Liability
- Excavation damage to cables and pipes
- Damage to paving and buildings
- Mandatory third-party liability on public roads
Insuring a Takeuchi
A Takeuchi mini excavator or compact track loader is small, valuable and easy to load onto a trailer; theft and damage during transport are the biggest risks.
- 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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- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
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Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Takeuchi is a Japanese manufacturer best known for compact machines: mini and midi excavators from the TB series and compact track loaders from the TL series. The brand is widely used by landscapers, groundworkers, installers and rental companies, and for some years there have also been electric versions. A new mini excavator quickly represents tens of thousands of euros, including buckets, quick coupler and possibly a tiltrotator.
It is precisely this combination of high value and compact size that makes a Takeuchi attractive to thieves. A mini excavator is often left on a building site or at a customer's premises and can be driven onto a trailer within minutes. Insurers therefore set security requirements, such as an immobiliser, a tracking system or a wheel clamp on the trailer, and sometimes requirements for how the machine is parked outside working hours.
In addition, there are the ordinary working risks: tipping over on a slope, a bucket hitting a cable or pipe, damage during loading and unloading, and damage to the machine from incorrect operation. We put together machinery insurance that suits the type of Takeuchi, how it is used and whether you also hire it out.
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Takeuchi: what is covered?
Cover for a Takeuchi depends on the type of machine, its value including attachments and whether you operate it yourself or hire it out.
Own-damage cover
Pays for damage to the machine itself from accidents, tipping over, fire or theft.
- Theft, provided security meets requirements
- Tipping and overturning on site
- Insure attachments separately
Downtime and transport
Additional cover for the costs surrounding downtime and transport of your machine.
- Damage during loading and transport
- Hire of a replacement machine during downtime
- Recovery costs after tipping over
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?
- Your role: hiring out or hiring in. Who owns the machine and who actually uses it determines which cover is needed.
- Size and composition of the fleet. The number of objects and the spread of type and value across the equipment schedule.
- Hire with or without an operator. Supplying a machine without an operator makes use unpredictable and weighs more heavily.
- Type of hirers. Regular contractors, private individuals or changing day hirers produce different claims patterns.
- Security across the whole fleet. A tracker, immobiliser and engraved numbers on every object, not only on the newest.
- Limit for hired equipment. The amount for which you insure machines you hire in yourself.
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 often make the difference when insuring a Takeuchi.
Theft of mini excavators
Mini excavators are among the most frequently stolen construction machines, because they are small, valuable and easy to transport. With many brands, keys from other machines also fit. Insurers therefore often require a certified immobiliser or a tracking system, and sometimes ask for extra measures when the machine is kept outside a locked site. If the required security is missing, a theft claim may be rejected. Note the serial number and mark the machine so that it can be identified if it is recovered.
Excavation damage to cables
When digging with a Takeuchi, the bucket can hit a cable or pipe. The damage, including outage costs charged by the network operator, can run high. Your liability insurance usually pays for this, provided you have made a KLIC notification (the Dutch cable and pipe locator request) and dug according to the rules. Without a notification or when digging outside the indicated position, the insurer may limit cover or seek recovery. Keep the KLIC details on site and record trial trenches with photos.
Tipping over on a slope
Compact machines are manoeuvrable, but on a slope, wet ground or when lifting a heavy load with the arm extended they can tip over. The damage to the cab, hydraulics and arm is considerable, and recovery with a crane costs extra. Check whether your own-damage cover includes tipping and overturning, and whether recovery costs are included. If you often work on slopes or along water, state this in your application; it is taken into account in the assessment.
Loading, unloading and transport
Much damage to mini excavators occurs while loading onto a trailer, when a track slides off the ramp or the machine is not properly secured. While driving, the machine as cargo is not covered by the car insurance. Transport cover on the machinery policy closes that gap. Also pay attention to the weight of the combination and your driving licence: with a heavier Takeuchi on a trailer, you may need a BE licence.
Attachments and tiltrotator
A Takeuchi is often used with several buckets, a breaker, a sorting grab or a tiltrotator. Together, these parts can make up a large part of the value. They are not always automatically included, especially not when they are lying loose on a trailer or in a container. Declare attachments separately with value and serial number. Theft of a loose breaker or tiltrotator happens regularly and is otherwise not covered.
Hire with and without operator
If you hire out your Takeuchi with an operator, you remain responsible for the operation and any damage that results. If you hire it out without an operator, someone unknown operates the machine and the risk of damage and misappropriation is greater. Insurers therefore want to know whether and how you hire it out. If you hire it out without notifying the insurer, cover may lapse. Record in the hire agreement who is liable for damage and theft during the hire period.
Frequently asked questions
Questions Takeuchi owners often ask us.
Does my Takeuchi mini excavator need a registration plate?
A mini excavator that only operates on site or on your own premises does not need a registration plate. If the machine travels independently on the public road, a registration may be mandatory and it must have third-party liability (WA) cover. A mini excavator is usually transported on a trailer and only drives short distances on or next to the site. If in doubt, check what the RDW requires for your machine.
What security does the insurer require for my Takeuchi?
That differs per insurer and per value. Common requirements are a certified immobiliser, a tracking system with a monitoring centre or a combination of both. For storage outside a locked site, an extra lock or wheel clamp on the trailer may be required. Keep the installation certificates. Without the required security, the insurer can reject a theft claim.
Is my electric Takeuchi insured differently?
Broadly speaking, no: liability, own-damage and theft cover work the same way. However, the battery is an expensive component, and damage from charging faults, short circuits or fire while charging needs attention. Check whether the policy covers damage to the battery and charging system, even when the machine is on charge on site or in the warehouse.
Do I get replacement equipment if my Takeuchi is out of action?
Not automatically. Standard own-damage cover pays for the repair, not the costs of downtime. A module for hiring replacement equipment or for business interruption covers those costs, usually after a waiting period of a few days and up to a maximum. For businesses that depend on a single machine to complete work, such a module can be worthwhile.
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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.