Third-party liability
- Compulsory from registration onwards
- A trailer while coupled
- Also for private use
Insuring a van fleet
As soon as your vans are on one fleet contract, the bonus-malus per vehicle disappears and your own claims burden becomes the unit of account on which the premium is set afresh each year.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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 activities
- 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 fleet policy is not a bundle of separate policies with a discount. It is one contract in the company's name, covering all the vehicles, in which the premium follows not from steps per vehicle but from the claims burden of the fleet. That changes how you run the business: a claim that used to cost one van a step now weighs on the contract as a whole and feeds through into the renewal for the following year.
The second change is administrative. A fleet contract has a adjustment arrangement: new vehicles are covered provisionally from purchase and are added and removed periodically, with a settlement afterwards. That only works if your records are accurate. A van that has never been added falls outside the contract when there is a claim, and that is the most common disappointment with fleet policies.
Third, liability shifts to the company. For mistakes by your employees during their employment you are liable under Article 6:170 of the Dutch Civil Code. Recovering the excess from the driver concerned is only allowed to a very limited extent: Article 7:661 of the Dutch Civil Code permits it only in cases of intent or wilful recklessness. Prevention policy is therefore the only real lever you can pull.
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Van fleet: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, break-in damage, fire, storm and glass.
- Break-in damage to locks
- Theft of the vehicle
- Glass and stone chips
Contents and fit-out
Tools, materials and the fit-out in the load space.
- Own goods in transit insurance
- Racking and load floor
- Roof rack and towbar
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Collision with another vehicle | Yes | Yes | Yes |
| Break-in damage to doors and locks | No | Yes | Yes |
| Tools stolen from the load space | No | No | No |
| Damage you cause yourself while reversing | No | No | Yes |
| Racking system and load floor | No | Sometimes | Sometimes |
| Damage to third-party goods during loading and unloading | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Size of the fleet. The number of vans determines whether rating takes place per vehicle or on the basis of the claims burden.
- Claims burden over previous years. The ratio between claims paid and premium is at the heart of how the premium is set.
- Composition of the fleet. Vans, cars and heavier equipment within one contract carry different weight.
- Driver policy. Vans permanently allocated, or pool use with changing drivers and agency workers.
- Excess per event. A higher excess lowers the premium and keeps small claims out of the claims burden.
- Preventive measures. Reversing cameras, driving behaviour recording and a claims protocol are taken into account at renewal.
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.
Claims burden instead of bonus-malus
With a fleet contract the premium is reviewed periodically on the basis of the ratio between claims paid and premium paid over recent years. One large claim weighs less heavily in this than a persistent pattern of small parking and reversing claims. So ask for a claims burden report per vehicle and per driver. Without those figures you are steering blind, and at the renewal negotiation you have no argument at all against an announced increase.
The records of changes are the weak point
With fleets, adding and removing vehicles is often done retrospectively, with a periodic settlement. That works as long as the provisional cover on new purchases is properly arranged and the deadline is met. If a van is sold but not removed, you keep paying; if a new van is not added, the question when there is a claim is whether the period of provisional cover was still running. Designate one person as responsible for these notifications.
Recovering the excess from the driver is barely allowed
Many companies want to pass the excess on to the member of staff who caused the damage. That is only allowed in cases of intent or wilful recklessness, as Article 7:661 of the Dutch Civil Code provides; ordinary clumsiness does not fall within it. A clause in the employment contract does not change that, apart from limited exceptions. If you want to influence behaviour, steer through instruction, a claims protocol and periodic feedback per driver rather than through passing on costs.
What falls outside the contract
Three situations consistently fall outside the cover. Vehicles that have not been added and for which no provisional cover was still running. Damage caused by a driver without a valid entitlement to drive or under the influence, in which case the insurer recovers from the driver under the third-party liability cover. And the capacity of the load space, which is not included in any fleet contract. Fines and administrative charges for traffic offences are not insurable either.
Tools fall outside every car policy
What is in the load compartment is not part of the vehicle. Own-damage cover does not pay for its theft, not even under comprehensive cover. That calls for separate goods-in-transit insurance, with conditions attached: usually a locked garage, or emptying the van outside working hours.
Declare the fit-out with its value
A racking system, load floor, roof rack, tow bar or refrigeration unit raises the value but is not included in the list price. Without a declaration, only the bare vehicle is paid out in the event of a total loss, while the fit-out easily represents several thousand euros.
Frequently asked questions
This is what people ask us most.
From how many vehicles is a fleet contract worthwhile?
Insurers apply different thresholds, often from a handful of vehicles upwards. It becomes worthwhile as soon as managing separate policies with their own renewal dates and their own bonus-malus steps costs more than it produces. Always ask for a comparison: with a small claim-free fleet, separate policies with steps already built up can still work out better than a claims burden contract.
What happens to the no-claims discount I have built up?
It lapses within the fleet contract, because there are no longer bonus-malus steps per vehicle. Instead, the claims burden of the whole fleet counts. When you switch, ask for a claims statement covering recent years, because those figures form the basis of the offer. If the contract later ends, you generally start on separate policies without the old build-up.
Is a newly bought van insured straight away?
Usually there is provisional cover for a period stated in the contract after purchase, after which registration is compulsory. If you miss that deadline, the van may be standing on the street uninsured when a claim occurs. Give responsibility for adding and removing vehicles to one person and check the vehicle schedule against your own registration records at each settlement.
May I pass the excess on to the driver?
Only in cases of intent or wilful recklessness. Article 7:661 of the Dutch Civil Code protects the employee against liability for damage he causes at work, and ordinary mistakes fall within that. A clause in the employment contract in principle changes nothing. You steer claims behaviour more effectively with instruction, feedback per driver and preventive equipment in the van.
Every situation is different. For these situations we have a separate page.
- Compare van insuranceThe main page
- Insuring a business vanIn the company name, several drivers, fleet
- Insuring a van for a self-employed professionalOne vehicle, private and business, tools
- Insuring a van for a courier serviceMany stops, changing drivers, load
- Insuring a van with a commercial registrationTax requirements, private use, fitting-out
- Insuring an electric vanBattery pack, charging cable, NEN 9140
- Fleet insuranceSeveral vehicles, settlement afterwards, claims burden
- Compare fleet insuranceFrom three vehicles, your own claims burden, changes
Read more
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.