- Nature of the waste stream processed. Scrap, wood, biomass or mixed residual waste each carry a different fire risk.
- Fire prevention on the machine. Extinguishing system in the engine compartment, cleaning interval and the record kept of it.
- Where the machine stands after work. Outside at a distance from the storage, or inside the hall next to the material.
- Machine weight and payload. Heavier plant means higher repair costs and more damage in a collision.
- Operating hours and shift work. Continuous operation leaves less room for daily maintenance and cleaning.
- Excess for fire. In this sector a different and higher excess often applies to fire damage.
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 the heavy-duty use of Ljungby Maskin wheel loaders.
Fire on a recycling yard or timber site
Fine dust, paper, wood chips and plastic residues build up around the engine, turbo and exhaust of a wheel loader that works in waste or biomass all day. A small leak of hydraulic oil onto a hot component can then cause a fire that destroys the machine and can spread to storage or buildings. For this use, insurers often ask about an automatic fire suppression system, daily cleaning and a fixed parking spot away from combustible material. We declare these measures in the application.
Parts from Sweden and downtime
Ljungby Maskin has a smaller service network in the Netherlands than the largest brands. For common parts this is rarely a problem, but after serious damage to, for example, a boom, cab or transmission, delivery can take longer. On a handling site where the loader carries the entire logistics operation, every day of downtime means lost turnover. Own-damage cover only pays for the repair. Cover for hiring replacement equipment, with an indemnity period matching realistic lead times, absorbs the downtime.
High operating hours and the sum insured
Wheel loaders in recycling or materials handling clock up many operating hours in a short time. As a result the market value falls, while the replacement value can remain high because of price increases for new machines. If the loader is underinsured, the insurer may apply the average clause to partial damage. Have the sum insured reviewed periodically and list attachments such as large volume buckets, high-tip buckets and sorting grabs separately, as together they can make up a considerable part of the value.
Collisions on a busy site
On a yard where customers' lorries come and go, a wheel loader reverses a lot with a full bucket that restricts visibility. Collisions with a lorry, a site office or a pedestrian are the typical liability claims. Insurers like to see a separate pedestrian route, cameras or reversing detection and clear site rules. If the loader also drives on public roads between two sites, a registration number and motor vehicle cover are needed alongside the equipment policy.
Tyre damage and wear
Sharp scrap, glass and reinforcing steel cause a lot of tyre and rim damage to wheel loaders. On most own-damage policies, tyre damage is only covered if it results from an insured event, such as fire or an accident; punctures and wear from the work are generally excluded. The same applies to gradual damage to the bucket or cutting edges. Those working on such sites often opt for protection chains or solid tyres and budget for wear as a fixed cost.
Theft and vandalism outside working hours
A large wheel loader is less likely to be stolen in its entirety than a mini excavator, but theft of fuel, batteries, lighting and attachments occurs regularly. On remote sites, vandalism is also a risk, such as smashed windows or arson. Insurers ask about fencing, lighting, camera surveillance and whether the machine is locked outside working hours. For higher values a tracking system may be required. Record the measures you have taken, so that you can demonstrate them in the event of a claim.
Frequently asked questions
Questions users of Ljungby Maskin wheel loaders ask us.
Does every insurer accept a Ljungby Maskin wheel loader?
Most equipment insurers accept a wheel loader of this brand, but the use determines the conditions. For use in waste processing, timber or biomass, insurers often ask additional questions about fire prevention and storage. Some companies then apply a higher excess or make a fire suppression system a condition. That is why we compare several insurers before making a proposal.
Is an automatic fire suppression system compulsory?
That depends on the insurer, the value of the machine and the type of material the loader works in. For use in recycling, timber processing or compost, many insurers make a suppression system a requirement or offer better terms if one is fitted. If the system is required and is missing or has not been maintained, fire damage may be excluded. Have the system inspected periodically.
Are large buckets and grabs covered?
Only if they are included in the sum insured or listed separately on the policy. Volume buckets, high-tip buckets and grabs can together represent a considerable amount. Declare them with type and value. Wear to cutting edges and teeth is generally not covered; sudden damage, such as a bucket breaking off in an accident, usually is.
What does it cost to insure a Ljungby Maskin loader?
The premium depends on the sum insured, the use, the fire risk on the site, security, the excess and your claims history. A fixed amount can therefore not be given. As an indication: equipment premiums are often expressed as a percentage of the sum insured per year. After reviewing your situation, we request a premium from several insurers.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
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.