Skip to main content

work equipment verzekeren & compare premiums

Verzeker uw work equipment — WA/WAM op de weg, casco tegen diefstal en schade, en machinebreuk voor interne defecten. Op eigen terrein of op de bouwplaats: wij stemmen de dekking af op uw inzet. Wij vergelijken meer dan 30 Nederlandse verzekeraars. Onafhankelijk advies van Finass Insures — AFM registered en Kifid-aangesloten.

Calculate my premiumCall 072 - 509 24 56
AFM registeredKifid affiliatedIndependent advisor
Compare independently
30+ insurers
WAM, casco & Machine breakdown
Personal advice
Insuring work equipment with Finass Verzekert

What is work equipment insurance?

work equipment You insure equipment such as forklifts, excavators, and aerial work platforms against liability, theft, and damage. For equipment subject to registration on public roads, a mandatory WA (WAM); on your own property, liability falls under your business liability (AVB).

For valuable equipment is machine breakdown coverage recommended: it covers an internal mechanical or electrical defect that standard hull insurance does not cover. At Finass Insures we compare more than 30 insurers and set up a suitable equipment policy.

What should you look for in work equipment insurance?

Pay attention to the WAM for road use, comprehensive coverage, machinery breakdown, liability on the premises, and a scheme for business interruption or downtime. We provide independent advice.

Which coverage suits your work equipment?

For work equipment, you can choose from Third-Party Liability/Third-Party Liability, Third-Party Liability + Comprehensive, and All-Risk with machine breakdown. The choice depends on the value, the application, and the risk.

BASIC

Third-party liability insurance

Legally required minimum

Third-party liability (WA/WAM) covers damage to others. This is mandatory for registered equipment on the road; on your own property, your business liability (AVB) applies.

What is covered:
  • Damage to other vehicles
  • Personal injury to third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Populair: casco & Machine breakdown

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

For expensive or new equipment

The most comprehensive coverage, including own damage and machine breakdown (internal defect), often with provisions for business interruption or downtime.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of coverages for your work equipment
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder equipmentRegularly deployedNew equipment

Additional coverage for your work equipment

Complete the insurance for your work equipment with these modules and extensions.

Casco & diefstal

Coverage for theft, fire, and damage to your equipment, on the premises and on the road.

Machine breakdown

Vergoeding bij intern mechanisch of Electric defect — wat gewone casco niet dekt.

Liability (WAM/AVB)

Legal liability on the road (WAM) and business liability on the premises.

Bedrijfsschade & stilstand

Covers (part of) the costs if the equipment breaks down after damage.

PREMIUM CALCULATION

What does your work equipment premium depend on?

The premium for work equipment depends on the type and value of the machine, the application (off-road or road), the usage, the security, and the chosen coverage.

By comparing via Finass Verzekert, you immediately see which insurer insures your work equipment at the lowest cost.

1
Type & waarde machine
Deployment (terrain/road)
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Security and claims history
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insuring your work equipment or switching: this is how it works

The best way to insure your work equipment is with the right coverage that suits your usage. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your work equipment
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

When it comes to construction equipment, pay attention to the WAM regarding road use, machine breakdown, and the downtime regulations. We find the insurer that offers the most favorable coverage for your equipment and handle the entire switch.

Insure your work equipment or switch with Finass Verzekert

Frequently asked questions about your work equipment

All the answers to the most frequently asked questions about your work equipment at a glance.

Is insuring work equipment mandatory?

For work equipment requiring registration that uses public roads, mandatory third-party liability (WAM) insurance applies. On private property, liability is covered by your business liability (AVB) insurance. We tailor the coverage to your specific activities.

What is machine breakdown and why is it important?

Machinebreukdekking vergoedt schade door een intern mechanisch of elektrisch defect — iets wat gewone casco niet dekt. For valuable equipment is dit sterk aan te raden.

Which coverage should I choose for work equipment?

You can choose from Third-Party Liability/Third-Party Liability, Third-Party Liability + Comprehensive, and All-Risk with machine breakdown. The choice depends on the value, usage, and risk. We compare the options for your company.

Does the coverage apply on private property and on the road?

Yes, the coverage can apply on private property and construction sites as well as on public roads. Motor Vehicle Liability Insurance (WAM) is mandatory for roads. We tailor the coverage to where you work.

Are theft and damage covered?

With comprehensive coverage, you are insured against theft, fire, and damage to your work equipment. Security and storage are often a condition. We ensure that everything is right.

Do I receive compensation for standstill?

With additional coverage for business interruption or downtime, you cover (part of) the costs if equipment becomes unavailable following damage. We include this in our advice.

How much does it cost to insure work equipment?

That depends on the type and value of the machine, the application (off-road or on-road), the usage, and the chosen coverage. By comparing, you will find the most competitive premium.

Kan ik meerdere machines in één polis verzekeren?

Yes, equipment can often be insured under a collective or equipment policy, which provides clarity and benefits. We set this up for your company.

Personal advice on your work equipment at Finass Verzekert
Finass mascot

Why insure your work equipment via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for your work equipment. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of work equipmentWAM, Machine breakdown & stilstand
  • Personal adviceAvailable 6 days a week

What our customers say about their work equipment

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Ons materieel staat nu op een overzichtelijke polis, inclusief Machine breakdown. Finass adviseerde deskundig en scherp.”

G
Gerlof J.
Allrisk + Machine breakdown — materieel

“Fijn dat er onderscheid is tussen inzet op terrein en op de weg. Helder advies.”

H
Hidde N.
WA/WAM — work equipment

“Na een defect kwam de machine breakdown coverage goed van pas. Prettig geregeld.”

M
Meindert G.
All-risk — materieel, stilstand

“Persoonlijk geholpen bij het verzekeren van ons work equipment. Aanrader.”

S
Sjoerd F.
WA + Casco — work equipment

Related insurances

View the insurance that suits your vehicle.

Heftruck →

A forklift for internal transport and warehouse work.

Graafmachine →

An excavator for earthmoving and demolition work.

Hoogwerker →

An aerial work platform for working at height.

Tractor →

Third-party liability, hull and implements.

Category: Commercial  ·  Vehicle  ·  work equipment  ·  Tractor

Ready to your work equipment to insure?

Calculate your premium and discover with which insurer your work equipment is well and affordably insured. Personal and independent advice from Finass Verzekert.

Damage or breakdown on the road? Emergency line 24/7: 06 - 55 20 40 72