WA (Third Party Liability)
Mandatory. Covers damage to third parties (persons/property) caused by your truck.
Truck insurance
Business insurance with third-party liability , third-party liability + limited coverage, or comprehensive coverage . For distribution, construction, logistics, and international transport. Finass Verzekert compares multiple insurers for the best price and terms.
Quick start
- Provisional coverage possible
- Fixed point of contact
- Response within 1 working day
Which coverage suits your truck?
Third party liability + Limited Casco
Fire, theft/burglary, storm/hail, and window damage. A popular choice for young, used trucks.
Fully comprehensive (all-risk)
Also includes own damage (collision, vandalism). Recommended for new or highly valued vehicles.
What determines the premium?
Vehicle data
Type (rigid truck/tractor), weight (GVW), year of manufacture, catalogue or current value and structure (crane/refrigerated).
Use & routes
National or international transport, mileage, ADR/exceptional, distribution or construction logistics.
Drivers & claim-free years
Experience and level influence the premium. A good claims history results in a discount.
Security
SCM/CCV alarm, immobilizer or track & trace may be mandatory and help reduce the premium.
Coverage & supplements
Third-party liability/Limited Casco/Comprehensive insurance plus modules such as SVI, legal assistance, and cargo/goods.
Damage & no-claim
Report damage
24/7 reporting. We engage repair/experts and coordinate with the other party.
Step & relapse
Damage affects your no-claims policy. You may sometimes have to pay for minor damages yourself to reduce your future premium.
Own risk
Opt for a lower premium. The amount and terms vary by coverage and insurer.
Theft & total loss
( WA+ ) covers fire, theft, and glass. Comprehensive insurance also covers personal damage. Consider the (new) value scheme.
Accessories & construction
Want to insure your refrigeration system, loading crane, or superstructure? This is possible through comprehensive insurance/additional coverage; check your policy.
No-claim protection
Sometimes possible: protects discount for one claim per year (conditions vary).
Additional coverage
SVI (occupants)
Compensates for injury and property damage to the driver and passengers, even if they are at fault.
Legal assistance traffic
Legal assistance with claims and disputes concerning liability or contracts.
Cargo/goods
Coverage for transported goods (national/international). Tailored to your industry.
Roadside assistance (EU)
Roadside assistance. Optional replacement transportation and repatriation where possible.
Trailer/semi-trailer
Specific cover for semi-trailer/trailer if required.
Branches & profiles
Distribution & couriers
Short routes, many stops: different risks → tailor-made premium.
Construction & crane
Construction, hoisting work and work equipment: additional conditions may apply.
Cooled and conditioned
Coordinate refrigeration system/temperature risks in hull and cargo.
Frequently Asked Questions
Is truck insurance mandatory?
Yes. Every truck on public roads must have at least third-party liability insurance.
Am I insured abroad?
Usually, yes; this depends on the coverage and countries you choose. We'll discuss this with you in advance.
Can I cover multiple trucks on one policy?
Yes, through fleet insurance. Useful for growth or seasonal use.
How quickly will I be insured?
Often the same working day with provisional coverage once everything has been approved.
Are accessories/superstructures also insured?
Yes, often through hull insurance or additional clauses. Please specify your structure/accessories when applying.
Request your no-obligation quote
We compare multiple insurers and arrange everything quickly and clearly.
