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 activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
For every motor vehicle that goes on the public road, the compulsory insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies. Vehicles in your trade stock are not registered in anyone's name and therefore have no policy of their own. The green plate fills that gap: the liability cover attaches to the registration, and the vehicle carrying the plate at that moment falls under it. If you move the plate to another car, the cover moves with it.
What that cover does not do is protect your own stock. If you have a collision in a stock car, the other party is paid; damage to the car from your own trade stock falls under trade stock or garage insurance for car dealers. Theft, fire and hail on the premises belong there too, not with the plate.
Count per plate, not per car. Every plate you want in use at the same time is a separate insured object with its own premium and its own claims history. How the use of the plate is bound by conditions is set out under insuring a trade plate.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
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 Ansvar Idea'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 Ansvar
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 Ansvar 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 cover attaches to the plate, not to the chassis number
This is the difference from ordinary car insurance. No registration of a specific vehicle appears on the policy. A trade plate does. The vehicle carrying the plate at that moment is insured. If you move the plate three times a day, the cover moves with it. That also means you do not have to register or deregister any vehicle, but you do have to know exactly where each plate is.
Own-damage cover for your own stock is not included
The plate policy is essentially liability cover: it pays for damage you cause to someone else. If you dent your own stock car during a test drive, that is your loss and the plate has nothing to do with it. If you want the vehicles themselves covered, you need cover on the trade stock, with an amount that moves with the actual level and a settlement afterwards.
Two cars at once on one plate is not possible
A plate sits on one vehicle at a time. If you want two employees to move a stock car at the same moment, you need two plates and therefore two insured objects. Businesses that underestimate this end up lending a plate around, and that is exactly the situation in which it cannot be shown afterwards which vehicle was insured. Count how many simultaneous journeys you actually make and insure that number.
A missing plate remains your risk
If a plate is lost or stolen, report it straight away to the RDW (the Dutch vehicle authority) and to your insurer. If someone else causes damage with your plate, the injured third party is paid under Article 2 of the Dutch Motor Insurance Liability Act (WAM) in any event; the insurer then seeks recovery, and the first person in the frame is you as the holder. Store plates like documents of value and record who is given one.
What does your premium depend on?
Number of trade plates. Every plate you have in use at the same time counts as a separate insured object.
Type of vehicles in stock. Cars, vans, motorcycles or heavy plant produce a different claims profile.
Type of cover chosen. Liability only, or liability together with cover on the vehicles in stock.
Circle of drivers. Only your own staff, or customers taking a test drive themselves as well.
Claims history per plate. No-claims years are recorded per trade plate, not per business.
Sum insured and excess. The statutory minimum sum is a floor; many businesses deliberately choose higher.
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.
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.
Does the green plate insure the vehicle or the plate?
The plate. The policy shows the trade plate, not the chassis number of a car. The vehicle carrying the plate at that moment is insured for liability. That means you do not have to register and deregister stock cars individually, but you must be able to show which vehicle the plate was on when the damage occurred.
Is damage to the stock car itself covered?
Not under the liability cover attached to the plate. That pays for what you cause to someone else. For damage to the cars in your own stock, including theft, fire and hail on the premises, you need cover on the trade stock. That usually works with a moving amount and a settlement based on the actual stock level.
How many plates do I need to insure?
As many as you use at the same time. A plate sits on one vehicle at a time, so two journeys at the same moment require two plates. Insure the actual number rather than lending one around. After a collision it must be possible to show which plate was on which vehicle, and that is the first question asked.
What do I do if a plate is stolen?
Report it immediately to the RDW and to your insurer, and report it to the police. If someone else causes damage with your plate, the victim is paid under Article 2 of the Dutch Motor Insurance Liability Act (WAM) in any event. The insurer then seeks recovery and looks first at you as the holder. A report already on file before the damage makes that conversation considerably shorter.
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.
