Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Turien & Co · compared independently · advice from Finass
Truck insurance through Turien & Co
With a truck, the vehicle, the body and the load are three different insurances, and the most expensive of the three is usually not on the lorry policy.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Vrachtautoverzekering via Turien & Co — vergelijk & bereken premie.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The motor insurance on a truck covers liability under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and, if you choose it, the vehicle itself. What is in or on it is not included. Goods you carry for someone else are damage to the load and belong with carrier's liability insurance, where the CMR Convention or the AVC conditions determine the extent of your liability.
The third element is the structure. A lorry-mounted crane, a tipper, a refrigeration unit, a hook lift or a tanker body often represents a considerable part of the value and has its own risk profile. Damage caused with a lorry-mounted crane while the vehicle is stationary is, moreover, not automatically traffic damage; working-risk cover is needed for that.
You also carry the risk relating to staff. You are liable for damage your driver causes to third parties under Article 6:170 of the Dutch Civil Code, and for their own injury in traffic the duty of care under Article 7:611 of the Dutch Civil Codeapplies. We assess the truck product through Turien & Co against these dividing lines.
Through Finass or direct with Turien & Co?
The structure of the cover in three parts, with an overview per situation below.
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 Turien & Co'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 Turien & Co |
|---|---|---|
| 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 Turien & Co 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.
The load is not part of the lorry policy
If the vehicle overturns and the entire load is lost, the own-damage cover pays for the vehicle and nothing for the goods. Your liability as a carrier is limited by the CMR Convention for international transport and by the AVC conditions within the Netherlands, but that liability does have to be insured. If you carry your own goods, own-account transit cover or goods-in-transit insurance is the appropriate form.
Working with the crane is not driving
A lorry-mounted crane setting a load down on the pavement causes damage while the vehicle is stationary. Whether that falls under the WAM cover or under your business liability insurance depends on whether the vehicle was functioning at that moment as a piece of equipment or as a motor vehicle. Without express working-risk cover you end up between two policies. Have that fit checked in advance.
Register trailers and semi-trailers separately
A coupled trailer or semi-trailer runs with the towing vehicle for liability purposes, but own damage to the trailer itself does not. Every trailer, semi-trailer and swap body should be on the policy with its own registration number. If you change equipment regularly or hire in temporarily, have an arrangement included that covers this instead of having to notify each time.
Dangerous goods and special journeys
Carriage of dangerous goods under ADR, abnormal loads and journeys outside the area declared are not automatically covered. Collisions with a viaduct or canopy because of the declared vehicle height also lead to discussion. Report the type of transport, the maximum height and the operating area when you take out the policy; a departure from it affects the description of the risk and therefore the cover.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
- Weight class and number of axles — A rigid lorry, a tractor and semi-trailer and a heavy combination differ in potential loss and repair costs.
- Type of body — A crane, tipper, refrigeration or tanker determines both the value of the vehicle and the additional working risk.
- Working area — Regional distribution, national haulage or international transport lead to different mileages and risks.
- Type of transport — Building materials, waste, foodstuffs or dangerous goods each have their own acceptance conditions.
- Drivers and fleet — The number of drivers, their experience and the claims record across the whole fleet count in setting the premium.
- Storage and security — A locked and guarded site is assessed differently from a vehicle parked at the roadside overnight.
Insurers weigh these details differently. That is why comparing pays off.
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.
9.5New policy
9.8Claims handling
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.
Frequently asked questions
The questions we are asked most often about this.
Does my truck insurance cover the load I carry?
No. Own-damage cover covers the vehicle, not the goods in it. If you carry for third parties, you need carrier's liability insurance; your liability is then limited under CMR or the AVC conditions. If you carry your own goods, there is no liability but there is your own loss, and own-account transit or goods-in-transit cover exists for that. These two forms are not interchangeable.
Who pays for damage caused by my driver?
Your business, under Article 6:170 of the Dutch Civil Code. Recovery from the driver themselves is only possible in cases of intent or wilful recklessness, because Article 7:661 DCC protects them otherwise. That means your drivers' claims record feeds straight into your premium and that it pays to record driving behaviour and instruction, including towards your insurer.
Is my driver themselves insured in an accident?
Not through the third-party liability cover; that is there for third parties. For injury to your own driver in traffic, the duty of care under Article 7:611 of the Dutch Civil Code applies, which requires you to arrange proper insurance. You arrange that with occupants' insurance or employer's liability cover for motor vehicles. Without that cover the claim lands directly with your business.
What happens with a claim abroad?
The third-party liability cover applies within the area on the green card. For own-damage cover, recovery and a replacement vehicle that is a separate agreement, and with a lorry those costs are high: recovering an overturned combination, transhipping the load and clearing the road quickly mount up. Have it recorded whether recovery and clearance costs are covered.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.