WEGAS employer's liability through Turien & Co
The basic variant is aimed at injury to employees connected with their work, with participation in traffic as the main focus. What exactly falls under it is set out not in the product name but in the authorised agent's set of conditions.
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In brief
Turien & Co Assuradeuren is an authorised agent: acceptance and claims handling take place there, while an insurer behind it carries the risk. For this cover that mainly matters for the text you rely on. Compare not the product name but the conditions numbernamed, because with employer's liability in particular the differences lie in the definitions: who is an employee, when is an accident work-related and which heads of loss are compensated.
In substance it concerns injury to or death of employees at work, with traffic as the main category. The reason for that is legal: a driver who causes an accident themselves cannot rely on the vehicle's third-party liability cover, because that exists for injured third parties. Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires insurance for that liability, but the driver themselves falls outside it. Without additional provision they bear their own injury loss.
This basic variant is the narrower of two. Anyone who also wants to include accidents outside traffic or outside working hours should look at the extended XL variant. The difference between the forms of cover is set out on the hub page WEGAS and WEGAM. Finass Advies compares several insurers objectively. We explain the division of roles within an authorised agency under Turien & Co Assuradeuren.
This page deals with one situation. The full overview is on WEGAS and WEGAM: what is the difference?.
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What to look for in the basic variant
Four points that determine whether this variant is sufficient for your workforce.
The boundary of the concept of taking part in traffic
The policy often covers all forms of taking part in traffic for work: by car, by bicycle, on foot or as a passenger. Check whether the employee's own means of transport counts, whether a delivery scooter falls under it and how commuting is dealt with. The last of these is the most common restriction in the basic variant.
Not only staff on the payroll
Your duty of care extends, under Article 7:658(4) of the Dutch Civil Code also to hired-in workers. Have agency workers, interns, volunteers and self-employed professionals working under your direction expressly included in the insured group. With an authorised agency policy that is a matter of the right clause on the policy schedule; standard texts differ widely on this point.
What the policy does not pay out
Excluded are damage to property, including own damage to the car itself and damaged private belongings, intent and wilful recklessness on the part of the employee, and accidents that are unconnected with the work. Driving without a valid licence or under the influence also falls outside it, and damage caused intentionally is never insured under Article 7:952 of the Dutch Civil Code.
Compare the sum insured per event
Injury claims with permanent loss of income run over decades. So look not only at the amount per event, but also at the maximum per insurance year and at whether the costs of legal assistance and out-of-court costs fall within or outside that amount. In an accident with several occupants, that difference tells immediately.
What does your premium depend on?
- Number of employees and payroll: the basis on which the premium is set
- Share of staff who drive for work: the heart of this cover
- Types of means of transport: a van, delivery scooter or bicycle each have their own risk profile
- Insured group: with or without hired-in staff, interns and self-employed professionals
- Sum insured per event: and the aggregate per year
- Claims history involving accidents at work: earlier claims count at acceptance
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A sales representative wraps their car around a tree on the way to a client | Yes | Yes |
| An employee causes an accident in their own car on the way to a client visit | Provided that | Yes |
| A delivery rider falls off their scooter on a slippery slip road | Yes | Yes |
| A warehouse worker breaks their leg falling from the tail lift on your site | Provided that | Yes |
| An employee slips during a lunchtime walk around the business premises | No | Provided that |
| An employee is injured in a collision in their own time | No | No |
The basic variant follows traffic. What happens outside it calls for the broader description.
Frequently asked questions
This is what people ask us most.
Why is the company car's third-party liability insurance not enough?
Because that cover is intended for injured third parties. The driver who causes the accident themselves is not a third party and cannot recover their own injury loss from it. Occupants' insurance compensates part of it, but does not always match what you may owe as an employer. This cover is intended precisely for that situation.
What is the difference with the XL variant?
The basic variant is aimed at work-related accidents with an emphasis on traffic. The extended variant draws the description more broadly and can also include accidents outside traffic or outside working hours. Which situations exactly have been added differs from one set of conditions to another; have both texts set side by side before you decide on price.
Am I required to take out such an insurance?
There is no statutory insurance requirement as there is for motor vehicles. It does follow from Article 7:611 of the Dutch Civil Code that good employment practice means you must arrange proper insurance for employees who take part in traffic for work. If that provision is missing, the employee's loss can still end up at your expense, even without a breach of your duty of care.
Who do I report an accident to, the authorised agent or the insurer?
To us or directly to the authorised agent; they handle the file within their authority and involve the risk carrier in serious cases. Report as soon as you are reasonably aware, in accordance with Article 7:941 of the Dutch Civil Code, and enclose the accident report, witness statements and the police report. Do not admit liability before the file has been assessed.
Every situation is different. For these situations we have a separate page.
- WEGAS and WEGAM: what is the difference?The main page
- WEGAS XL: the extended employee cover through Turien & CoBroader description, occupational diseases, run-off
- WEGAM insurance through De VereendeMotor vehicles, the driver, commercial transport
- WEGAS and WEGAM insuranceThe traffic gap, Article 7:611 of the Dutch Civil Code, proper insurance
- Employer's liability insurance (WEGAS/WEGAM)Duty of care, traffic accidents, Article 7:611 of the Dutch Civil Code
- Road users' insurance via Turien & Co