{"id":156587,"date":"2026-03-18T15:24:45","date_gmt":"2026-03-18T14:24:45","guid":{"rendered":"https:\/\/denhartigh.nl\/?p=156587"},"modified":"2026-03-19T14:17:56","modified_gmt":"2026-03-19T13:17:56","slug":"new-course-for-den-hartigh-adviesgroep-with-ferdinand-bakker","status":"publish","type":"post","link":"https:\/\/denhartigh.nl\/en\/new-course-for-den-hartigh-adviesgroep-with-ferdinand-bakker\/","title":{"rendered":"Insurance for garages: does your policy still align with rapid changes?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;100&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;5&#8243; bottom_padding=&#8221;5&#8243; back_color=&#8221;color-nhtu&#8221; back_image=&#8221;156591&#8243; back_image_auto=&#8221;yes&#8221; back_position=&#8221;center bottom&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;20&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; enable_bottom_divider=&#8221;default&#8221; bottom_divider=&#8221;gradient&#8221; shape_bottom_h_use_pixel=&#8221;true&#8221; shape_bottom_height_percent=&#8221;100&#8243; shape_bottom_color=&#8221;color-jevc&#8221; shape_bottom_opacity=&#8221;30&#8243; shape_bottom_index=&#8221;0&#8243; content_parallax=&#8221;5&#8243; uncode_shortcode_id=&#8221;834517&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221; shape_bottom_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;2&#8243; style=&#8221;dark&#8221; font_family=&#8221;font-165032&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; parallax_intensity=&#8221;4&#8243; parallax_centered=&#8221;yes&#8221; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;718693&#8243;][vc_empty_space empty_h=&#8221;0&#8243;][vc_custom_heading auto_text=&#8221;yes&#8221; heading_semantic=&#8221;h1&#8243; text_size=&#8221;fontsize-210105&#8243; uncode_shortcode_id=&#8221;181829&#8243;]Automatic Heading Text[\/vc_custom_heading][vc_icon icon=&#8221;fa fa-arrow-down4&#8243; icon_color=&#8221;color-xsdn&#8221; background_style=&#8221;fa-rounded&#8221; size=&#8221;fa-2x&#8221; outline=&#8221;yes&#8221; uncode_shortcode_id=&#8221;156215&#8243; link=&#8221;url:%23begin|&#8221; icon_color_type=&#8221;uncode-palette&#8221;][\/vc_icon][vc_empty_space empty_h=&#8221;0&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;5&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; row_height_use_pixel=&#8221;&#8221; uncode_shortcode_id=&#8221;143276&#8243; row_name=&#8221;begin&#8221; back_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; font_family=&#8221;font-165032&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; zoom_width=&#8221;0&#8243; zoom_height=&#8221;0&#8243; column_width_pixel=&#8221;800&#8243; uncode_shortcode_id=&#8221;671492&#8243;][vc_column_text text_lead=&#8221;yes&#8221; css_animation=&#8221;alpha-anim&#8221; uncode_shortcode_id=&#8221;559829&#8243;]The insurance market for garage businesses is constantly evolving. New policy terms, rising or fluctuating premiums, and changes in the services provided by insurers mean that today&#8217;s coverage is not automatically future-proof.  For entrepreneurs in the automotive sector, it is therefore essential to regularly and critically evaluate their insurance portfolio.<\/p>\n<p>Garages operate in a dynamic environment where risks are constantly changing. Consider workshop activities, test drives with customer vehicles, commercial stock, liability, and the increasing complexity of modern vehicles. Technological developments, such as electric cars and advanced driver assistance systems, also bring new risks that are not always included as standard in existing policies.[\/vc_column_text][vc_single_image media=&#8221;156603&#8243; media_width_percent=&#8221;100&#8243; shadow=&#8221;yes&#8221; shadow_weight=&#8221;sm&#8221; shadow_darker=&#8221;yes&#8221; css_animation=&#8221;alpha-anim&#8221; uncode_shortcode_id=&#8221;159152&#8243;][vc_custom_heading text_size=&#8221;h3&#8243; text_height=&#8221;fontheight-357766&#8243; css_animation=&#8221;alpha-anim&#8221; text_uppercase=&#8221;&#8221; subheading=&#8221;\u2014 Response from Jan-Paul den Hartigh&#8221; uncode_shortcode_id=&#8221;351391&#8243;]<em>\u201cIn a period of rapid change in the insurance market, independent advice is more important than ever,\u201d states Den Hartigh Adviesgroep. \u201cWe see that entrepreneurs who actively manage their insurance are better prepared for risks and often benefit from more competitive terms.\u201d <\/em>[\/vc_custom_heading][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; row_height_use_pixel=&#8221;&#8221; uncode_shortcode_id=&#8221;987060&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; font_family=&#8221;font-165032&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; zoom_width=&#8221;0&#8243; zoom_height=&#8221;0&#8243; column_width_pixel=&#8221;800&#8243; uncode_shortcode_id=&#8221;462399&#8243;][vc_custom_heading text_size=&#8221;h1&#8243; text_uppercase=&#8221;&#8221; uncode_shortcode_id=&#8221;685879&#8243;]Does your insurance still align with current developments?[\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;825882&#8243;]According to Den Hartigh Adviesgroep, it is therefore essential that garage owners do not solely rely on their current insurance, but actively verify whether it still aligns with their daily operations and future developments. \u201cA policy that was a perfect fit a few years ago may now be insufficient due to changes in the market or within the company itself,\u201d says Jan-Paul den Hartigh. <\/p>\n<p>In addition, many entrepreneurs are seeing insurers adjust their acceptance policies and conditions. This can have consequences for coverage, deductibles, and premiums. By conducting timely assessments and comparing different providers, garages can not only cover risks better but also optimize costs.[\/vc_column_text][vc_custom_heading text_size=&#8221;h1&#8243; text_uppercase=&#8221;&#8221; uncode_shortcode_id=&#8221;150180&#8243;]<strong>Ensure continuity within your business<\/strong>[\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;459628&#8243;]Den Hartigh Adviesgroep advises entrepreneurs to have their policy reviewed periodically\u2014for example, annually\u2014by an independent specialist. This provides insight into whether the current insurance is still appropriate and where potential improvements can be made. This helps to prevent surprises in the event of a claim and ensures continuity within the company.  <\/p>\n<p>Garages that have questions about their current policy or are curious about alternatives can request a no-obligation consultation to map out their situation and receive targeted advice.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;75&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-nhtu&#8221; back_image=&#8221;156597&#8243; back_position=&#8221;center top&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;42&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; row_height_use_pixel=&#8221;&#8221; uncode_shortcode_id=&#8221;102300&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;2&#8243; style=&#8221;dark&#8221; font_family=&#8221;font-165032&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; parallax_intensity=&#8221;4&#8243; zoom_width=&#8221;0&#8243; zoom_height=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;102164&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; text_italic=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; text_uppercase=&#8221;&#8221; subheading=&#8221;\u2014 Management&apos;s comment&#8221; uncode_shortcode_id=&#8221;217250&#8243;]<em>\u201cWe notice that many garages think their insurance is &#8216;probably fine,&#8217; while significant gaps often arise due to changes in their business operations or in the market,\u201d<\/em>[\/vc_custom_heading][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; row_height_use_pixel=&#8221;&#8221; uncode_shortcode_id=&#8221;870976&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; font_family=&#8221;font-165032&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; zoom_width=&#8221;0&#8243; zoom_height=&#8221;0&#8243; column_width_pixel=&#8221;800&#8243; uncode_shortcode_id=&#8221;384313&#8243;][vc_custom_heading text_font=&#8221;font-165032&#8243; text_size=&#8221;h1&#8243; text_uppercase=&#8221;&#8221; uncode_shortcode_id=&#8221;498267&#8243;]About Den Hartigh Adviesgroep[\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;144397&#8243;]Den Hartigh Adviesgroep has been a renowned consultancy firm since 1916, supporting businesses and individuals with strategic and financial matters. The organization is known for its customer-oriented approach and broad expertise in the field of (Inland) Marine, High-Net-Worth and Film &amp; Events.[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row=&#8221;&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; row_height_use_pixel=&#8221;&#8221; uncode_shortcode_id=&#8221;304958&#8243;][vc_column column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; zoom_width=&#8221;0&#8243; zoom_height=&#8221;0&#8243; column_width_pixel=&#8221;800&#8243; uncode_shortcode_id=&#8221;836332&#8243; width=&#8221;1\/1&#8243;][vc_custom_heading text_color=&#8221;color-210407&#8243; text_size=&#8221;h1&#8243; text_uppercase=&#8221;&#8221; uncode_shortcode_id=&#8221;986249&#8243; text_color_type=&#8221;uncode-palette&#8221;]For more information[\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;241731&#8243; text_color_type=&#8221;uncode-palette&#8221;]Erik van der Kooij<br \/>\nMarketing\/PR Manager<br \/>\nDen Hartigh Adviesgroep<br \/>\n078 676 9000<br \/>\n<a href=\"mailto:marketing@denhartigh.nl\">marketing@denhartigh.nl<\/a>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The insurance market for garage businesses is constantly evolving. New policy terms, rising or fluctuating premiums, and changes in the services provided by insurers mean that today&#8217;s coverage is not automatically future-proof. <\/p>\n","protected":false},"author":3,"featured_media":156600,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[88],"tags":[],"class_list":["post-156587","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance for garages: does your policy still align with rapid changes? - Den Hartigh Advisory Group<\/title>\n<meta name=\"description\" content=\"The insurance market for garage businesses is constantly evolving. 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