Insuring a light quadricycle (brommobiel) for deliveries
Delivering with a light quadricycle (brommobiel) is professional use: either it is on the policy or it is not, and that difference decides every claim.
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A delivery vehicle makes dozens of short journeys in a day, stops each time in an awkward place and drives under time pressure. That produces a different claims pattern from commuting: many small collisions while merging and reversing, damage to mirrors and doors, and a raised risk of theft because the vehicle is regularly left unattended for short periods. Insurers apply a separate risk class for this.
What you state about the use comes under Article 7:928 of the Dutch Civil Code. If you are in fact delivering meals or parcels while the policy says private use, the insurer may reduce or refuse payment after a loss under Article 7:930 of the Dutch Civil Code. That applies even where the damage arose during a private journey: what is assessed is whether the insurer would have issued the same policy had the correct information been given.
If you employ delivery riders, employers' liability comes into it as well. If you deliver with a larger vehicle, see the business van. For works versions without a delivery function, the van version of a light quadricycle the starting point.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Delivery is a separate risk class
For an insurer, the number of stops per hour is the most important yardstick. So do not just report that you deliver, but also in which area, at which times and with how many vehicles. Pizza delivery in a city centre during the evening is assessed differently from a pharmacy run through a village. Not every insurer accepts this use; the market is narrower than for private use.
Changing drivers and staff
In delivery work, one fixed person rarely does the driving. State the range of drivers and note the age limit insurers set. If the delivery riders are employed by you, the duty of care under Article 7:658 of the Dutch Civil Code applies and you are liable for the damage they cause to third parties under Article 6:170 of the Dutch Civil Code. For injury to the delivery rider themselves in traffic, occupants' cover or motor accident cover is the appropriate instrument.
The goods delivered are not insured
Meals, parcels, medicines or shopping are load and fall outside every vehicle cover, including comprehensive cover. If the consignment is lost in a collision or stolen from the vehicle, the motor policy pays for the vehicle and nothing for the contents. If you want to cover that, goods cover or own-goods-in-transit cover is needed; also look at what your client places on you by contract.
What is not covered
Outside the cover are: the goods delivered themselves; delivery that has not been declared as a form of use; hiring out the vehicle to the rider or through a sharing platform without permission; driving without an AM licence; traffic fines and additional assessments; theft where the key was left in the ignition during a delivery; and damage through intent or wilful recklessness, see Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
Delivery area — A busy city centre sees more collisions and more parking damage than a rural service area.
Number of stops and delivery slots — The more short journeys per day, the higher the claims frequency used in the calculation.
Number of drivers and their ages — A changing group of young riders counts more heavily than one regular experienced driver.
Delivery times — Evening and night delivery carry a different risk from daytime journeys.
Storage outside working hours — Whether the vehicle stands indoors, on a locked site or in the street after closing time.
Type of cover and excess — For delivery work the excess on own-damage cover is often higher and comprehensive cover is not always available.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Yes, this is the most important statement on the policy. Delivery is a risk class of its own and not every insurer accepts it. If you conceal it, the insurer may reduce or refuse payment after a loss under Article 7:930 of the Dutch Civil Code, even where the journey on which the damage arose was not a delivery run. Declaring it in advance costs premium; concealing it costs the cover.
Are the meals or parcels included in the cover?
No. The insurance covers the vehicle, not the load. Damaged or stolen consignments fall outside the cover, including under comprehensive cover. For those goods you take out own-goods-in-transit or goods cover. Also look at what the contract with your client says: platforms often place the risk of a lost order on the rider or the branch.
Am I liable as an employer for my delivery rider?
For damage your rider causes to others during the work you are liable under Article 6:170 of the Dutch Civil Code. For injury to the rider themselves, the duty of care under Article 7:658 DCC applies, supplemented by the rule that an employer must make proper provision for employees who take part in traffic on its instructions. Arrange that with occupants' cover or motor accident cover.
May I hire the vehicle out to the delivery rider?
Hiring out is excluded under practically every standard policy. If you let a self-employed rider drive your vehicle for payment, that is a different form of use from delivering yourself and you need a policy that allows hiring out. Discuss the arrangement in advance; an uninsured hire situation cannot be put right after a loss.
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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