Third-party liability
- Compulsory from registration onwards
- Even with limited use
- The registration can be suspended
Hobby use · category C licence · limited mileage
Insuring a lorry privately
A lorry registered to a private individual is something different from a truck in a fleet. No load, no drivers, low mileage — and that should be reflected in the premium.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Vrachtwagen particulier verzekeren.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
If you drive a lorry as a hobby — to shows, truck meetings or as a camping vehicle — a business lorry policy is not appropriate. That is based on annual mileages, drivers and load risks that do not apply to you.
Insurers that accept private lorry ownership work with limited mileage, often five thousand to ten thousand kilometres a year, and with the condition that you have another car for everyday use. In return the premium is considerably lower.
You need category C driving licence , and with a trailer above the limit, CE as well. For non-commercial use no code 95 and no tachograph requirement applies, but vehicle requirements such as the roadworthiness test continue to apply in full.
Private lorry: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, fire, storm and windscreen damage to the truck itself.
- Theft and vandalism
- Fire and storm
- Damage in storage
Comprehensive or valued amount
Your own fault too, and payment on a valued amount.
- Own fault
- A valuation for special trucks
- Declare the body separately
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another road user | Yes | Yes | Yes |
| Theft or fire while in storage | No | Yes | Yes |
| Storm damage during an event | No | Yes | Yes |
| Causing damage yourself while manoeuvring | No | No | Yes |
| Commercial carriage without notifying the insurer | No | No | No |
| Wear and deferred maintenance | No | 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Hobby use must be stated in the policy
The low premium rests on the assumption that you drive little and do not carry goods commercially. If you do paid work with the truck, even occasionally, the use departs from what you declared and the insurer can reduce or refuse payment when you claim. It is better to report it in advance; there are policies that allow occasional business use.
Storage counts for more than mileage
A truck stands idle for most of the year, and that is when fire, storm and theft damage happens. Where the vehicle spends the winter determines acceptance and the premium more strongly than how far you drive it. Report a change of storage location; the theft cover is tied to the location declared.
Declare the body and modifications
A living unit, kitchen, lighting, chrome work or a modified interior is not included in the list price. On show trucks that easily runs into tens of thousands of euros. Declare it separately with its value; without a declaration only the bare truck is covered in the event of a total loss.
Suspending the registration in winter
If you only drive in season, you can suspend the registration at the RDW (the Dutch vehicle authority): no road tax and no third-party liability requirement. The risk of fire and theft in storage remains, and you cover that with storage cover. Without that cover the truck stands uninsured all winter.
What does your premium depend on?
- List price or valued amount — the main basis for calculation
- Year of construction and type
- Annual mileage — often capped
- Storage — a shed, a site or the public road
- Age and driving experience
- Cover and excess chosen
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
Can I insure a lorry as a private individual?
Yes, with insurers that accept hobby use. They work with a limited annual mileage and usually require you to have another car for everyday use.
Which driving licence do I need?
A category C licence, and CE with a heavy trailer. For non-commercial use no code 95 and no tachograph requirement applies; the roadworthiness test requirement does still apply.
May I use it for work occasionally?
Only if you declare it. Commercial carriage differs from hobby use and, if not reported, is a ground for refusing payment.
Is my body covered?
Only if you declare it with its value. A living unit, kitchen, lighting and chrome work are not included in the list price.
Can I suspend the registration in winter?
Yes, at the RDW. The third-party liability requirement and road tax then lapse; you cover fire and theft in storage with storage cover.
What is the difference with a business policy?
A business policy is based on annual mileage, drivers and load risk. With hobby use those do not apply, and that makes a considerable difference to the premium.
Read more
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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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.