Actual value
- Not capped per kilogram
- Regardless of who is liable
- Including freight and costs
Insuring the transport of your own goods
The cover hangs on one word: own. Who owns the goods in your load space at the moment of the loss determines whether this policy pays or whether you end up with another insurance.
- 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 · Deutsch
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
If you carry your own property, there is no contract of carriage, no consignment note and no other party. So there is no liable third party to recover the loss from either: what breaks or disappears, you lose yourself. That is precisely why cover here is placed on value and not on liability. The question the insurer asks is not who made a mistake, but what was in the load space and whose it was.
When it comes to it there is almost always more in there than your own property. A machine you take along for repair, borrowed or hired equipment, returns, your supplier's returnable packaging, goods still subject to retention of title. Those are third-party property. You do bear the duty of care for them, but you do not automatically suffer the loss, and Article 7:960 DCC does not allow a payment exceeding what you actually lost.
On the other side lies the boundary with professional carriage. If you carry someone else's goods for payment, different rules and a different insurance regime apply. If you do both, say so when taking out the policy; Article 7:928 DCC obliges you to give correct information and a concealed mixture comes to light at the first claim. See also own goods in transit insurance.
Independent, personal, sorted quickly
We compare your goods-in-transit 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.
Goods-in-transit insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Carrying your own property: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Liability
What a carrier bears at most.
- CMR: 8.33 SDR per kilo
- AVC: € 3.40 per kilo
- Rarely the actual value
Type of cover
From limited to all risks.
- All external perils
- Limited perils
- Storage in transit
What is covered
| Situation | Carriers' liability | Goods in transit |
|---|---|---|
| Damage from an accident, up to the weight limit | Yes | Yes |
| Damage above the weight limit | No | Yes |
| Theft of the cargo | Sometimes | Yes |
| Damage with no identifiable fault | No | Yes |
| Storage during the journey | No | Sometimes |
| Inherent defect or inadequate packaging | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Maximum value per vehicle. Not your total holdings, but the maximum that can be in one load space at any one time, forms the sum insured.
- Nature of the goods. Hand tools, machinery, stock or goods for delivery differ widely in how prone they are to theft and in repair costs.
- Share of third-party property. If you regularly also carry borrowed or hired items or property belonging to customers, that calls for an extension and a higher rate.
- Number of load spaces. The number of vans, trailers and bodies covered by the policy determines how much risk is on the road at once.
- Working area. Driving only within the Netherlands or also working across the border leads to a different assessment of theft and collision risk.
- Type of cover and excess. Cover limited to named events or a wider form, combined with the excess chosen, determines the eventual pricing.
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.
Ownership and risk do not always coincide
Goods you have not yet paid for may still belong to your supplier; goods you deliver may already belong to your customer as soon as they leave the door. What you build into a building also becomes the client's property by accession. So go through your purchase and delivery terms and establish up to what moment you bear the risk. Insure that moment, not your sense of ownership.
Third-party property travels under a different regime
If you take a customer's appliance back with you, or have hired-in equipment in the van, those are items in your in your care. Own goods in transit cover is not intended for that, and liability insurance generally excludes care, custody and control or restricts it sharply. If you do want those items covered, that has to be included expressly, stating the maximum value carried at any one time.
No consignment note also means no evidence
In professional carriage the consignment note records what was handed over and in what condition. With own transport that document does not exist, so you have to be able to show yourself what was in the vehicle. Work with a loading list or packing note per journey and keep purchase invoices and serial numbers. Without that support, the discussion after a theft comes down to your estimate against the surveyor's.
What is excluded as standard
Wear and tear, inherent defect and damage because the load was insufficiently secured in the load space are excluded. The same applies to money and securities, to damage to the vehicle itself, which belongs on the motor policy, and to fines. Intent and wilful recklessness are excluded by Article 7:952 of the Dutch Civil Code. If materials disappear without signs of forced entry, that is often unexplained loss and not theft, and that too is not paid for.
Frequently asked questions
This is what people ask us most.
Is a customer's machine included?
Not automatically. As soon as you carry items that are not yours, they are goods in your care. Own goods in transit cover relates to your own property; liability insurance usually excludes or restricts care, custody and control. If you regularly take customers' equipment for repair or collection, have that expressly included, stating the maximum value.
What if the goods still belong to my supplier?
Under retention of title your supplier remains the owner until you have paid, but you usually do bear the risk. You can then insure on the basis of that interest. Article 7:960 DCC limits payment to the loss you actually suffer, so insuring twice alongside your supplier produces nothing extra. Record who insures what.
When do I become a professional carrier?
As soon as you carry third-party goods for payment. A different regime then applies, with a licence requirement above a certain weight and with carriers' liability instead of an own property policy. If you do that occasionally alongside your own transport, declare it in advance. If the mixture only comes to light when you claim, that engages the duty of disclosure of Article 7:928 DCC.
Will I be paid replacement value as new or market value?
That is set out in the policy conditions and differs by insurer and by type of item. Tools are often settled at replacement value, stock at purchase value and goods for delivery at the value you lost yourself. More than the loss suffered is never paid. That is the principle of Article 7:960 DCC. Ask about this before you set the sum insured.
Every situation is different. For these situations we have a separate page.
- Compare goods in transit insuranceThe main page
- Own goods in transit insuranceYour own property, tools, overnight storage
- Transport insurance for SMEsOwn transport, subcontracted, the trade-off
- Carrying your own goods: what you need to knowOvernight storage, declaration, theft
- International goods in transitCMR, multimodal, countries
- Goods in transit insuranceActual value, route, who insures
- Transport insurance for courier servicesMany consignments, high value, speed
- Transport insurance for foodstuffsSpoilage, hygiene, rejection
- Transport insurance for parcel servicesVolume, shrinkage, large batches
Read more
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.