Business and staff
- Damage during fitting and installation
- Injury on the storage site
- Employers' liability
- Financial loss falls outside it
Storage · installation work · test drives
Garage insurance for motorhome businesses
Motorhome businesses work with high-value vehicles that often stand idle for months. Storage, installation work and gas systems call for different arrangements from those of an ordinary garage.
- 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: Garageverzekering voor camperbedrijven.
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 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
Motor trade insurance (garageverzekering) for a motorhome business arranges two things at once: your business's liability for injury and damage to other people's property, and the motor vehicle cover for motorhomes you move or drive in the course of your business. That second cover is needed because every motor vehicle is subject to the compulsory insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM), even for a short move to the wash bay or a test drive with a customer.
With motorhomes, three risks of their own are added. First, the value per vehicle: a single motorhome often represents the value of several cars, which sets the limits for the vehicle cover. Second, storage: winter storage means you have customers' property in your care for months on end, with requirements on the site, fire compartmentation, batteries and supervision. Third, work on activities gas systems, electrics and fitted equipment, where the fire risk and the liability are greatest.
It is important that the business activity on the policy matches what you actually do. Trading, servicing, fitting, hire and storage are each a different risk. See also the commercial motor trade insurance for the body, per component.
What does motor trade insurance for motorhomes arrange?
The cover falls into liability, the road risk and the vehicles standing with you.
Moves and test drives
Cover for motorhomes you drive in the course of the business.
- A test drive with or without the customer
- Trade plate
- Licence requirement above 3,500 kg
- Height and manoeuvring damage
Stock and storage
Customers' motorhomes and your own stock on your site or in your building.
- Winter storage of customers' motorhomes
- Fire, storm and theft
- Requirements on the site and supervision
- Maximum number of objects
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A collision on a test drive in a customer's motorhome | Yes | Yes |
| Injury to a customer on the storage site | Yes | Yes |
| Fire in the storage shed | Provided that | Yes |
| Theft of a stored motorhome outside opening hours | No | Provided that |
| Redoing defective installation work | No | No |
| The customer's belongings left behind in the motorhome | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Four points for motorhome businesses
With motorhomes these four subjects determine whether the policy actually pays.
Storage is a risk in its own right, not a side issue
Anyone offering winter storage has high-value vehicles in their care for months. Insurers impose requirements: a secured site or building, fire separation, supervision, a maximum number of vehicles per compartment and rules on charging and storing batteries. Whether gas bottles may be left in place is often regulated as well. Set out in your storage agreement what the customer must remove and whether they keep their own motorhome insurance in force; double cover does not mean a double payment.
Gas, electrics and fitted equipment are the heaviest liability exposures
Work on a gas system, on lithium batteries, on an inverter or on solar panels carries a real fire and injury risk. Insurers require the work to be carried out to the applicable standards by demonstrably competent staff, and require you to check installations afterwards and record that check. Hot work such as welding and grinding call for precautions agreed in advance. If they are missing, a declined claim is a real prospect. Keep job sheets, inspection reports and evidence of the materials used.
Driving licence, dimensions and the class of drivers
Motorhomes above 3,500 kg maximum permitted mass require a category C1licence. If an employee drives without the correct entitlement, cover lapses. On top of that, height and manoeuvring damage is a classic: a roof vent or awning against a workshop door. Record who may move motorhomes and under what instructions. Report it too if you start hiring vehicles out on a regular basis: hire is a different use and does not fall under a policy based on trading and servicing.
What falls outside the cover
Excluded are, among others: the customer's personal belongings left in the motorhome, damage from soil contamination, for which separate environmental damage insurance is needed, and the cost of redoingyour own defective work. Also outside the policy: driving without a valid licence or under the influence, taking part in competitions, and damage from wear, damp or deferred maintenance to the bodywork. Fines are not insurable and intent or wilful recklessness is excluded under Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
- Business activity: trading, fitting, servicing or storage
- Turnover and payroll: the usual bases for calculation
- Value and number of vehicles: motorhomes weigh heavily per unit
- Storage capacity: indoors, outdoors and fire separation
- Security and supervision: fencing, cameras, key management
- Claims history: previous fire and theft claims
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
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.
Frequently asked questions
This is what people ask us most.
Are customers' motorhomes insured while in storage?
Only if you have taken out vehicle or storage cover for them. The liability cover pays only where you are liable, for example where you have demonstrably fallen short. Fire or theft without fault on your part does not come under it. Agree with customers whether they keep their own motorhome insurance in force and record that in the storage agreement.
What if a customer's belongings disappear from the motorhome?
Personal belongings left in the motorhome are usually outside the cover. Include a term in your storage conditions that valuables must be removed and that you do not store contents. Record what is present when you take the vehicle in and have the customer sign for it. That prevents disputes later.
May my mechanic drive a motorhome of more than 3,500 kg?
Only with a category C1 licence. If someone drives without the required entitlement, that is an exclusion on virtually every motor policy and the loss stays with you. Record for each employee which categories they may drive, check validity periodically and restrict the moving of heavy motorhomes to those employees.
Does anything change if I start hiring motorhomes out?
Yes. Hire is a different described activity from trading or servicing, with its own risk profile and its own conditions on drivers, deposits and use abroad. Report it before you start. If you hire out without notifying the insurer, that engages the duty of disclosure under Article 7:928 of the Dutch Civil Code and the payment can be reduced or refused under Article 7:930 DCC.
Do I need other cover besides motor trade insurance?
Usually yes. Think of business contents and goods insurance for tools, lifts and parts, buildings or tenant's improvements cover for the premises, business interruption insurance for a shutdown after a fire, and environmental damage insurance for soil contamination. Those risks do not fall under motor trade insurance and are regularly overlooked in motorhome businesses.
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Is your motorhome business properly insured?
Request a quote without obligation. We review the described activities, the storage requirements and the limits per vehicle.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.