Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Van insurance through Turien & Co
With a van, the biggest loss is usually not the bodywork damage but what was in the load space, and that does not fall under own-damage cover.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A van is used for business, covers a lot of kilometres and is often driven by changing drivers. The compulsory third-party liability cover follows from Article 2 of the Dutch Motor Insurance Liability Act (WAM) and covers damage to third parties. Own-damage cover covers the vehicle. What falls between the two is the cargo: tools, machines and materials you take with you are not part of the vehicle and are therefore not insured.
On top of that comes the staffing side. If an employee drives, you as the employer are liable for the damage he causes to someone else during his work under Article 6:170 of the Dutch Civil Code. If the employee is injured himself in traffic, the duty of care under Article 7:611 of the Dutch Civil Codecomes into play, which presupposes proper insurance for your staff's road use.
We test the van product available through Turien & Co on these three points and set it alongside other providers, including a.s.r., NH1816 and Vereende.
Independent, personal, sorted quickly
We compare your van insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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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.
What does your premium depend on?
- Weight class and body. A short closed van, a long high van and a chassis cab with a body differ in claims burden and repair costs.
- Business use and sector. An installer with expensive fitted equipment, a courier service with urban mileage and a landscaper with a trailer are different risks.
- Number of kilometres per year. Vans generally cover far more distance than cars. The figure declared weighs heavily in the premium.
- Circle of drivers. A regular driver is assessed differently from a vehicle driven by changing staff and young drivers.
- Security and overnight storage. The alarm class, door security and whether the van is kept indoors or on the street are taken into account for theft and break-ins.
- Claims history of the fleet. With several vehicles, the combined claims history is looked at and not just this one vehicle.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Tools in the load space are not insured
Own-damage cover covers the van, not the contents. If the van is broken into and your entire tool set disappears, own-damage cover pays only for the damaged lock and door pillar. For the contents you need a separate business contents or tools cover, usually with the requirement that the van is locked and that valuable items are not left in the vehicle overnight. Record the serial numbers of your machines.
Who drives determines who is liable
If a member of staff causes damage to a third party with the company van, your company is liable for it under Article 6:170 of the Dutch Civil Code. Recovery from the employee himself is only possible in cases of intent or wilful recklessness; Article 7:661 of the Dutch Civil Code protects him beyond that. If you work with agency workers or self-employed professionals, have it recorded in advance who may drive the vehicle and whether young drivers are insured.
Injury to your own driver falls outside third-party liability cover
The compulsory third-party liability cover protects third parties, not the driver himself. If your member of staff is injured in a single-vehicle accident, nothing is arranged without additional cover, while under Article 7:611 of the Dutch Civil Code you are held to account for the absence of proper insurance. Occupants' insurance or employer's liability cover for motor vehicles fills that gap.
Declare roof racks, ladders and modifications
A van is rarely driven in standard form. A roof rack, a commercial vehicle fit-out, a towbar, an inverter or a cooling unit only forms part of the insured value if it has been declared. Collisions with a viaduct or car park because of the height of the body are also a common type of claim in which the insurer looks at the height declared. Mention signwriting too, because restoring it counts towards the cost of the claim.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Are my tools insured if the van is broken into?
Not under the vehicle's own-damage cover. That calls for a separate tools or business contents cover. It almost always carries conditions: the van must be locked and secured, and expensive machines may not be left in it overnight. Keep an up-to-date list with make, type and serial number. Without that evidence the size of the loss is hard to prove.
May an agency worker drive my van?
That depends on the drivers clause. Some policies limit cover to named drivers or set a minimum age. If someone drives who does not fall within it, third-party liability cover towards third parties remains in place, but the insurer can recover the payment from you and your own-damage cover lapses. So report changing drivers when you take out the policy.
What if I drive with a trailer or machine behind the van?
As long as the trailer is coupled, the van's third-party liability cover continues to apply. That is not arranged for damage to the trailer itself and to the load on it; own-damage cover is needed for that. Also note the total weight of the combination in relation to the driver's licence, because a combination that is too heavy affects the cover.
Does the cover also apply on journeys abroad?
Within the area on the green card, third-party liability cover applies. For own-damage cover, assistance and a replacement vehicle that is a separate question, certainly with a company van with fitted equipment for which an equivalent replacement is not readily available. If you regularly drive across the border, have that recorded rather than relying on a standard arrangement.
Every situation is different. For these situations we have a separate page.
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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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.