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 activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A plough, cultivator, spading machine or seeding combination has no engine of its own and no registration number, and that is precisely why it often appears on no policy at all. The tractor is insured, the implement behind it is not. After a total loss through fire in the shed or a theft from the yard, only the power unit is paid for, while in many cases the implement represents a considerable part of the total investment.
The second feature is that with these machines you go blind through the soil. Beneath a field there are drainage pipes, irrigation lines, earthing loops and sometimes old foundation remains. A subsoiler or plough that pulls through them causes damage to something belonging to the owner of the field, and with contract work that is someone else. That is liability under Article 6:162 of the Dutch Civil Code and not own-damage to your implement.
On top of that, this equipment stands idle for most of the year. Insurers therefore look closely at where it is stored: an implement lying outside beside a ditch for months has a different theft and corrosion risk from one in a closed shed. We take that storage situation into account in the declaration for your plant and machinery insurance.
The structure of the cover in three parts, with an overview per situation below.
Liability
Third-party liability for plant and machinery
Damage you cause to others with the machine.
Compulsory on public roads
Also during work
Cables and pipes separately
The machine itself
Own-damage cover
Damage to the machine, the body and the attachments.
Fire and storm
Theft from the site
Overturning and collision
Extensions
Extensions
What you add separately.
Inherent defect and machinery breakdown
Transport to the site
Hired plant
What is covered
Situation
Third-party liability for plant and machinery
Own-damage cover
Damage to a building or a parked car next to the site
Yes
No
Theft of the machine from the building site
No
Provided that
Fire and storm damage
No
Yes
Inherent defect in the hydraulics or the engine
No
Provided that
Damage to the item you are working on with the machine
No
No
Wear and deferred maintenance
No
No
Mobile plant is a motor vehicle within the meaning of the WAM and needs third-party liability insurance on public roads; non-mobile plant does not. Damage to cables and pipes is generally only covered if the excavation notification has been made and the trial trenches have been dug. The item you work on with the machine falls under the care, custody and control exclusion.
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.
Every implement is an item of its own on the policy
Ploughs, disc harrows, cultivators, seed drills and rotary tillers are not automatically insured along with the tractor that pulls them. Declare each implement separately with its make, type and replacement value. What has not been declared is not paid for after a fire, theft or total loss. The same applies to borrowed or hired implements during the season; those fall under your cover only if you report them in advance.
What lies beneath the field is not yours
Drainage, irrigation lines and earthing arrangements lie shallower than you would think. If you pull them apart while deep ploughing or subsoiling, the repair and the flooding that follows are a liability towards the owner of the field. With contract work for third parties that is a customer, which does not make matters simpler. Ask in advance for a drainage plan and record that you requested it before you choose the working depth.
Damage to the soil itself is not damage to a machine
Working in conditions that are too wet leads to structural damage and compaction that only becomes visible in the yield a season later. Such a claim is about consequential damage to the crop of your client and not about your machine. Many liability covers treat this cautiously or exclude gradually occurring damage. Record the conditions on arrival if a client presses you to work in doubtful weather.
Downtime, storage and wearing parts
For ten months a year nothing happens, and that is precisely when corrosion sets in, rodents gnaw at wiring and implements disappear from an unguarded yard. The first is gradual damage and covered nowhere. The second only if the storage declared matches reality. And shares, coulters, tines and blades are wearing parts that fall outside every cover, as does deferred maintenance.
What does your premium depend on?
Replacement value per implement. Every towed or mounted implement counts with its own value in the basis of calculation.
Working width and working depth. Wide combinations and deep-working machines bring a greater chance of damage to underground services.
Your own business or agricultural contracting. If you work third parties' fields, damage to their drainage and crops comes into the liability section.
Storage out of season. A closed shed weighs differently from months of storage outside along the edge of a field.
Road transport between fields. Moving wide implements on the public road brings a collision risk of its own.
Age and claims history. The year of manufacture of the implement and previous claims also determine the premium and the excess.
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.
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.
Does my plough fall under the tractor's insurance?
As a rule not. The tractor is a motor vehicle with cover of its own. A towed implement or one carried on the linkage is a separate item that you declare separately. Only while taking part in traffic does liability for a coupled implement generally travel with the tractor. For own-damage, fire and theft the implement has to appear on the policy with its value.
Who pays for drainage pulled apart in a customer's field?
That is liability towards the owner of the field and falls under the liability section, not under own-damage cover. The insurer looks at whether you requested the drainage plan and whether the working depth chosen was reasonable. If you knew where it lay and went deeper anyway, the assessment shifts from bad luck to culpability and the cover can come under pressure.
Is theft of an implement from the yard covered?
Only with own-damage cover and only if the implement is on the policy and the storage declared is correct. If a cultivator lies for months beside a publicly accessible field while you have declared a locked shed, the actual risk differs from the one insured. Record serial numbers and photograph your implements. Without identification, recovery after a theft is almost hopeless.
Is loss of yield from compaction insured?
Rarely as a matter of course. Structural damage from working in conditions that are too wet arises gradually and only becomes visible in the following crop. Many policies exclude gradually occurring damage or treat it with a limited sub-limit. So record when you warned about the conditions and who decided to go ahead anyway. In an argument with the client that is decisive.
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.
