Actual value
- Not capped per kilogram
- Regardless of who is liable
- Including freight and costs
Carrying your own goods: what you need to know
Most rejected claims on an own goods in transit policy founder not on the cover but on a clause: the overnight storage, the security or leaving the van unattended.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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In brief
This page is not about what is insured but about the conditions on which that cover applies. Virtually every own goods in transit policy carries clauses that prescribe the user's conduct: where the vehicle stands at night, what security is fitted and whether the load space is emptied after work. A clause is not small print but a condition of cover. If it is not complied with, there is no right to payment for a theft.
The problem is almost never unwillingness. An engineer who stays overnight at a customer every day, a self-employed professional without a garage, a company that has moved to premises without a locked site: practice shifts and the policy runs on unchanged. Article 7:928 of the Dutch Civil Code obliges you to give a correct picture in advance, and Article 7:930 of the Dutch Civil Code governs what happens if that picture was wrong: no payment, or a payment reduced to the proportion in which you should have paid premium.
What falls within the cover in substance, and how you determine the sum insured, is set out on own goods in transit insurance.
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Carrying your own goods: what does the cover require?
The structure of the cover in three parts, with an overview per situation below.
Liability
What a carrier bears at most.
- CMR: 8.33 SDR per kilo
- AVC: € 3.40 per kilo
- Rarely the actual value
Type of cover
From limited to all risks.
- All external perils
- Limited perils
- Storage in transit
What is covered
| Situation | Carriers' liability | Goods in transit |
|---|---|---|
| Damage from an accident, up to the weight limit | Yes | Yes |
| Damage above the weight limit | No | Yes |
| Theft of the cargo | Sometimes | Yes |
| Damage with no identifiable fault | No | Yes |
| Storage during the journey | No | Sometimes |
| Inherent defect or inadequate packaging | No | 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?
- The actual storage situation. A locked shed, a fenced site or a parking space in the street each lead to a different assessment.
- Base and postcode area. Insurers use area classifications for theft risk; where the vehicle spends the night counts in that.
- Level of security on the vehicle. Certified locks, an alarm class or a tracking system can soften a stricter storage requirement.
- Emptying the van outside working hours. Emptying the load space at night lowers the risk and can therefore earn easier conditions.
- Claims history. Previous break-ins or thefts weigh heavily on the premium and on the clauses imposed.
- Excess in the event of theft. For theft a different, higher excess often applies than for other covered events.
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.
Read the storage clause literally
The wording differs from insurer to insurer, and that wording is decisive. One requires a locked space, another a fenced and lit site, and a third imposes the requirement only for the night-time hours. Check whether your situation literally meets the text and not the meaning you give it. A carport is not a locked space, and neither is a drive behind an open gate.
The emptying clause calls for a daily action
Some policies cover theft only if the load space is empty outside working hours, or only up to a limited amount if something is left in it. That is an obligation that has to be met afresh every day. If you cannot or will not do that, choose a policy with a different set-up instead of accepting the clause and hoping it never goes wrong. Record internally who is responsible for emptying the van.
Security requirements must demonstrably have been carried out
If there is a requirement about additional locks, an alarm system or a tracking system, the insurer will want to see the installation certificate after a theft. Keep the invoice and the fitting certificate for each vehicle, and check with a new van that the security has been fitted again. A policy condition that is right on paper but missing from the van is the same as no security when you claim.
After a loss, your file counts
Article 7:941 of the Dutch Civil Code obliges you to report the loss as soon as possible and to give all information that matters. Report it to the police, leave signs of forced entry untouched until the surveyor has been, and supply your inventory with serial numbers. If a police report is missing, or the van turns out to have been unlocked, the insurer moves on to the question whether you contributed to the loss yourself.
Frequently asked questions
This is what people ask us most.
What if I cannot meet the storage requirement?
Say so when taking out the policy instead of chancing it. There are policies with a different set-up, for example with a tracking system or a certified additional lock instead of a locked space. That generally costs more premium, but you do have cover. Otherwise the requirement only turns out to exist at the moment you need it.
What happens if I have failed to declare something?
Then Article 7:930 of the Dutch Civil Code applies. If the insurer would have issued the same policy at a higher premium had you declared correctly, the payment is reduced proportionately. If it would not have accepted the risk at all, the right to payment lapses. Where there is intent to mislead there is no payment and the contract can be terminated.
Do I always have to report a theft to the police?
Yes. Virtually every policy makes a police report a condition for a theft claim, and the insurer will ask for the report number. Report it as soon as possible and make sure the description matches what you tell the insurer. Differences between the two statements raise questions that hold up the file unnecessarily.
Do the clauses also apply to a trailer or a storage container?
Usually not without a separate declaration. The conditions are written for the motor vehicle you carry things in. A coupled trailer, a box truck or a container on site calls for an additional arrangement, in which the insurer may set its own requirements as to locking and siting. Ask about this before you leave materials in one.
Every situation is different. For these situations we have a separate page.
- Compare goods in transit insuranceThe main page
- Own goods in transit insuranceYour own property, tools, overnight storage
- Insuring the transport of your own goodsWhat is included, conditions, limits
- Transport insurance for electronicsHigh value, low weight, theft
- Goods in transit insuranceActual value, route, who insures
- Transport insurance for courier servicesMany consignments, high value, speed
- International goods in transitCMR, multimodal, countries
- Transport insurance for foodstuffsSpoilage, hygiene, rejection
- Transport insurance for refrigerated transportTemperature, recording, spoilage
Read more
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.