Liability
- WAM compulsory for use on public roads
- Damage to underground cables and pipes
- Operational risk on the construction site
Insuring a Sany
With a Sany excavator, repair time matters a great deal: parts and mechanics are available, but waiting times can be longer than for brands with an older Dutch dealer network.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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Additional questions follow per chosen insurance.
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Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
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- Help with claims
In brief
Sany is a Chinese manufacturer of construction equipment, best known in Europe for excavators in every weight class, from mini excavators to heavy crawler excavators. In recent years the brand has gained market share in the Netherlands among contractors, earthmoving firms and hire companies, partly thanks to its sharp price-to-quality ratio. Electric models are also increasingly used, for example on zero-emission construction sites.
For insurance purposes, the brand makes little difference to the cover itself. You insure a Sany like any other plant against liability and own damage (casco), with the same questions about value, weight, use and storage. The difference lies in the practical handling of claims. The service and parts network in the Netherlands is younger than that of brands that have been operating here for decades, and specific parts sometimes have to come from further afield.
As a result, the question of what happens in the weeks the machine is out of action is more important than with many other brands. Own-damage insurance pays for the repair, but not for hiring a replacement machine or the turnover you lose. If you want to cover that risk, choose cover for replacement equipment or business interruption.
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Sany: what is covered?
The right cover depends on the value and weight of the machine, its use on the road or construction site, and how long you can absorb downtime.
Own-damage cover
Damage to the machine itself from overturning, fire, collision, vandalism or theft.
- Overturning on uneven ground
- Theft of machine, buckets or quick couplers
- Vandalism on an unguarded site
Downtime and transport
The consequences when the machine cannot work, and the risk during transport on a low-loader.
- Hire of replacement equipment
- Business interruption with long repair times
- Damage during loading and transport
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | 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?
- Waiting period chosen. The number of days of downtime you bear yourself before payment starts.
- Maximum indemnity period. The period over which payment is made, to be matched to realistic delivery times.
- Basis of the payment. Hire costs for replacement equipment or lost gross profit per day of downtime.
- Availability of a replacement. Whether an equivalent machine can be hired in your region and how quickly.
- Maintenance status and age. A current service contract reduces both the chance of a breakdown and how long it lasts.
- Nature of the work. Project work with completion dates is judged differently from occasional day hire.
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.
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
Six points that count in practice when insuring Sany equipment.
Excavation damage to cables and pipes
With an excavator it is easy to hit an underground cable or pipe. Network operators charge the repair costs and sometimes the costs of network outages, and those amounts add up quickly. Liability insurance covers this, provided you made a KLIC notification (the Dutch dig-safe enquiry) and dug according to the rules. Without a notification, the insurer may limit cover. Keep the notification and your findings for every project.
Repair time and parts
After major damage to a Sany, waiting for a specific part can take longer than with brands that have a large parts warehouse in the Netherlands. When buying, ask the dealer how quickly critical parts can be supplied and how service cover is arranged in your region. With that information you can judge whether cover for replacement equipment or business interruption makes sense. We include that question in our advice.
Theft from construction sites
Excavators, especially mini and midi excavators, are regularly stolen from construction sites, often together with buckets and quick couplers. Insurers set security requirements, such as an immobiliser, a track-and-trace system and locking the machine outside working hours. For higher values a certified tracking system may be compulsory. Register the serial number and mark loose buckets, so you can prove what is yours after a theft.
Transport on a low-loader
Things regularly go wrong when loading and unloading an excavator onto a low-loader: the machine slides off the ramps or tips over. Damage to the machine falls under own-damage cover if the policy does not exclude loading and transport. Damage to the lorry or to others while driving falls under the insurance of the towing vehicle. Check whether your own-damage policy also provides cover during transport.
Electric models
Sany also supplies electric excavators for zero-emission construction sites. The battery pack represents a large part of the value. Damage from a short circuit, fire during charging or water damage to the battery must be included in the own-damage cover. Internal battery defects usually fall under machinery breakdown. Ask whether charging equipment on site needs to be insured separately and what requirements the insurer sets for the charging location.
Hiring out to third parties
If you hire out your Sany to others, with or without an operator, the risk changes. When hiring out without an operator, you have no control over who operates the machine. Many own-damage policies only cover hiring out if this was reported in advance, or with a higher excess. Agree in the hire contract who is liable for damage and who insures. Always report hiring out to your insurer.
Frequently asked questions
Questions from contractors and earthmoving firms about insuring a Sany.
Is a Sany more expensive to insure than other brands?
Insurers calculate the premium mainly on the basis of value, weight, use, security and claims history, not on the brand alone. A Sany with a lower purchase price therefore often has a lower own-damage premium than a more expensive brand in the same class. An insurer may, however, take the availability of parts and repairs into account.
Do I need a registration plate for my Sany excavator?
A mobile machine that drives itself on public roads needs a registration plate (kenteken) and must have WAM cover. A crawler excavator that is always transported on a low-loader and never drives on the road itself is usually not covered by this requirement. A wheeled excavator that does go on the road is. Check the rules with the RDW.
What happens if my Sany is out of action for weeks after damage?
Own-damage insurance pays for the repair or the value of the machine, but not for the costs of downtime. If you have cover for replacement equipment, the insurer pays for hiring a comparable machine for an agreed period. Business interruption insurance can cover loss of income. Both are optional additions you must arrange in advance, not after the damage.
Is my Sany also insured during a job in Belgium or Germany?
Many plant policies have a territorial limit of the Netherlands and sometimes the Benelux or neighbouring countries. If you work with the machine across the border, check whether that area is covered, including for liability. Abroad, different requirements for road use sometimes apply. Report a cross-border project in advance.
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Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
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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.
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.