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 situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Own-damage cover on a van pays for damage to the vehicle. Tools, machines, measuring equipment and materials in the load space do not fall under it. Those are business contents and belong on a separate business contents or tools cover. Anyone who, after a break-in, is paid only for the forced sliding door and not for the contents discovers that difference at the worst possible moment.
The second point is the driver. If an employee drives, different rules apply than for private use. For damage he causes to third parties, the employer is liable under Article 6:170 of the Dutch Civil Code. As for damage to your own van, you may in principle not recover those costs from him unless there is intent or wilful recklessness. That follows from Article 7:661 of the Dutch Civil Code. And if he is injured himself, the duty of care under Article 7:658 of the Dutch Civil Code into view.
We compare NH1816's van product with the rest of the market and look at the break-in conditions, the treatment of business contents and the cover around loading and unloading. See also our page on van insurance through Turien & Co.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is required by law and covers damage you cause to others with your van, not damage to your own van.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare NH1816's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with NH1816
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether NH1816 is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Tools fall outside own-damage cover
In a break-in, the motor policy pays for the damage to the vehicle: the lock, the door, the glass. The cordless drill, the measuring set and the stock of materials that have gone fall outside it. That calls for a separate business contents cover, often with the requirement that the van is kept indoors overnight or that the tools are taken out. Keep an up-to-date list with serial numbers.
Loading and unloading is a category of its own
If you run a pallet into a facade or something falls from the tail lift onto a parked car, the question is whether that is motor damage or business liability. Motor insurance covers damage caused with the vehicle, whereas public and employers' liability insurance (AVB) specifically excludes motor damage. Loading and unloading incidents fall exactly on that boundary, and that boundary differs from one set of conditions to another.
Who may drive and with what licence
Report whether the van is used by several members of staff and whether agency workers drive it. Some policies have an age clause or an increased excess for young drivers. If someone drives without a valid entitlement to drive, or if it emerges after a collision that the van was regularly driven by someone other than the person declared, the insurer can limit the cover or recover the payment from you.
Conversions, signwriting and loading
A permanent fit-out with racking cabinets, a roof rack, a towbar and advertising lettering increase the value of the vehicle but only count when they have been declared. Generally excluded are damage caused by overloading, by an inadequately secured load, and damage arising when the van is used to carry dangerous goods or for hire without this being stated on the policy.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Weight and payload. A compact city van is rated differently from a long van with a high payload.
Nature of the business. Courier services, installation work and occasional carriage of materials each have their own claims pattern.
Annual mileage. Daily urban delivery traffic produces more contact damage than project-based commuting.
Number and age of the drivers. Changing drivers and young staff increase the risk and sometimes the excess.
Storage and security. An enclosed company site or shed reduces the break-in and theft component of the premium.
Fit-out and business contents insured. Racking cabinets, a roof rack and tools cover come on top of the base premium for the vehicle.
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.
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.
Not from own-damage cover. That pays for the damage to the vehicle, for example a forced lock or a smashed window, but not for the contents. For that you take out a business contents or tools cover. Note the condition that the van is kept on an enclosed site overnight or that expensive tools must be taken out then.
Can I recover a loss from my employee?
In principle, no. Article 7:661 of the Dutch Civil Code protects the employee against liability for damage he causes in carrying out his work, unless there is intent or wilful recklessness. An excess that you pass on to the driver as a matter of course therefore often does not stand up. Put any arrangements about this in writing and have them checked in advance.
Who is liable if my employee causes a collision?
Towards the victim, the employer is liable under Article 6:170 of the Dutch Civil Code for the mistakes of subordinates. Motor insurance handles that claim. If the member of staff is injured himself during working hours, the duty of care under Article 7:658 DCC also comes into play and a separate road traffic injury arrangement for employees is worth considering.
Does damage during loading and unloading fall under my motor policy?
That depends on the wording. Damage caused with the vehicle falls under motor insurance; public and employers' liability insurance generally excludes motor damage. Loading and unloading incidents lie exactly on that boundary and sometimes fall between the two policies. So have the fit between your van policy and your business liability cover checked explicitly.
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.
