Third-party liability
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Dimensions · import · rating group
Insuring a Dodge RAM
For a Dutch insurer a Dodge RAM is not an ordinary car: the size, the weight and the origin of the parts together determine whether it is accepted.
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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 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.
In brief
A RAM falls outside the standard rating tables. That is down to three things at once: the dimensions, the mass and the fact that the vehicle has usually been imported. None of these is a problem, but they all call for a separate assessment before an insurer accepts the risk.
The size works through mainly into claims frequency. A pick-up of this length and width does not fit an average parking bay, will not pass under every barrier and has a considerable turning circle. Parking and manoeuvring damage is therefore the most common claim, usually to the side, the bumper corners or to whatever you hit.
The import works through into repair times. Parts do not always come from a European warehouse, so repairs take longer. Decide in advance therefore whether you want to insure replacement transport as well, and what that vehicle would be: an equivalent replacement pick-up is almost never standard. If you use it for business, compare the business van insurance.
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Dodge RAM: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | 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.
Mass and driving licence must match
On a pick-up of this size, the maximum permitted mass is close to the limit of what may be driven on a category B licence, certainly with a trailer or caravan behind. Check on the registration certificate which mass and towing weight are stated and whether your licence covers them. Driving without the correct licence category is an absolute exclusion. The insurer will pay the injured party but recover the amount from you.
Import and conversions belong on the policy
Many RAMs are modified after import: an gas system, a different load bed cover, a lift kit, side steps or a towbar. Every change from the original specification must be reported on the application, including the type approval that goes with it. If that declaration is missing, the insurer can rely on Article 7:928 of the Dutch Civil Codewhen you claim. Keep the import papers and the inspection reports; they also support the value in the event of a total loss.
Work out whether to report parking damage
At this size, light parking damage is a recurring item. Every at-fault claim costs no-claims years, and that setback works through into your premium for years. With a small amount of damage, put the repair estimate alongside the expected difference in premium and the excess before you report it. Watch the duty to notify under Article 7:941 of the Dutch Civil Codeas well: you may report a claim and later drop it, but not reporting and then claiming later becomes difficult.
What is not included
Three items fall outside cover. The load in the bed is never insured on the motor policy; tools, building materials or a quad bike belong under separate goods cover. Loose or fitted accessories such as a hardtop, roll bar, winch or extra lighting only count if they have been declared separately. And damage to a coupled trailer falls under its own policy, not under the own-damage cover of the pick-up.
What does your premium depend on?
- Maximum permitted mass. The mass on the registration certificate determines the rating group and sometimes whether an insurer accepts the risk at all.
- Imported or supplied in Europe. Origin affects the availability of parts and with it the expected repair time.
- Fuel or gas installation. A retrofitted gas installation changes the fire risk and must be approved and declared.
- Business or private use. Work traffic with changing drivers is assessed differently from purely private use.
- Storage and security. Parking on the street, on a drive or in a locked shed carry different theft risks.
- Declared accessories. A hardtop, winch, towbar and extra lighting only count if they appear on the policy.
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.
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
This is what people ask us most.
Why does not every insurer accept a RAM?
Because the vehicle falls outside the usual rating structure. The mass, the dimensions and the often foreign origin make it harder for an insurer to estimate the claims burden, and repair times are longer. Some insurers have no rate for it and decline, others accept after a separate assessment. With this type of vehicle it therefore pays to compare several insurers side by side.
Is the load in the bed insured as well?
No. Motor insurance covers the vehicle, not what you carry. Tools, building materials, a quad bike or garden waste in the bed fall outside own-damage cover. Separate goods or own-transport cover is needed for that. Watch how the load is secured as well: if something falls out of the bed and causes damage, that is your liability and not the recipient’s.
Do I have to report an LPG or gas installation?
Yes, always. A retrofitted gas installation changes the fire risk of the vehicle and must be approved and noted on the registration certificate. If you do not report it on the application, you breach the duty of disclosure under Article 7:928 of the Dutch Civil Code. In the event of fire damage the insurer can then refuse payment, even where the fire had nothing to do with the installation.
What do I arrange for a trailer?
While you are driving, the third-party liability cover of the pick-up responds to damage the coupled trailer causes to others. Damage to the trailer itself is not covered. A separate trailer policy is needed for that. Check the towing weight on the registration certificate as well, and whether your licence permits the combination, because towing too much weight affects cover.
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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.
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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.