WA (Third Party Liability)
Obliged. Reimburses damage to third parties (persons/property) caused by your truck.
Truck insurance
Business insured with WA, WA + Limited Casco or All risk. For distribution, construction, logistics and international transport. Finass Insures compares several insurers for the best price/conditions.
Quick start
- Provisional coverage possible
- Fixed point of contact
- Response within 1 working day
Which coverage suits your truck?
WA + Limited Casco
Fire, theft/burglary, storm/hail, window. Often chosen for young used trucks.
Allrisk (Full Casco)
Also own damage (collision, vandalism). Recommended for new or highly valued vehicles.
What determines the premium?
Vehicle details
Type (box truck/tractor), weight (GVW), year of manufacture, catalog or current value and construction (crane/refrigerator).
Use & routes
National or international transport, mileage, ADR/exceptional, distribution or construction logistics.
Drivers & claim-free years
Experience and level influence the premium. Good claims history ensures a discount.
Security
SCM/CCV alarm, immobilizer or track & trace may be mandatory and help with the premium.
Coverage & additions
WA/Limited Casco/Allrisk plus modules such as SVI, legal assistance and cargo/goods.
Schade & no‑claim
Report damage
Report 24/7. We call in repairs/experts and coordinate with the other party.
Step & Relapse
Damages affect your no-claim. Sometimes you have to pay for minor damages yourself. future premium.
Own risk
To opt for a lower premium. The amount and conditions differ per coverage and insurer.
Theft & total loss
Bee WA+ covered (fire/theft/window). All risk also covers your own damage. Consider (new) value scheme.
Accessories & construction
Would you like to insure your refrigeration installation, loading crane or superstructure? Possible via shell/additions; check policy.
No-claim protection
Sometimes possible: protects discount for one damage per year (conditions vary).
Additional coverage
SVI (occupants)
Compensates for personal injury and property damage to the driver and passengers, even if it is your own fault.
Traffic legal aid
Legal assistance with stories and disputes about liability or contracts.
Cargo/goods
Coverage for transported goods (national/international). Tailored to your industry.
Roadside assistance (EU)
Breakdown assistance. Optional with alternative transport and repatriation where possible.
Trailer/semi-trailer
Specific coverage for semi-trailer/trailer if desired.
Industries & profiles
Distribution & couriers
Short routes, many stops: other risks → tailor-made premium.
Construction & crane
Construction, hoisting and work equipment: additional conditions possible.
Cooled and conditioned
Coordinate refrigeration installation/temperature risks in the hull and cargo.
Frequently asked questions
Is truck insurance mandatory?
Yes. Every truck on public roads must have at least third party insurance.
Am I insured abroad?
Usually yes; this depends on the chosen coverage and countries. We will coordinate this with you in advance.
Can I have multiple trucks on one policy?
Yes, through fleet insurance. Useful for growth or seasonal use.
How quickly will I be insured?
Often the same working day with provisional coverage as soon as everything has been approved.
Are accessories/superstructure included in the insurance?
Yes, often via shell or additional clauses. Please provide your construction/accessories with your request.
Request your no-obligation quote
We compare several insurers and arrange everything quickly and clearly.
