Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Van insurance through NH1816
A van is a workshop on wheels: the most expensive loss is usually not in the bodywork but in what was in the back and in who was behind the wheel.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
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.
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We compare your van insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with NH1816?
The structure of the cover in three parts, with an overview per situation below.
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.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
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
Frequently asked questions
This is what people ask us most.
Are my tools in the van covered?
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.
Every situation is different. For these situations we have a separate page.
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.