Liability
- A pipeline or cable struck
- Damage to installations
- Injury on deck
ROV pilot liability insurance
You remotely operate a vehicle weighing hundreds of kilos alongside installations worth millions. One wrong manoeuvre hits not your ROV but the pipeline next to it.
- 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
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
ROV pilots work on underwater inspections, cable and pipeline routes, offshore installations and ships' hulls. The damage you cause is rarely to the ROV itself but to the object you are inspecting.
The biggest risk is loss caused by downtime: if you strike a pipeline or cable, not only repair follows but also lost production at the client's end. That is pure financial loss and is not automatically insured.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) 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.
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What does ROV pilot liability insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Care, custody and control
The object you inspect or work on.
- Pipeline
- Cable route
- Hull
Financial loss
Lost production without damage to your own equipment.
- Production shut down
- Power supply interrupted
- Separate cover needed
What is covered
| Situation | AVB | With care, custody and control | BAV |
|---|---|---|---|
| Damage to a neighbouring installation | Yes | Yes | No |
| Injury to crew on deck | Yes | Yes | No |
| Damage to the object being inspected | No | Yes | No |
| Production downtime at the client | No | No | Sometimes |
| Damage to your own ROV or umbilical | No | No | No |
| Working offshore without declaring it | 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.
What does your premium depend on?
- Annual turnover: the main basis for calculation
- Type of assignments: inspection, intervention or survey
- Working area: inland waters, coastal waters or offshore
- Value of the equipment deployed
- Sum insured per claim
- Certification and claims history
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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.
Downtime losses are the big item
A pipeline or power cable struck shuts down production or the power supply. That loss is many times the cost of the repair and is not automatically covered by the AVB.
Care, custody and control in inspection work
You work on the object you inspect; damage to it falls under the care, custody and control exclusion. Without that cover the core of your work is uninsured.
The ROV itself is not an AVB matter
You insure your own vehicle, umbilical and topside equipment as plant, not through the liability policy.
Insure offshore work expressly
Work outside territorial waters is excluded on a regular AVB.
Frequently asked questions
This is what people ask us most.
What are downtime losses in my trade?
The financial loss a client suffers because production or transport is at a standstill after a pipeline or cable is damaged. It runs high and is separate cover.
Is damage to the object being inspected covered?
Not as standard; that is care, custody and control. Ask for care, custody and control cover, because this is exactly where you work.
Is my ROV covered?
No. The AVB covers liability towards others. You insure your own ROV and topside equipment as plant.
Does the policy apply offshore?
Only if that is insured expressly; otherwise the cover applies only within territorial waters.
Which sum insured do clients require?
That is set out in the contract or specification and varies widely by sector. In industry and petrochemicals it is often several million per claim. Ask for the requirement before you tender.
What is the difference between the AVB and the BAV?
The AVB covers damage to property and injury to people. The BAV covers pure financial loss: financial disadvantage caused by an error, without anything being broken or anyone being injured. In downtime and delay claims, that is the difference that counts.
Every situation is different. For these situations we have a separate page.
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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.