Liability
- Third-party liability (WA) required on public roads
- Cable and pipe damage during excavation
- Damage to gardens and paving
Insuring a Yanmar
With Yanmar equipment, the most expensive damage often occurs to the engine or hydraulics, and that is exactly where the line between own-damage cover (casco) and machinery breakdown lies.
- 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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Additional questions follow per chosen insurance.
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- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
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Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Yanmar is a Japanese manufacturer best known for diesel engines and compact equipment. In the Netherlands, Yanmar is a common sight in mini and midi excavators, including the tight-swing models of the ViO series, as well as compact wheel loaders, tracked dumpers and compact tractors. Yanmar engines are also built into machines of other brands and into boats.
Compact Yanmar machines are used by landscapers, groundworkers, installers and hire companies. They are small enough to be carried on a trailer and often work in gardens, back alleys and inner-city projects. That makes theft and damage in transit important risks, as well as cable and pipe damage during excavation in built-up areas.
When the machine itself is damaged, the question is often whether it was a sudden external event or an internal defect. Tipping over, a collision or fire falls under own-damage cover. An engine that seizes due to contaminated fuel or a hydraulic pump that fails is usually excluded and requires separate machinery breakdown cover. Proper maintenance according to the dealer's schedule is your most important evidence here.
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Yanmar: what is covered?
The right choice depends on the value of the machine, the work you do with it and whether you often carry it on a trailer or hire it out.
Own-damage cover
Pays for damage to the machine from collision, tipping over, fire, storm or theft.
- Tipping over on a slope
- Theft from the building site
- Declare attachments separately
Downtime and transport
Cover for the moments when the machine is not working but is still at risk.
- Loading and unloading the trailer
- Storage on site or at your yard
- Replacement machine during downtime
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?
- Operating hours and year of manufacture. Both determine the chance of engine damage and the size of any payment.
- Machinery breakdown cover. Whether damage to the engine and driveline through an inherent defect is insured.
- Fuel management. Fuelling at a filling station or from your own tank or IBC on the work site.
- Maintenance contract. Recorded intervals limit the argument between damage and wear.
- Nature of the work. Own use, hire or seasonal work with long periods of standstill.
- Storage out of season. Where and how the machine stands in the months when it is not being used.
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 situations that occur in practice with Yanmar equipment.
Contaminated fuel
After refuelling from a jerrycan on site, the engine starts to falter and then seizes. The cause turns out to be water or dirt in the diesel. The engine damage is not covered by standard own-damage cover, because it is not damage from outside. Machinery breakdown cover can sometimes pay for this, but it excludes wear and inadequate maintenance. Use clean jerrycans, replace fuel filters on time and keep your maintenance invoices.
Mini excavator off the trailer
After a job, you load your mini excavator onto the trailer. The ramps slip away and the machine tips off the trailer. The damage to the machine falls under own-damage cover if tipping over is included, but loading and unloading is not covered as standard on every policy. Damage to the trailer and to a car parked next to it are separate questions. Check whether loading and unloading is explicitly mentioned in your conditions.
Theft from a garden
You are working in a back garden for a week and leave the mini excavator there overnight. At the weekend the machine disappears. Compact excavators are popular with thieves because they are easy to load. For higher values, insurers often require an approved tracking system and an immobiliser. If that security is missing, the payout may lapse or be limited. Have the security fitted and keep the certificate.
Cable hit in a back alley
While digging for a sewer in a back alley, you hit an electricity cable that was not on the drawing. The grid operator claims the repair costs and the residents are without power for hours. The damage falls under the liability section of your plant and equipment policy or under your business liability (AVB), depending on how they are set up. The insurer checks whether you made a KLIC notification and dug trial trenches. Record that.
Tipping over on an embankment
While excavating an embankment or working on a slope, a compact machine tips over sideways. The cab and the boom are damaged and the operator may be injured. Own-damage cover pays for the damage to the machine, provided tipping over is included. For injury to an employee, employer's liability comes into play. With such claims, insurers look at whether the machine was used within the limits set by the manufacturer.
Hiring out to a colleague
You hire out your midi excavator for a few days to a contractor you know. During that period the machine is damaged by an operating error. Hiring out is not included as standard on every policy and often has to be reported in advance. Without notification, cover may lapse. Set out in a simple hire agreement who is liable for damage and whether the hirer insures the machine themselves.
Frequently asked questions
Questions owners of Yanmar equipment ask us.
Does my Yanmar mini excavator need third-party liability cover?
As soon as the mini excavator drives on a public road, even for a short move, third-party liability (WA) insurance is mandatory. If it is only carried on a trailer and used on enclosed premises, that obligation does not apply. Even so, liability cover is sensible, because damage to others can also occur when digging in a garden or next door.
Is engine damage to my Yanmar covered?
Engine damage from a collision, tipping over or fire falls under own-damage cover. An engine that seizes due to an internal defect, contaminated fuel or overheating is usually excluded. For that you need machinery breakdown cover. Even then, wear and poor maintenance are excluded. A service history with an authorised dealer helps to show that the defect occurred suddenly.
Are my attachments included?
Buckets, a sorting grab, a hydraulic breaker or a quick coupler together often represent considerable value. They are not always automatically included. Declare them separately with their value and register the serial numbers. Also check whether they are insured when they are separate from the machine on site or in a van.
What value do I insure for a used Yanmar?
For a used machine, the insurer usually works on the basis of the current value. Compact equipment from well-known brands often holds its value reasonably well, but in the event of a total loss the insurer still looks at year of manufacture, operating hours and condition. Provide the purchase price, year of manufacture and extras when you take out the policy. This prevents disputes about the value after a claim.
Every situation is different. For these situations we have a separate page.
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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.