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
A courier journey is short, direct and time-bound. The consignment is usually one parcel or one pallet, often with a value out of all proportion to its size: a spare part for a production line that has stopped, a sample for a laboratory, an urgent delivery of medication. That makes two things decisive that hardly arise in other road carriage: the time and the moment of handover.
Time is a problem because delay loss is excluded on virtually every policy. If a line stands idle because you were an hour late, the loss is far greater than the carriage charge and than the value of the part. You do not limit that liability with insurance but with your own terms of delivery.
The moment of handover is a problem because you leave the vehicle dozens of times a day and because you have to be able to show to whom you delivered. If you mainly carry large numbers of small consignments in a fixed network, transport insurance for parcel services is the more suitable arrangement.
What does transport insurance for courier services cover?
The structure of the cover in three parts, with an overview per situation below.
The basis
Actual value
What the cargo is actually worth.
Not capped per kilogram
Regardless of who is liable
Including freight and costs
The difference
Liability
What a carrier bears at most.
CMR: 8.33 SDR per kilo
AVC: € 3.40 per kilo
Rarely the actual value
Optional
Type of cover
From limited to all risks.
All external perils
Limited perils
Storage in transit
What is covered
Situation
Carriers' liability
Goods in transit
Damage from an accident, up to the weight limit
Yes
Yes
Damage above the weight limit
No
Yes
Theft of the cargo
Sometimes
Yes
Damage with no identifiable fault
No
Yes
Storage during the journey
No
Sometimes
Inherent defect or inadequate packaging
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
You do not insure delay, you limit it
Consequential loss from late delivery is excluded as standard, and with urgent carriage that is precisely the risk you are held responsible for. Provide in your terms that your liability for delay is limited to no more than the carriage charge, as the carriage conditions do. If you promise a hard time window in a contract with a penalty clause, you take on an obligation that cannot be placed with any policy.
The unattended vehicle during delivery
The van stands alone for a few minutes at every stop, often with the engine running and with other consignments inside. Policies set firm requirements for this: locked, key not in the ignition, load space closed, in some cases within sight. A theft during those minutes is the most common courier claim and at the same time the most frequently rejected. Put the requirements literally into the working instructions and not as a general encouragement to be careful.
Without proof of delivery there is no delivery
A signature, a time-stamped scan or a photograph of the place of delivery is the only thing that shows the consignment arrived. If that is missing, there is nothing to set against the consignee's assertion. If you leave a parcel with a neighbour or behind a gate without express instructions from the sender, that is your own choice and not a covered event. Record who may give permission for an alternative delivery.
Documents, securities and personal data
Couriers regularly carry items whose value does not lie in the object: original deeds, passports, cheques, keys, medical files. Money and securities are almost always excluded on a goods policy, and so are the costs of having a document drawn up again. If a consignment containing personal data disappears, a notification duty and a liability question also arise which fall outside this policy.
What does your premium depend on?
Value per consignment. Both the average and the highest value per journey determine the limit needed.
Number of stops per day. Every stop is a moment at which the vehicle is briefly unattended. That number counts in the risk.
Working area. Inner-city delivery, rural journeys or international urgent runs each produce a different profile.
Type of consignments. Documents, urgent medical consignments, technical parts and valuable goods are assessed separately.
Security of the vehicle. A separate load compartment, an alarm and a tracking system lower the risk during short stops.
Your terms of delivery. Whether you have limited liability for delay contractually counts in the underwriting.
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.
Hardly ever. The consequential loss of late delivery, such as a production line standing idle or an operation being missed, falls outside goods cover and outside carriers' liability above the carriage charge. So protect yourself through your own terms and be cautious about contractual penalty clauses on delivery times. You bear that obligation entirely yourself.
Is theft from the van during delivery covered?
Only if the vehicle met the requirements in the policy. Virtually every set of conditions calls for a locked vehicle with the key out of the ignition and a closed load space. A van standing outside the door with the engine running counts as unattended, and the theft cover then lapses, however brief the moment was.
Are documents and securities included?
Money, cheques, securities and similar items are excluded as standard on a goods in transit policy. For original documents, at most the material value of the paper is paid and not the cost of replacing them or having them drawn up again. If you carry consignments of this kind as a matter of course, a separate arrangement is essential.
May I deliver without a signature?
You may if the sender has instructed you to do so and that instruction has been recorded. If you do it on your own initiative, for example by leaving the parcel behind a gate, you bear the risk if the consignment disappears. In that case work with a photograph and a time stamp, and record in advance who may give such an instruction.
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.
