Frequently asked questions about private lorry insurance

No. Even a one-off carriage for payment makes the use commercial, and that falls outside a private policy. It makes no difference whether the payment covers the costs or only the fuel. If you expect to do this more often, report it and have the truck placed on a business policy. That is cheaper than one refused claim.

A trailer or semi-trailer with its own registration number falls independently under the insurance requirement of Article 2 of the WAM. While coupled, liability runs with the towing vehicle, but uncoupled it does not. If you also want own-damage cover on the trailer, that is always a separate agreement with its own insured value.

Article 7:941 of the Dutch Civil Code requires you to report as soon as you are reasonably aware. An insurer may only reduce the payment if the late report has harmed a reasonable interest, for instance because it can no longer investigate the cause of the loss. Where there is intent to mislead, the right to payment lapses entirely.

Sometimes. Some companies accept the no-claims years you have built up on a car policy, others start a truck policy on their own step or discount system. Ask before you switch and do not use the years on two policies at once, because double use is corrected when you claim.