Zakelijk meer
Finass Verzekert vergelijkt onafhankelijk de autoverzekering voor gecombineerd zakelijk en privé gebruik. Wij vergelijken meerdere verzekeraars. AFM-geregistreerd en Kifid-aangesloten.
Zakelijk en privé in één auto
Gebruikt u uw auto zowel zakelijk als privé? Dan is het belangrijk dat uw dekking daarop aansluit — zodat u in beide situaties goed verzekerd bent.
Wij stemmen de dekking af op uw gebruik en kilometrage, en adviseren over WA, WA + Beperkt Casco of Allrisk. Rijdt u met een bestelauto? Dan verzekert u de lading apart met een eigen vervoerverzekering.
Bekijk de verzekeringen
In 1 minuut uitgelegd
Bekijk in deze korte video waar u op moet letten en welke keuzes bij uw situatie passen.
Liever direct sparren? Neem contact op — wij kijken persoonlijk met u mee.
Waarom uw autoverzekering afsluiten via Finass Verzekert?
Als onafhankelijk adviseur vergelijken wij meer dan 30 Nederlandse verzekeraars en kijken we met u mee — geen vergelijkingssite, maar een echte adviseur.
- meerdere verzekeraarsBrede vergelijking voor de beste premie
- Binnen 2 minutenPremie berekend op basis van kenteken
- 100% onafhankelijkGeen voorkeur voor verzekeraars
- Persoonlijk adviesBereikbaar 6 dagen per week
Wat onze klanten zeggen over hun autoverzekering
Klanten beoordelen Finass Verzekert gemiddeld met een 9,5 en de afhandeling van autoschade met een 9,8.
“Binnen een dag overgestapt en €230 per jaar goedkoper. Fijn dat een echte adviseur meekeek in plaats van alleen een vergelijkingssite.”
“Ik twijfelde tussen WA+ en Allrisk. Het advies was helder en eerlijk, afgestemd op de waarde van mijn auto.”
“Als starter betaalde ik overal veel. Hier kreeg ik onafhankelijk advies over de voordeligste verzekeraar voor mijn situatie.”
“Na een aanrijding meteen geholpen en de schade snel afgewikkeld. Prettig dat je een vast aanspreekpunt hebt.”
Al verzekerd en schade?
Meld uw schade direct, of zoek de polisvoorwaarden en formulieren van uw verzekeraar. Bij schade belt u ons het snelst op 072 - 509 24 56.
Road risk · load · plant
What else needs arranging alongside the business car policy
A motor policy insures the vehicle and the damage you cause to others with it. The driver, the load and the equipment behind it are on other policies.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Wat er naast de zakelijke autopolis nog geregeld moet worden.
Calculate your premium or request a quote
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 activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Every vehicle with a registration number needs liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) . That cover pays the other party's loss. What it does not pay is the loss suffered by your own employee who caused the accident. If staff drive for work, Article 7:611 of the Dutch Civil Code brings an obligation to insure that road risk properly. That is done with separate employers' cover; the difference between the versions is set out at WEGAS and WEGAM. Relying on public and employers' liability insurance is no use: it has an exclusion for damage caused with or by motor vehicles.
The second layer concerns what you carry. Own-damage cover repairs the vehicle, not the contents. If you move your own equipment, materials or samples, that belongs on a own goods in transit insurance. If customers' goods travel with you, a goods in transit insurance comes into play. Tools in the van are insured separately, with attention to the overnight provision; see the tools insurance.
The third layer is the equipment itself. A forklift, telehandler or mini digger belongs on plant and machinery insurance, a towed skip or trailer on a trailer insurance. If more vehicles are on the road, a single fleet insurance becomes more practical than a string of separate policies. For disputes about a collision, a repair or a lease contract there is business legal expenses insurance.
This page deals with one situation. The full overview is on Compare car insurance.
Where the gaps fall
Four places where one policy stops and the next has not yet started.
The driver at fault gets nothing
If your employee causes the collision, the third-party liability cover only pays the other party. Their injury and loss of income go uncompensated, and it is precisely for those that they can hold you liable as their employer. Without road traffic injury or employers' cover the business carries that claim itself, even if there was nothing wrong with the car's maintenance.
The load is not part of the vehicle
In an overturning, fire or theft, own-damage cover pays for the bodywork and the fitted-out interior stated on the policy schedule. What was in or on it is excluded: materials, equipment, samples and tools. Also, a poorly secured load that falls off the vehicle and causes damage leads to an argument about blame.
The trailer is a risk object in its own right
As long as a trailer is coupled to the towing vehicle, liability runs through that vehicle's WAM cover. If it comes loose and comes to a stop, or if it is parked, that connection is broken. Own damage to the trailer itself and to what is on it needs its own cover in any event.
What appears on none of these policies
Traffic fines and administrative sanctions are excluded everywhere; they are a punishment, not a loss. Damage caused intent or recklessness falls under the exclusion in Article 7:952 of the Dutch Civil Code. And if someone drives without a valid licence or under the influence, own-damage cover falls away and the third-party liability insurer recovers its payment from the driver.
What does your premium depend on?
- Number and type of vehicles — cars, vans and plant are weighted differently
- Number of employees who drive — decisive for employers' cover on the road
- Value of the items carried — the basis for own transport and tools
- Security and storage — a lockable site and alarm class both count
- Area of cover — journeys outside the Netherlands change the risk
- The company's claims history — with several policies the insurer looks at the whole picture
Insurers weigh these details differently. That is why comparing pays off.
What is covered
| Situation | Motor vehicle policy | Separate cover |
|---|---|---|
| Damage to the other party after a collision with the company van | Yes | No |
| Injury and loss of income of your employee who caused the collision | No | Yes |
| The equipment you were moving between two sites in the van | No | Yes |
| A parked trailer that comes loose and rolls into a wall | No | Yes |
| A forklift that runs into racking on your own site | No | Yes |
| A dispute with the leasing company about the final settlement | No | Provided that |
Go through these rows once a year with your own fleet beside you; the gaps are usually in the cover nobody asked for.
Frequently asked questions
The questions we are asked most often about this.
Why does my public and employers' liability insurance not cover the road?
Because motor vehicles are excluded on virtually every liability policy. The road risk is placed by law with the compulsory WAM cover on the vehicle, and insurers do not want the two systems to overlap. What the WAM cover does not deal with, namely your employee's own loss, belongs on separate employers' cover for road use.
Do I have to insure tools separately if they are always in the van?
Yes. After a break-in the van's own-damage cover pays for the lock and the bodywork, not for the contents. Tools insurance does, but it sets requirements about the circumstances: many policies exclude theft at night if the vehicle was not in a locked space, and require signs of forced entry.
Does a forklift used only on our own site need insurance?
For liability, the question is whether the site is open to the public. As soon as the machine uses even a short stretch of public road, the insurance obligation in Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies. Damage to the machine itself and to items you move with it falls under plant and machinery insurance in any event, and not under a motor policy.
Can I place all of this with one insurer?
Often yes, and it saves administration and arguments about which policy applies. We compare several insurers objectively and look at the conditions for each cover, not just at the bundle. A package is good value as long as the weakest section still matches your real risk; where it does not, a separate policy on that point is wiser.