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
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.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
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.
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.
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.
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.
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.
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.
