Third-party liability
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- Suspend the registration when not in use
Hobby tractor: agreed value and use at events
A hobby tractor covers few kilometres, but it is precisely at the moments when it does drive that there is a crowd around it.
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In brief
A hobby tractor is a machine that is no longer used for production: a restored classic, a tractor for maintaining your own plot, or a machine that mainly appears at shows and parades. The limited use reduces the premium, but it also makes the risks different from those of a machine that works the land every day.
Two things call for attention. First the value: with a restored tractor, market value does no justice to the work and the parts that have gone into it. A valuation report fixes the value bindingly under Article 7:960 of the Dutch Civil Code, so that after a total loss or theft you do not end up with the trade value of an old tractor.
Second, use at events. Taking part in parades, classic vehicle days and tours falls outside the cover under some policy conditions, and that is precisely what you keep the tractor for. Report it expressly. If the tractor really goes to work, it belongs on the agricultural tractor insurance.
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Hobby tractor: 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.
What does your premium depend on?
- Agreed or declared value. With a restored machine the valuation figure is the basis of calculation, not the market value.
- Nature of use. Purely hobby use, yard maintenance or still the occasional job makes a difference to the rate.
- Taking part in events. Parades, shows and tours have to have been taken into account at acceptance.
- Storage. A locked barn as against an open lean-to differs in fire and theft risk.
- Year of manufacture and originality. The supply of parts and the repairability of old machines count in the assessment.
- Cover and excess chosen. Third-party liability for the road only, or supplemented with fire, theft and own-damage cover.
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
Four points that make the difference between a policy that pays out and one that does not.
Report participation in events expressly
If you take part in a parade, appear at a classic vehicle day or go on a tour with the club, have that recorded on the policy. Taking part in organised events is excluded under some policy conditions. There are also spectators around such an event; injury to a bystander is a question of liability under Article 6:162 of the Dutch Civil Code in which the organisation and the driver are both quickly looked at.
Have a restored tractor valued
Restoration costs are not included in the market value. A valuation report by a recognised valuer makes the value binding under Article 7:960 of the Dutch Civil Code and prevents argument after a theft or a fire in the barn. Note the period of validity: if the report expires, you fall back on market value without warning. Photograph the tractor once the restoration is complete and keep the invoices for original parts.
On the public road the traffic rules simply apply
A hobby tractor too, if it goes onto the public road, has to be registered and insured under Article 2 of the Dutch Motor Insurance Liability Act (WAM), and the driver needs the corresponding licence. With a machine that only drives to a show twice a year, that is easily forgotten. If the tractor stays exclusively on your own yard, the WAM obligation falls away, but not your liability towards visitors and helpers.
What is not reimbursed
Three things are never included. Wear, rust and mechanical defects are not damage but age. A seized engine or leaking hydraulics falls outside the cover. Damage during tractor pulling, skills competitions or other tests of strength is excluded, even where it is a demonstration. And damage that arises during restoration in a workshop falls under the liability of the business working there.
Frequently asked questions
This is what people ask us most.
Is taking part in a classic vehicle day covered?
Not automatically. A number of policies exclude taking part in organised events, while that is exactly the use for which a hobby tractor is kept. Report it on the application and have it recorded that parades, shows and tours are insured. Tests of strength such as tractor pulling remain excluded even then. For those the organiser usually arranges separate event cover.
Why is a valuation report sensible?
Because the market value of an old tractor bears no relation to what you have put into it. With a valuation report from a recognised valuer the value is fixed under Article 7:960 of the Dutch Civil Code and you do not have to negotiate after a fire, theft or total loss. Do note the period of validity of the report: once it has expired, the insurer will settle on market value after all.
Do I need insurance if the tractor only stays on my yard?
The insurance obligation under Article 2 WAM applies to use on the public road. If the machine stays on your own land, that obligation falls away, but your liability does not: if a visitor or helper is injured, you are held liable under Article 6:162 of the Dutch Civil Code. There is also no cover for fire or theft from the barn without additional cover.
Are my tools or attachments insured?
Only what is on the policy. A front loader, mower bar or trailer that you couple up now and then should be declared separately with its value. Without a declaration there is no insurable interest and no settlement follows for that part after a fire or theft. The same applies to loose tools kept in or on the tractor.
Every situation is different. For these situations we have a separate page.
- Compare plant and machinery insuranceThe main page
- Insuring an agricultural tractorRegistration, public road, implements
- Insuring a hobby tractorEnthusiast use, limited mileage, valuation
- Insuring a tractor as plant and machineryWAM obligation, own-damage, implements on the linkage
- Insuring a tractorRegistration, category T licence, implements
- The cover provided by plant and machinery insuranceThird-party liability, own-damage, working risk
- Insuring a classic tractorWAM obligation, agreed value, shows and runs
Read more
Within Werkmaterieelverzekering
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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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.