Liability
- Excavation damage to cables and pipes
- Damage to barns and floors
- Injury to bystanders on the yard
Insuring a Venieri
Venieri wheel loaders and backhoe loaders often work on farmyards and in civil engineering and road construction; there, damage to barns, cables and bystanders is a bigger risk than the machine itself.
- 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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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In brief
Venieri is an Italian manufacturer of articulated wheel loaders and backhoe loaders. In the Netherlands you mainly see the machines on farms, with agricultural contractors, in civil engineering, road and hydraulic construction and with municipalities. They are compact to mid-sized machines that both load and dig, and they are often moved between different jobs and locations.
That combination determines the insurance. If you dig with a backhoe loader, striking cables and pipes is the best-known liability risk. If the wheel loader works on a farmyard, the risk is more about damage to barns, slatted floors and floors that are not designed for heavy machinery, and injury to people walking across the yard. If the machine travels on the public road, compulsory motor insurance under the WAM applies and the machine may also need a registration plate as a mobile machine.
For the machine itself you choose own-damage cover (casco). With an articulated loader, tipping over on a slope or a silage clamp, fire caused by dust and dirt in the engine compartment and theft of the machine or its attachments are the most common claims. If the machine breaks down during the season, the downtime can cost more than the repair.
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Venieri: what is covered?
The cover you need for a Venieri depends on the value of the machine, whether you dig or only load, and whether the machine goes on the public road.
Own-damage cover
Own-damage cover protects the wheel loader or backhoe loader against tipping over, fire, theft and damage caused by operator error.
- Tipping over on a slope or silage clamp
- Fire from dirt in the engine compartment
- Theft of the machine and buckets
Downtime and transport
The extensions cover what comes into play with breakdowns and transport, such as a hired machine and damage in transit.
- Cost of downtime during the season
- Damage when carried on a low loader
- Hire of replacement equipment
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | 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?
- Nature of the yard work. Livestock farming, arable farming and industrial yard work each have their own pattern of losses.
- Machine weight and axle load. The weight in relation to the floors, slats and pit covers you drive over.
- Work at third parties or on your own yard. Working on other people's yards brings liability for their buildings and animals.
- Presence of livestock. Working among or alongside animals increases the chance of injury and of escape losses.
- Storage location. Whether the machine is kept in the livestock building, in a separate shed or outside.
- Age and maintenance. Leaking hydraulics on a farmyard are not just a breakdown but a liability risk.
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
Six points that often need attention when insuring a Venieri.
Digging near cables and pipes
With a backhoe loader you dig trenches, pits and foundations. If you strike a cable or pipe, the result is not only repair costs but sometimes also claims for business interruption at companies. Many liability policies only cover excavation damage if you made a KLIC notification beforehand and worked according to the rules. Keep the KLIC notification and photos of the trial trenches. If the notification is missing, the insurer may restrict cover.
Yard work near buildings and animals
On a farm a Venieri loads feed, manure or silage, often close to barns and among animals. If you damage a barn wall or a door, that is property damage. If you drive onto a slatted floor above a manure pit that cannot take the weight, the damage can be considerable. If you are working for someone else, that damage falls under your liability, but watch out for the care, custody and control clause for property you are working on.
Tipping over an articulated loader
An articulated wheel loader can tip over in a sharp turn with the bucket raised high or on a slope. On a silage clamp that risk is high. Own-damage cover usually pays for the damage to the machine, but the insurer checks whether the operator was qualified and whether the machine was used as intended. Make sure operators know the machine and keep the roll bar and seat belt in good order.
Fire in the engine compartment
Dust, straw and silage residues build up around the engine and exhaust. When the machine is hot, this can catch fire. Fire is covered under own-damage insurance, but if the machine is parked in a shed overnight, a fire can also affect the building and other machines. Insurers sometimes require a fire extinguisher on the machine or a fixed storage location. Clean the engine compartment regularly.
Public road and registration
If your Venieri travels on the public road between fields or to a job, it falls under the WAM and must have third-party liability (WA) cover as a motor vehicle. Mobile machines that use the public road may also require a registration plate. Check with the RDW what applies to your machine. Damage you cause on the road then falls under the WA cover and not under business liability.
Attachments and quick couplers
A Venieri is often used with several buckets, a pallet fork, a silage fork or a bale clamp. These attachments are sometimes left loose on site and are popular with thieves. Declare them separately with their value so that they are covered under the own-damage policy. If the quick coupler does not work properly and an attachment comes loose, this can cause injury or damage; that falls under your liability.
Frequently asked questions
Questions owners of a Venieri wheel loader or backhoe loader ask us.
Do I need a registration plate for my Venieri?
If your machine travels on the public road, it may require registration as a mobile machine. The rules depend on the type and the maximum speed. On your own land or on a closed construction site no registration is needed. Check with the RDW what applies to your machine. Regardless of registration, a machine on the public road must have third-party liability (WA) cover.
Is excavation damage to a cable covered by my insurance?
Excavation damage to cables and pipes usually falls under business liability, but many insurers make it a condition that you made a KLIC notification and dug carefully. A higher excess often applies to this type of damage as well. Keep the KLIC notification and document your working method, so that in the event of a claim you can show that you worked according to the rules.
Is my Venieri insured if it is stolen?
Theft is covered under own-damage insurance, provided you meet the insurer's security requirements. These requirements depend on the value and may include an immobiliser, a track-and-trace system or storage in a locked building. If the machine is left unsecured on a construction site overnight, the insurer may limit the payout.
What if my machine breaks down during the season?
Own-damage insurance pays for the repair, but not for the turnover you lose. For agricultural contractors, that downtime during the season can be more expensive than the damage itself. Some insurers offer an extension for the hire of replacement equipment or for business interruption following a breakdown. Discuss with us whether that makes sense in your situation.
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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.