{"id":8821,"date":"2026-05-08T13:21:26","date_gmt":"2026-05-08T13:21:26","guid":{"rendered":"https:\/\/www.dhondt-insurance.com\/?p=8821"},"modified":"2026-05-20T07:47:37","modified_gmt":"2026-05-20T07:47:37","slug":"verzekering-vervoer-eigen-goederen-is-uw-materiaal-onderweg-goed-beschermd","status":"publish","type":"post","link":"https:\/\/www.dhondt-insurance.com\/en\/blog\/8821\/","title":{"rendered":"Own goods transport insurance: is your equipment properly protected on the road?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn vc_custom_1604335088253 vc_row-o-content-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-xs\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h3 style=\"color:#37719e;padding:px;text-align:;font-size:px;line-height:px;letter-spacing: 4px;font-weight:bold\" class=\"nd_options_second_font\">&gt; OWN GOODS TRANSPORT INSURANCE: IS YOUR EQUIPMENT PROPERLY PROTECTED ON THE ROAD?<\/h3> <\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-xs\"><div class=\"vc_column-inner vc_custom_1604605533394\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn vc_custom_1604335088253 vc_row-o-content-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-lg vc_hidden-md vc_hidden-sm\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h3 style=\"color:#37719e;padding:px;text-align:;font-size:13px;line-height:px;letter-spacing: 4px;font-weight:bold\" class=\"nd_options_second_font\">&gt; OWN GOODS TRANSPORT INSURANCE: IS YOUR EQUIPMENT PROPERLY PROTECTED ON THE ROAD?<\/h3> <\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-lg vc_hidden-md vc_hidden-sm\"><div class=\"vc_column-inner vc_custom_1604605544450\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_hidden-sm vc_hidden-xs\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 70px\" class=\"nicdark_section\"><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1569482474546\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left wpb_content_element\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1434\" src=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"openart-image_1778575765535_1ea14b03_1778575766478_bd54e304\" srcset=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304.jpg 2048w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-300x210.jpg 300w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-1024x717.jpg 1024w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-768x538.jpg 768w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-1536x1075.jpg 1536w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-18x12.jpg 18w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h2 style=\"color:;padding:px;text-align:;font-size:40px;line-height:50px;letter-spacing: px;font-weight:normal\" class=\"nd_options_text_align_center_responsive_important nd_options_first_font\">Own goods transport insurance: is your equipment properly protected on the road?<\/h2> <div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_hidden-lg vc_hidden-md\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1569482474546\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left wpb_content_element\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1434\" src=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"openart-image_1778575765535_1ea14b03_1778575766478_bd54e304\" srcset=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304.jpg 2048w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-300x210.jpg 300w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-1024x717.jpg 1024w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-768x538.jpg 768w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-1536x1075.jpg 1536w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2026\/05\/openart-image_1778575765535_1ea14b03_1778575766478_bd54e304-18x12.jpg 18w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h2 style=\"color:;padding:px;text-align:;font-size:25px;line-height:50px;letter-spacing: px;font-weight:normal\" class=\"nd_options_text_align_left_responsive_important nd_options_first_font\">Own goods transport insurance: is your equipment properly protected on the road?<\/h2> <div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner vc_custom_1645177486788\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p data-start=\"333\" data-end=\"514\">For many self-employed professionals and entrepreneurs, the van is more than just a means of transport. It is often a mobile workshop filled with tools, machines, materials, or goods.<\/p>\n<p data-start=\"333\" data-end=\"514\">But what if those goods are damaged, stolen, or lost while on the road? Many entrepreneurs assume their motor insurance covers this. In practice, that is usually not the case. That is why a specific insurance exists: <strong data-start=\"759\" data-end=\"785\">own goods transport insurance<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>In this article, we clearly explain what this insurance is, what it covers, and why it can be important for your business.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>What is own goods transport insurance?<\/strong><\/p>\n<p data-start=\"899\" data-end=\"1038\">Own goods transport insurance protects the value of goods or materials that you transport yourself for professional purposes. It therefore does not cover the vehicle itself, but its contents.<\/p>\n<p data-start=\"1106\" data-end=\"1128\">For example:<\/p>\n<ul data-start=\"1130\" data-end=\"1206\">\n<li data-section-id=\"2yrh5h\" data-start=\"1130\" data-end=\"1145\">tools<\/li>\n<li data-section-id=\"1gppcxq\" data-start=\"1146\" data-end=\"1158\">machinery<\/li>\n<li data-section-id=\"1ledcgz\" data-start=\"1159\" data-end=\"1190\">professional work equipment<\/li>\n<li data-section-id=\"1dou2pg\" data-start=\"1191\" data-end=\"1206\">goods<\/li>\n<\/ul>\n<p data-start=\"1208\" data-end=\"1414\">Once these goods leave your fixed location and are in transit, they are exposed to additional risks. This insurance protects you against financial loss if something happens during transport.<\/p>\n<p>&nbsp;<\/p>\n<p data-section-id=\"11y7yau\" data-start=\"1399\" data-end=\"1429\"><strong>What risks are covered?<\/strong><\/p>\n<p data-start=\"1431\" data-end=\"1575\">Depending on the selected plan, this insurance may cover damage or loss caused by unexpected events during transport. Coverage may include, among others:<\/p>\n<ul data-start=\"1620\" data-end=\"1728\">\n<li data-section-id=\"n24tkr\" data-start=\"1620\" data-end=\"1655\">damage caused by a traffic accident<\/li>\n<li data-section-id=\"y8tbdf\" data-start=\"1656\" data-end=\"1665\">fire<\/li>\n<li data-section-id=\"173bvv0\" data-start=\"1666\" data-end=\"1678\">theft<\/li>\n<li data-section-id=\"1a3wy2y\" data-start=\"1679\" data-end=\"1693\">vandalism<\/li>\n<li data-section-id=\"rwnvi2\" data-start=\"1694\" data-end=\"1728\">damage during loading and unloading<\/li>\n<\/ul>\n<p data-start=\"1730\" data-end=\"1951\">Coverage usually starts from the moment the goods are loaded and continues during transport. In many cases, protection also remains in place during short stops, such as refuelling or visiting a client.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element a { text-decoration: underline; }\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p data-section-id=\"11y7yau\" data-start=\"1399\" data-end=\"1429\"><strong>What is not covered?<\/strong><\/p>\n<p data-start=\"1980\" data-end=\"2033\">As with any insurance, there are also exclusions.<\/p>\n<p data-start=\"2035\" data-end=\"2225\">For example, damage caused by normal wear and tear or ageing is usually not covered. Damage resulting from poor packaging or an inherent defect in the goods is also often excluded.<\/p>\n<p data-start=\"2227\" data-end=\"2310\">In addition, intentional damage and gross negligence are generally not covered. That is why it is important to tailor your policy to your activities.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>What is the difference compared to motor insurance?<\/strong><\/p>\n<p data-start=\"106\" data-end=\"290\">A standard motor insurance policy covers damage to third parties and, depending on the level of cover, damage to the vehicle itself. The contents of your vehicle are usually not covered.<\/p>\n<p data-start=\"292\" data-end=\"412\">This means that damage to or loss of your tools, goods, or work equipment is often at your own expense.<\/p>\n<p data-start=\"414\" data-end=\"522\">Own goods transport insurance fills that gap and specifically protects the goods you are transporting.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>How is the compensation determined?<\/strong><\/p>\n<p data-start=\"561\" data-end=\"651\">With this insurance, a sum insured is set per vehicle or per transport. This amount must correspond to the actual value of your goods. If the value is underestimated, you run the risk of underinsurance.<\/p>\n<p data-start=\"803\" data-end=\"941\">In the event of damage, compensation is calculated based on the value of the goods at the time of the incident, possibly taking depreciation into account.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Who is this insurance interesting for?<\/strong><\/p>\n<p data-start=\"989\" data-end=\"1125\">This insurance is particularly relevant for self-employed professionals and companies that regularly transport professional equipment or goods. Think of contractors, installers, technicians, traders, and other professionals for whom their equipment is essential to carry out their work. Damage or loss in transit can then have a direct impact on the continuity of their activities.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\"><strong>Time to review your insurance? <\/strong><\/p>\n<p data-start=\"6131\" data-end=\"6223\">Do you regularly transport materials, tools, or goods for your professional activities? Then it is wise to check whether you are properly insured for this.<\/p>\n<p data-start=\"6462\" data-end=\"6535\">Not sure, or would you like to know which solution best suits your situation?<\/p>\n<p data-start=\"6537\" data-end=\"6686\" data-is-last-node=\"\" data-is-only-node=\"\">Feel free to contact Dhondt Insurance. We will be happy to review your situation together and provide clear advice tailored to your activities and risks.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t<a style=\"border: px solid;border-radius:px;letter-spacing:px;line-height:16px;font-size:16px;background-color:#37719E;padding:10px 20px;margin:;color:#FFFFFF\" rel=\"\" href=\"https:\/\/www.dhondt-insurance.com\/en\/contact\/\" class=\"nicdark_display_inline_block nd_options_float_left nd_options_font_weight_normal nd_options_first_font\">&gt; Contact us<\/a>\n\t\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><div style=\"background-color:#000000;height: 1pxpx\" class=\"nicdark_section\"><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey wpb_content_element  wpb_content_element\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn vc_custom_1645176720688\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element vc_custom_1645176635881\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Share this article:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n            <div \n                class=\"elfsight-widget-social-share-buttons elfsight-widget\" \n                data-elfsight-social-share-buttons-options=\"%7B%22items%22%3A%5B%7B%22network%22%3A%22facebook%22%2C%22buttonText%22%3A%22Facebook%22%7D%2C%7B%22network%22%3A%22linkedin%22%2C%22buttonText%22%3A%22LinkedIn%22%7D%2C%7B%22network%22%3A%22email%22%2C%22buttonText%22%3A%22Email%22%7D%5D%2C%22moreToggle%22%3Afalse%2C%22msgMore%22%3A%22More%22%2C%22msgClose%22%3A%22Close%22%2C%22customUrl%22%3A%22%22%2C%22location%22%3A%22inline%22%2C%22position%22%3A%22left%22%2C%22columns%22%3A%22auto%22%2C%22gutter%22%3A12%2C%22hideOnMobile%22%3Afalse%2C%22elements%22%3A%5B%22icon%22%5D%2C%22shape%22%3A%22circle%22%2C%22width%22%3A%22auto%22%2C%22style%22%3A%22material%22%2C%22iconColor%22%3A%22white%22%2C%22bgColor%22%3A%22native%22%2C%22iconColorOnHover%22%3A%22white%22%2C%22bgColorOnHover%22%3A%22native%22%2C%22animation%22%3A%22fly%22%2C%22transparency%22%3A100%2C%22transparencyOnHover%22%3A100%2C%22widgetId%22%3A%221%22%7D\" \n                data-elfsight-social-share-buttons-version=\"1.5.0\"\n                data-elfsight-widget-id=\"elfsight-social-share-buttons-1\">\n            <\/div>\n            <\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. 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