Registration · changing drivers · employers' liability

Business car insurance through Nationale-Nederlanden

You insure a car registered to the business differently from a car in your own name. The registration determines where the no-claims years land, and who drives determines whether there is cover at all.

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Deze pagina in het Nederlands: Zakelijke autoverzekering via Nationale-Nederlanden.

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.

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

If you register the car in the company's name, the legal entity builds up the no-claims years and not you personally. If you sell the business or stop, you usually cannot take those years with you to a private policy. The reverse applies too: years built up privately often do not transfer to a policy in the company's name. Discuss this before the registration is transferred; correcting it afterwards rarely succeeds. The general product explanation can be found at business car insurance.

The second characteristic of business driving is the group of drivers. On a private policy there is usually a fixed driver. A business car is driven by technicians, agency workers and sometimes a customer. Insurers exclude damage where the driver did not hold a valid licence or was not authorised to use the vehicle. So record who may drive, check licences when people join and repeat that check. Nationale-Nederlanden is one of the companies with which we can place policies of this kind.

The third point touches your role as an employer. If an employee drives for work and is injured, they can hold you liable. The own-damage and third-party liability cover on the car do not solve that. There are separate products for that form of liability, explained at WEGAS and WEGAM and the employee accident insurance.

This page deals with one situation. The full overview is on Compare car insurance.

Points to note
Frequently asked questions
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What to look out for

Four points on which a business car policy differs from the same car in a private name.

An unauthorised or unknown driver

If someone drove without a valid or appropriate licence, or someone who was not allowed to drive under the policy, the own-damage cover lapses and the insurer recovers the loss paid to the other party from the person responsible. Record the issue of keys and keep a record of licences; in a claim that is your only evidence.

Use you have to declare

Courier work, delivery, paid passenger transport, driving lessons and hire are different risks from business commuting. If you do not declare that, the insurer can rely on Articles 7:928 and 7:930 of the Dutch Civil Code and reduce or refuse the payment. If the use changes along the way, report it. A policy runs for years, a business changes faster.

Loads and tools are not included

What you carry is not part of the car. Damaged or stolen tools, sample material or a customer's goods fall outside the car policy and belong on a own goods in transit insurance or tools cover. Also damage to the goods carried themselves during loading and unloading is a separate risk.

Private use of the company car

If the car is also driven privately, at the weekend or by a partner, declare that. Some business conditions limit the cover to business use or to drivers above a certain age. If it is the other way round and you use a private car for work, read insuring a private car for business use.

What does your premium depend on?

Registered keeper and legal form: a sole trader, partnership or limited company each count differently
Number and type of vehicles: from a few cars onwards a fleet comes into the picture
Circle of drivers: a fixed driver or changing staff
Nature of use: sales visits, delivery or carriage for third parties
The company's claims history: the claims burden of recent years counts heavily
Excess per event: often higher than on a private policy

Insurers weigh these details differently. That is where your saving is.

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What is covered

Situation	Third-party liability	Comprehensive
An employee reverses into a lamp post at a customer's premises	Yes	Yes
In the same manoeuvre the tailgate of your own car is damaged	No	Yes
The company vehicle is stolen from the public road at night	No	Yes
A passing forklift truck hits your car on a customer's site	No	Yes
Two cars belonging to your own business collide on your own site	Provided that	Provided that
The wheel arches have rusted through after years of road salt	No	No

From about three cars in the business onwards, one fleet policy is in practice clearer than separate policies per registration.

Frequently asked questions

This is what people ask us most.

Can I use the no-claims years I built up privately for the company car?

Sometimes, but not automatically. Insurers apply their own rules for transferring years between a natural person and a legal entity, and the years can only be on one policy at a time. If you use them for the company car, your private car is left without. Have it worked out in advance what the net effect is rather than discovering it after the transfer.

An employee causes damage after drinking. What now?

Driving under the influence is excluded. The insurer does pay the other party's loss under the WAM, but then recovers it from the driver. Your own car falls outside the own-damage cover. Recovery from the employee is only possible within the limits of Article 7:661 of the Dutch Civil Code, which restricts recovery to intent or wilful recklessness.

We drive vans, does this apply to us too?

The starting points are the same, but the cover is structured differently. A van carries loads and often has fitting-out that has to be insured separately. For that look at van insurance and, if you drive on a commercial registration, at insuring a vehicle with a commercial registration.

From how many cars is a fleet policy more convenient?

There is no statutory limit; insurers each apply their own lower limit. The advantage arises as soon as separate policies start to pinch administratively: one renewal date, one set of claims statistics and adding and removing vehicles without a new application. The balance is set out at fleet insurance.

Within Autoverzekering

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Fleet insurance through Nationale-Nederlanden

Business car insurance through Nationale-Nederlanden

In brief

What to look out for

An unauthorised or unknown driver

Use you have to declare

Loads and tools are not included

Private use of the company car

What does your premium depend on?

Frequently asked questions

Read more

Within Autoverzekering

Similar pages

Also relevant

Service

Business car insurance through Nationale-Nederlanden

In brief

What to look out for

An unauthorised or unknown driver

Use you have to declare

Loads and tools are not included

Private use of the company car

What does your premium depend on?

Frequently asked questions

Read more

Within Autoverzekering

Similar pages

Also relevant

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