Transport and business travel: staff and goods on the move

No. Goods carried fall under goods in transit insurance or, where you carry your own property, under own-account transport insurance. Liability as a professional carrier runs through CMR cover. The business travel policy insures only the traveller, his personal luggage and the business items he takes with him. Trade goods and samples usually do not count as luggage in that respect.

Usually not. Private travel policies are written for holidays and often exclude work, or cover only office and desk work. Loading, unloading, assembling or repairing abroad then falls outside them. Business equipment and tools are also rarely insured on them and lower limits apply.

The emergency assistance centre can be reached day and night, finds a suitable hospital, guarantees payment so that no deposit is needed, and arranges transport back to the Netherlands where that is medically responsible. Flying out a family member or a replacement driver also runs through that centre. Always call first.

Subject to conditions. Insurers generally require that the vehicle was properly locked and that valuables were not left in view. For valuables a lower sub-limit often applies, or no cover at all where they have been left in a parked vehicle. A report to the local police is almost always compulsory.

That varies. Many policies provide cover from the moment the trip begins, including within the Netherlands, but with restrictions: medical expenses here already run through health insurance, after all. For short domestic journeys it is mainly the luggage and personal accident sections that are relevant. Check whether a minimum duration or an overnight stay is required.