Zakelijk • ZZP • own transport insurance
Self-employed transport insurance – insure your goods during transport in your own car or van
Take if self-employed regularly goods, materials, tools or trading stock mee in uw eigen auto or bestelbus? Dan loopt u risico op schade or verlies door bijvoorbeeld collision, theft, fire or water damage (polisafhankelijk). A own transport insurance (also known as transport insurance for own transport) reimburses the damage to your belongings during transport.
Finass Insures vergelijkt meerdere verzekeraars en stemt dekking en voorwaarden af op uw ritten, waarde per transport, laad-/losmomenten, opslag in het voertuig en uw preventiemaatregelen. Zo krijgt u een polis die past bij uw werkpraktijk, tegen een scherpe premie.
Own transport insurance in short
A own transport insurance covers (according to policy conditions) damage to goods that you transports itself. Denk aan materialen, gereedschap, producten or monsters in uw auto/bestelbus.
Key points to consider
- What do you transport? (goods, tools, stock, equipment)
- Value per trip and maximum sum insured.
- theft: prevention requirements, forced entry marks, parking/night stables (depending on the policy).
- Loading/unloading risk and damage during handling (depending on the policy).
- Coverage area: Netherlands or abroad (depending on the policy).
Tip: Car/van insurance covers your vehicle; own transport covers the load/goods.
Why own transport insurance for self-employed persons?
Your stuff is your revenue
Zonder materialen, gereedschap of producten kunt u opdrachten missen. A dekking voor eigen vervoer helpt om door te werken na schade.
Transport is a moment of risk
Aanrijding, hard remmen, omvallen van lading of schade bij laden/lossen komt vaker voor dan gedacht. Een own transport insurance vangt dit op (polisafhankelijk).
Theft from vehicle
Diefstal uit bestelbus of auto is een bekend risico. Een goede polis met duidelijke Prevention-eisen voorkomt vervelende discussies bij schade.
✔ For self-employed people who transport goods, tools or materials themselves
✔ Coverage can be tailored to journeys, value and prevention (policy dependent)
✔ Clear policy review: theft conditions, loading/unloading and deductible
Who is self-transport coverage suitable for?
Construction, installation & technology
- tools and measuring equipment;
- materials and parts;
- work on location, several trips per day.
Trade & delivery
- trading stock and products;
- samples and sample cases;
- deliveries to customers or collection points.
Services & creative professions
- equipment (camera, light, audio);
- IT and presentation resources;
- event and project locations.
What is insured with your own transport insurance?
Examples of insured items
- materials and parts for assignments;
- tools and machines (depending on policy definition);
- products and trading stock;
- equipment and instruments;
- samples and demonstration materials.
What is often not covered?
- damage to the vehicle itself (car insurance);
- wear and tear, inherent defects and insufficient packaging/stowage (depending on the policy);
- intent/recklessness;
- securities, cash and valuables (often excluded/limited).
Exact definitions and exclusions depend on the insurer and policy.
Own transport versus CMR/professional transport
Your own transport insurance is intended for goods that you carry yourself vervoert voor uw eigen bedrijf. Vervoert u beroepsmatig voor derden (transportbedrijf/koerier), dan hoort daar vaak A andere transport-/aansprakelijkheidsdekking bij. Wij helpen u dit correct af te bakenen.
Coverage: which damages are often insured?
The exact coverage depends on the insurer and policy. The following is an outline (policy dependent).
Collision & transport accidents
- damage due to traffic accident (policy dependent);
- falling over/shifting of load when braking suddenly;
- damage due to impact during transport.
Fire, lightning & water damage
- fire/explosion;
- water damage due to external causes (policy dependent);
- damage due to storm/hail (depending on the policy).
Theft & vandalism
- theft from vehicle due to forced entry (often required);
- vandalism to cargo (policy dependent);
- additional requirements for night stables/parking.
Loading and unloading times
A lot of damage occurs during loading and unloading (vallen, stoten, klemmen). Afhankelijk van de polis kan dit meeverzekerd zijn of gelden er Conditions. Wij controleren dit expliciet bij het vergelijken van aanbiedingen.
Maximum reimbursement & deductible
Let op de verzekerde som (bijvoorbeeld per rit or per voertuig) en het eigen risico. Bij kostbare apparatuur or hoge goederenwaarde kan maatwerk nodig zijn.
Typical risks with own transport (self-employed)
Burglary from van
- on-street parking;
- visible charge;
- limited security or open loading area.
Damage due to stowage
- insufficient securing;
- falling when braking/cornering;
- damage from sharp edges.
Loading/unloading errors
- falling from ladder/crate/box;
- bumping into door frames;
- damage caused by a forklift (situation-dependent).
Prevention requirements and practical tips
Vehicle security
- approved lockwork (where required);
- additional loading space security;
- alarm/track & trace (policy dependent).
Parking & night stables
- preferably out of sight/enclosed area;
- no load visible behind windows;
- follow policy conditions for night stables.
Stowage & packaging
- tension straps/racks for securing;
- protection for fragile goods;
- separation of heavy and fragile items.
Prevention helps doubly: fewer claims and better acceptance/premium.
How much does own transport insurance cost for self-employed persons?
De premie is afhankelijk van de waarde van uw goederen, ritfrequentie, soort lading, Coverage area, preventie en eigen risico. Hieronder de belangrijkste factoren en wat wij meestal nodig hebben.
Premium factors
- maximum value per trip/vehicle;
- type of goods (fragile/valuable);
- theft risk and prevention;
- domestic/abroad coverage;
- deductible and conditions for loading/unloading.
This way you get a competitive premium
- realistic maximum value (not structurally too high);
- prevention demonstrable (locks, storage, covering);
- appropriate deductible;
- combine with other business sections (possible benefit).
Data for quotation
- industry/activities;
- what do you transport (description);
- maximum value and frequency;
- vehicle type and prevention;
- NL or abroad.
Quotation information in one overview
| Element | Examples | Why important |
|---|---|---|
| Goods | tools, materials, supplies, equipment | Type of cargo affects conditions and rate. |
| Value | max. value per trip/vehicle | The sum insured and premium are based on this. |
| Prevention | locks, alarm, storage, cover | Crucial in the event of theft and acceptance (policy dependent). |
| Work area | Netherlands / EU / abroad | Coverage area can influence premium and conditions. |
Indicative; exact conditions vary per insurer/policy.
Would you like to know exactly which coverage and premium suits you?
Request one immediately no-obligation quote On.
Request a quote for your own transport insurance as a self-employed person
Reporting damage: this is how it works in practice
Step-by-step plan in case of damage or theft
- Safety: in the event of an accident, safety and emergency services first.
- Limit consequential damage: protect cargo against further damage.
- Document: photos, date/time, location, circumstances.
- Declaration: in the event of theft, usually report immediately (depending on the policy).
- Report quickly: timely notification and evidence accelerates processing.
We provide support with coverage testing, evidence and communication with the insurer.
Common pitfalls
- no signs of forced entry or failure to meet prevention requirements;
- value per trip higher than insured;
- insufficient stowage/packaging;
- lack of clarity about loading/unloading times;
- late notification or missing documentation.
Combine smartly with other business insurance policies
Inventory/goods (permanent address)
Voor schade aan Inventory en voorraad op uw werkplaats/kantoor. Eigen vervoer is de aanvulling voor de spullen onderweg.
AVB (liability)
Voor schade die u bij derden veroorzaakt tijdens werkzaamheden. Zeker relevant bij werken op locatie.
Business damage
If you are unable to work due to a covered event, business interruption insurance can help pay fixed costs (depending on the policy).
Avoid overlap and gaps
Wij stemmen de dekking af tussen uw Car insurance, inventaris/goederenverzekering en eigen vervoer. Zo is duidelijk wat er gebeurt bij schade aan het voertuig, de lading en bij diefstal.
Frequently asked questions about self-employed transport insurance
What is your own transport insurance?
Een own transport insurance (transportverzekering eigen vervoer) dekt volgens polisvoorwaarden schade aan goederen die u zelf vervoert in uw eigen auto of bestelbus. Het gaat om de lading/goederen, niet om het voertuig.
Does my car insurance also cover the goods in the van?
Meestal niet. Een autoverzekering richt zich op schade aan het voertuig en aansprakelijkheid. Voor de goederen/lading heeft u doorgaans een own transport insurance of een passende goederen-/inventarisdekking nodig.
Is theft from the vehicle insured?
Dit is polisafhankelijk. Vaak geldt dat er sprake moet zijn van braaksporen en dat u aan preventie-eisen voldoet. Ook kunnen er Conditions gelden voor parkeren en nachtstallen.
Is damage during loading and unloading included in the insurance?
Dit is polisafhankelijk. Omdat veel schades ontstaan bij loading/unloading, is het verstandig dit expliciet in de polisvoorwaarden te controleren. Wij nemen dit mee in de vergelijking.
Can I get coverage for transportation abroad?
Vaak is uitbreiding mogelijk naar Europa of (beperkt) buitenland, maar dit is polisafhankelijk. Het Coverage area can influence premium and conditions.
What information is required for a quotation?
Usually: what you transport, maximum value per trip, trip frequency, vehicle type, prevention (locks/alarm/storage) and the desired coverage area.
Would you like to take out your own transport insurance as a self-employed person? Request a no-obligation quote
Wilt u uw goederen, gereedschap of materialen onderweg goed en scherp geprijsd verzekeren? Finass Insures helpt u met een own customized transport insurance, tailored to your journeys, maximum value and prevention.
Request a quote for your own transport insurance as a self-employed person
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij nemen uw situatie door en adviseren de beste dekking voor uw eigen vervoer.
