Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Insuring a trade plate
The trade plate certificate ties your use to conditions, and those same conditions determine whether your insurer pays when you claim.
- 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 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
The certificate is issued in your company's name and belongs to your business activity: moving, testing and repairing vehicles that form part of your trading stock or your work in progress. As soon as a journey has nothing to do with that, it is improper use. That is not only a matter for the RDW (the Dutch vehicle authority); insurers write business use into the policy as a condition.
If something happens during such a journey, the injured third party remains protected. Article 2 of the Dutch Motor Insurance Liability Act (WAM) ensures that the victim is paid, even if you did not comply with the conditions. The insurer then recovers from whoever caused the damage and from the business that held the certificate. You are then insured towards the outside world, but not for yourself.
That is why this subject is all about records: who drove, when, on which certificate, in which vehicle and for what purpose. What the cover involves exactly, and why you calculate per plate, is set out at insuring a green plate.
Independent, personal, sorted quickly
We compare your motor trade insurance 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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Through Finass or direct with the insurer?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Ansvar Idea's comprehensive version with the market.
- Hail damage
- Damage through your own fault
- Vandalism
- Unknown party at fault
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Number of certificates in use. Every trade plate certificate you use at the same time is insured separately and assessed separately.
- Class of authorised drivers. Permanent staff only, or agency workers, young drivers and customers on test drives as well.
- Nature of the business activity. Trading, repair, importing or long-distance driving each present a different risk.
- Internal procedure and records. Key management, journey records and driving licence checks count towards acceptance.
- Claims history. The number and nature of previous collisions on the certificate determine the discount or loading.
- Excess. A higher excess per event reduces the premium and shifts small claims to you.
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.
Business use is a policy condition, not a formality
A test drive, transport to an inspection, collection after a purchase, driving to the paint shop: all of that belongs. Doing the shopping, helping with a house move or driving away for the weekend does not, even if nothing else happens. Insurers write the business character in as a condition. If it is breached and damage results, you find yourself opposite your own insurer instead of beside it.
The injured party gets paid, you get the bill
This is the part that is most often underestimated. An insurer may not refuse to pay a victim because you breached a policy condition; Article 2 of the Dutch Motor Insurance Liability Act (WAM) protects the third party. What the insurer may do is recover the amount paid from the driver and from you as the holder of the certificate. In injury claims that amount runs high, and there is no insurance that absorbs that recovery.
Who is behind the wheel matters as much as what for
The policy sets out a class of drivers: your own staff, sometimes agency workers, sometimes customers on an accompanied test drive. If you let a customer drive off unaccompanied while the conditions require accompaniment, you are acting contrary to the policy. Record for each test drive who went along, which driving licence was checked and what time the vehicle came back. A copy of a driving licence without a journey record does not help afterwards.
Report claims and changes without delay
The notification duty under Article 7:941 of the Dutch Civil Code requires you to report a claim as soon as you know of it; late notification can prejudice the insurer and lead to a reduction. The same applies to changes: if the RDW withdraws a certificate, if your business activity changes or if the number of plates increases, that is information the insurer needs. At the outset, the duty of disclosure under Article 7:928 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
May an employee use the trade plate privately?
No. The certificate belongs to the business activity: moving, testing and repairing vehicles. Private journeys fall outside it, however short. As well as an enforcement issue with the RDW, you are breaching a policy condition. Set out internally in writing what is and is not allowed and have staff sign for it; in a recovery action that is the first thing that will be requested.
Someone did drive privately and there is damage. What now?
The other party is paid; Article 2 of the Dutch Motor Insurance Liability Act (WAM) protects the injured party regardless of what you agreed with your insurer. The insurer can then recover the amount paid from the driver and from your business as the holder of the certificate. Report the claim immediately and in full all the same; concealment only worsens your position and engages Article 7:941 of the Dutch Civil Code.
Must a customer be accompanied on a test drive?
That depends on your policy. Many conditions require accompaniment by a member of staff, or set requirements as to the driver's age and how long they have held a licence. Check which class of drivers is stated on your policy before you let anyone drive off alone. If your practice differs from it, have the policy amended. That is usually a matter of premium, not refusal.
Do I have to keep journey records?
It is not a policy formality but it is your only evidence. After a collision or a check, the question is who was driving at that moment, in which vehicle and for what purpose. Note the date, driver, vehicle and reason for the journey, and record when a plate is issued and returned. Without those records, business use cannot be demonstrated after the event.
Every situation is different. For these situations we have a separate page.
- Compare motor trade insuranceThe main page
- Insuring a vehicle with a green registration plateTrade stock, use, registration
- Garage insurance for car wash businessesPaint damage, the installation, customer vehicles
- Garage insurance for car dealersTrading stock, premises, buying in
- Garage insurance for truck servicingHeavy vehicles, lifts, downtime
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.