Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Insuring a vehicle with a green registration plate
You insure a green trade plate not per car but per plate: the cover travels with the registration fitted to the vehicle.
- 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
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
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.
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We compare your motor trade 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 the insurer?
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 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.
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.
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.
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.
Frequently asked questions
This is what people ask us most.
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.
Every situation is different. For these situations we have a separate page.
- Compare motor trade insuranceThe main page
- Insuring a trade plateGreen plate, test drives, conditions
- Garage insurance for car dealersTrading stock, premises, buying in
- Garage insurance for car wash businessesPaint damage, the installation, customer vehicles
- Garage insurance for truck servicingHeavy vehicles, lifts, downtime
- Insuring a tractorRegistration requirement, implements, use
Read more
Within Garageverzekering
Similar pages
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.