Your Hobby Truck Well Insured
As a private individual with a truck in front private use do you need special insurance? Whether it is a classic vintage truck, An expedition vehicle, horse truck or a converted one truck camper: you will find the right coverage at Finass Verzekert.
A private truck insurance policy has been specially developed for: Hobby use. The premium is cheaper than with business insurance because you drive fewer kilometers and do not use the truck for professional transport. You are insured for tours, events, demonstrations and incidental use.
At Finass Verzekert we compare private truck insurance policies with specialized insurers. This way you get the best combination of Appraised Value Guarantee, extensive coverage and affordable premiums for your special vehicle.
Which Coverage Suits Your Situation?
Choose the coverage that suits the value and use of your private truck:
WA
From €30/month
- ✓ Harm to others
- ✗ Truck theft
- ✗ Fire & storm
- ✗ Own damage
Legally required minimum
Limited Airframe
From €50/month
- ✓ Harm to others
- ✓ Fire & theft
- ✓ Storm, hail, broken windows
- ✗ Own damage
Good price/coverage balance
Complete airframe
1.4-2.6% appraisal value
- ✓ Harm to others
- ✓ Fire & theft
- ✓ Storm, hail, broken windows
- ✓ Own damage (collision)
Valuable classics
Which Private Trucks Do We Insure?
Finass Verzekert offers insurance for various types of private trucks:
vintage truck
Classic truck 25+ years, DAF, Scania, MAN, Mercedes
Expedition Vehicle
4x4 truck, overland camper, adventure travel
horse truck
Horse transport hobby, riding school, stud farm
truck camper
Converted truck, living space on wheels
Army vehicle
Ex-defense truck, Unimog, army trucks
Event Truck
Parades, parades, demonstrations
Restoration Project
Truck under restoration, classics
Hobby Truck
Private moving, chores, hobby
🏛️ Oldtimer Truck (25+ years)
A truck van at least 25 years old qualifies for affordable classic car insurance. Youngtimers (20-25 years old) can sometimes be insured. Conditions for classic car rate:
Oldtimer trucks 35+ years old receive extra favorable rates: premium only 1.4% of the appraised value. No claim-free years required, no premium increases in the event of damage.
💰 Premium indication for Private Truck Insurance 2025
Average premium for hobby use:
| Type of insurance | Classic car 35+ | Classic car 25-35 |
|---|---|---|
| WA (legally required) | From €30/month | From €40/month |
| Complete airframe | 1.4% appraisal value | 2.6% assessed value |
| Basic annual WA premium | From €374/year | From €480/year |
| Surcharge > 3,500 kg | + €52.50 per year | |
* Premium depends on vehicle age, appraisal value, weight and coverage. No accrual of claim-free years, but also no premium increases in the event of damage.
📋 Appraisal Value Guarantee
With Full Comprehensive Insurance, your private truck is insured appraisal value, not on current value. Advantages:
Valuation report required for current value > €20,000. Valuation by VRT, TMV or FEHAC certified appraiser. In the event of damage or total loss, you will receive the appraised value.
🎯 Conditions for Hobby Use
Private truck insurance is only for: Hobby use. This means:
Important: You must have a another vehicle for daily transportation to have. The private truck should not be your only means of transport.
📊 Premium factors for Private Truck Insurance
The premium of your private truck insurance is determined by:
- → Vehicle age: Oldtimers (25+/35+) cheaper rate
- → Appraised value: Hull premium % of appraised value
- → Weight: Surcharge for > 3,500 kg or > 5,000 kg
- → Mileage: Max. 5,000-7,500 km per year
- → Storage: Enclosed space sometimes required
- → Coverage choice: WA, Limited Casco or Full Casco
- → Vehicle type: Classic car, expedition, horses, camper
🏕️ Expedition Vehicle & Truck Camper
Do you have one? expedition vehicle or truck converted into a camper? Please note: not all insurers accept converted trucks. Finass Verzekert can find suitable insurance for:
Please note: if your truck is like camper has been inspected by the RDW, camper insurance may be cheaper. Ask for advice for your specific situation.
⚠️ Please note: Converted Trucks
Many regular RV insurers accept this no converted trucks, trucks or coaches. Are you looking for insurance for your truck camper? Please contact us for personal advice. We work with specialized insurers who do offer options.
- ! Regular camper insurers exclude trucks
- ! RDW inspection as a camper can be advantageous
- ! Specialized insurers do offer cover
🛡️ Additional Coverage
Expand your private truck insurance with important additional coverage:
With classic car insurance, roadside assistance in the Netherlands is often included free of charge. Rallies without a speed element are permitted, speed or agility competitions are excluded.
Horse truck insurance
Do you have a horse truck for private use? We also offer special insurance for this:
| Usage | Type of insurance | Advice |
|---|---|---|
| Private / hobby | Private Truck Insurance | Affordable premium |
| Riding school / stud farm | Commercial truck insurance | Professional use |
| Competitions / competitions | Private + event coverage | Check conditions |
| Oldtimer horse carriage | Classic car truck insurance | 25+ years old |
Claim Free Years & Declaration
Special rules apply to claim-free years with private truck insurance:
- → Classic car: No accrual of claim-free years, but also no premium increase in the event of damage
- → Voertuig < 10.000 kg: Declaration may come from personal, van, motorcycle or truck insurance
- → Vehicle > 10,000 kg: Declaration must come from a previous truck insurance policy
- → No explanation: No problem with a classic car, with regular insurance you start without a discount
Specialized Insurers
We work with insurers who specialize in hobby and vintage trucks:
TVM and a.s.r. meet all FEHAC requirements for classic car insurance. Overwater Oldtimers offers special van and truck insurance from the age of 25.
💡 Tips for Private Truck Owners
- ✓ Valuation report: Have your truck appraised by a VRT/FEHAC recognized appraiser
- ✓ Storage: Enclosed storage can reduce premiums and is sometimes mandatory
- ✓ Mileage: Drive less than 5,000 km? Sometimes an extra 10% discount
- ✓ Club membership: FEHAC brand club can give 5% discount
- ✓ Second vehicle: Make sure you have another vehicle for daily transportation
- ✓ RDW inspection: Consider inspection as a camper for lower road tax
- ✓ Summer rate: Do you only drive in the summer? Ask for summer rates
- ✓ Several vintage cars: Extra discounts on multiple classics
📊 Private vs. Business Truck Insurance
| Feature | Private / Hobby | commercial |
|---|---|---|
| Usage | Hobby, tours | Professional transport |
| Mileage | Max. 5,000-7,500 km/year | Unlimited |
| Premium | Cheaper | Higher |
| Claim-free years | Often not applicable | Construction up to 75% discount |
| appraisal value | Possible with airframe | Usually current value |
| Second vehicle | Obliged | Not required |
