Our terms and conditions in full

General Terms and Conditions for Removals (within the Netherlands and Europe) AVVV 2025

Article 1 - Definitions

In these conditions the following terms mean:

Customer: the client and/or consumer whose removal goods are the subject of the removal contract;

Consumer: a consumer, a natural person acting for purposes outside his trade or professional activity;

Erkende Verhuizer: the contractor recognised as an Erkende Verhuizer by the Organisatie voor Erkende Verhuizers, who carries out consumer removals professionally;

Removal contract: the contract for the carriage of goods under which the Erkende Verhuizer undertakes towards the customer to carry removal goods either solely within a building or home, or partly within a building or home and partly by road, or solely by road within the meaning of Article 8:1170(1) of the Dutch Civil Code;

Removal goods: items present in a space, whether covered or not, which are intended for the soft furnishings, furniture or fitting out of that space and have already been used as such within the meaning of Article 8:1170(2) of the Dutch Civil Code; money and negotiable instruments are not counted as removal goods;

Consumer removal: the removal of the removal goods of a natural person who is not acting in the exercise of a profession or business;

Business: any undertaking or institution, whether or not independently established, with or without a profit motive;

Guarantee Certificate: the Garantiecertificaat Erkende Verhuizers issued by the Organisatie voor Erkende Verhuizers;

Loss caused by delay: financial loss resulting from late delivery of removal goods, as referred to in Article 6:96 of the Dutch Civil Code;

Replacement value: the amount needed immediately before the damage to buy new items of the same kind and quality;

Current value: the replacement value less an amount for depreciation through age or wear;

Market value: the amount for which an item can be traded on the ordinary market;

Additional work: the work to be carried out by the Erkende Verhuizer at the customer's later request, which was not agreed when the removal contract was concluded;

Reduced work: work agreed when the removal contract was concluded which the Erkende Verhuizer and the customer later agree will not be carried out by the Erkende Verhuizer;

Personal jewellery: jewellery, including watches, made to be worn on or around the body and consisting wholly or partly of (precious) metal, stone, mineral, ivory, (blood) coral or other such substances, as well as pearls. This description also covers personal jewellery that has been withdrawn from its original purpose, such as personal jewellery regarded as an investment;

Other valuable removal goods: audiovisual equipment, computer equipment, antiques and antiquities, objects of particular value, valuable collections, works of art in the broad sense, including jewellery not intended to be worn on or around the body and collections other than personal jewellery;

The Netherlands: the Netherlands is to be understood as: the Netherlands including the border areas with Germany (Lower Saxony and North Rhine-Westphalia), Belgium (Flanders only) and Luxembourg. The Garantiecertificaat Nederland applies to these areas;

Europe: Europe is understood to mean all member states of the European Union and/or the European Economic Area (excluding overseas territories such as Greenland, Saba and French Guiana) and including the United Kingdom, Northern Ireland, Gibraltar, Andorra, Monaco, San Marino, Vatican City and Switzerland, with the exception of the areas understood to be the Netherlands. The Garantiecertificaat Europa applies to Europe.

Article 2 - Applicability

1. These general terms and conditions may be used only by Erkende Verhuizers and apply to consumer removals:
   • within a building or home, in so far as the building or the home is situated within the Netherlands;
   • or involving carriage solely by road, including carriage of the lorry by ferry or by rail within Europe as part of the road leg (for example carriage to the UK by ferry or through the Channel Tunnel);
   • or a combination of these.

   All of this in so far as the removals take place within, from or to the Netherlands, or the place where the removal goods are taken over and the place designated for delivery, as stated in the contract, are situated in two different countries within Europe.

   Other general terms and conditions may be agreed for removals that are (partly) not carried out by road.

2. These general terms and conditions do not apply to:
   • removals outside Europe;
   • consumer removals by sea;
   • consumer removals commissioned by a third party which take place against the will of the owner of the removal goods (for example evictions); the sale and hire of materials used by the customer to carry out a removal at his own expense and risk.
3. If storage or custody of the removal goods also takes place in connection with the removal, the General Terms and Conditions for the Storage of Removal Goods (AVBV 2025) apply to it, in which case those conditions were sent with the quotation or handed to the customer no later than when the storage contract was concluded. The conditions will also be sent on first request. The conditions can be viewed and downloaded at www.erkendeverhuizers.nl under the heading Algemene voorwaarden.

Article 3 - The quotation

1. The quotation is issued in writing or electronically.
2. The quotation states at least:
   • the work to be carried out by the Erkende Verhuizer;
   • the price of that work (including VAT);
   • the way in which the price is calculated (all-in price or guide price);
   • the time and method of payment;
   • that the removal goods are insured during the removal within the Netherlands for at least € 100,000 in accordance with Article 4 of these conditions;
   • that the removal goods are insured during the European (cross-border) removal for at least € 5,000 in accordance with Article 5 of these conditions;
   • that in the case of storage as part of the removal within the Netherlands, the removal goods are insured for the first twelve months on the same terms as during the removal;
   • that in the case of storage as part of the (cross-border) removal within Europe, the removal goods are insured for the first thirty days on the same terms as during the removal;
   • in so far as known and if possible: the date and starting time of the removal as well as a general indication of the duration reasonably to be expected;
   • that these general terms and conditions apply to the work to be carried out. A copy of them is sent with the quotation or is given to the customer no later than when the removal contract is concluded.
3. The quotation is dated and is irrevocable for thirty days after the date of the quotation.

Article 4 - Insurance of removal goods within the Netherlands

1. The Erkende Verhuizer has insured the removal goods for the customer during the removal within the Netherlands for at least € 100,000 against all loss of and physical damage to the removal goods as further described in the General Insurance Conditions for Private Removal Goods (PV05), to which conditions reference is made in the Garantiecertificaat Erkende Verhuizers mentioned in Article 8.
2. The following additional conditions apply when damage is paid out under this insurance:
   • with the exception of the vehicles and vessels and the valuable removal goods mentioned below, the removal goods are insured on the basis of replacement value, unless the current value is less than 40% of the replacement value. In the latter case the current value is paid;
   • for motor vehicles, trailers, caravans, vessels and their parts and accessories, payment is always made on the basis of current value;
   • for valuable removal goods, payment is made on the basis of market value.

   Damage is taken to mean: the difference between the value of the insured items immediately before and immediately after the event, or, at the insurers' choice, the repair costs established by experts immediately after the event, increased by any loss in value not made good by the repair as established by experts.

   • for theft of personal jewellery a maximum insured amount of € 5,000 per event applies;
   • for damage to items intended for trade and professional purposes a maximum payment of € 25,000 per event is made.
3. The value (replacement value, current value or market value) is determined by experts, or on the basis of an advance valuation if a valid valuation report exists. If parts of the removal goods have been valued in advance, that advance valuation applies for three years (counting from the date of the valuation report).
4. Repair of damage and replacement of partly lost goods, or of missing goods, may take place only once the customer and the Erkende Verhuizer (or the loss adjuster or the insurer) have reached agreement on the amount of the damage, or once the damage has been sufficiently documented.
5. In the case of storage as part of the removal within the Netherlands, the removal goods are insured for the first twelve months as during a removal. If the parties make no other arrangements, the removal goods remain insured (against payment) in accordance with paragraph 1 of this article. When extending the storage period, the customer may choose to keep the removal goods insured (against payment) for a further twelve months at a time under Article 4 paragraph 1 of these general terms and conditions. For the sake of completeness, it is pointed out that regardless of whether the insurance is continued after the first 12 months, the liability of the custodian throughout the entire term of the storage is limited on the basis of the AVBV 2025 (Articles 2, 15 and 18).
6. Only if the customer states in writing no later than 14 days before the start of the removal that he will arrange the insurance of the removal goods himself will the Erkende Verhuizer not take out insurance for the removal and any storage of the removal goods.
7. In so far as the removal goods also include objects of particular value, works of art and/or valuable collections, such goods form part of the insured sum up to a maximum of € 20,000. If these objects represent an amount of more than € 20,000, it is recommended that separate insurance be taken out for them.

Article 5 - Insurance of removal goods during a removal within Europe

1. The Erkende Verhuizer has insured the removal goods for the customer during the (cross-border) removal within Europe up to an amount to be stated by the customer and agreed with the customer, against all loss of and physical damage to the household contents as further described in the General Insurance Conditions for Private Removals (PV05), to which conditions reference is made in the Garantiecertificaat Erkende Verhuizers mentioned in Article 8. In all cases a minimum insured sum of € 5,000 per event applies. In the case of storage as part of the removal within Europe, the removal goods are insured for the first 30 days as during a removal.
2. The following additional conditions apply when damage is paid out under this insurance:
   • with the exception of the vehicles and vessels and the valuable removal goods mentioned below, the removal goods are insured on the basis of replacement value, unless the current value is less than 40% of the replacement value. In the latter case the current value is paid; for motor vehicles, trailers, caravans, vessels and their parts and accessories, payment is always made on the basis of current value; for valuable removal goods, payment is made on the basis of market value;
   • damage is taken to mean: the difference between the value of the insured items immediately before and immediately after the event, or, at the insurers' choice, the repair costs established by experts immediately after the event, increased by any loss in value not made good by the repair as established by experts. For theft of personal jewellery a maximum insured amount of 20% of the insured sum per event applies; for damage to items intended for trade and professional purposes a maximum payment of 25% of the insured sum per event is made.
3. The value (replacement value, current value or market value) is determined by experts, or on the basis of an advance valuation if a valid valuation report exists. If parts of the removal goods have been valued in advance, that advance valuation applies for three years (counting from the date of the valuation report).
4. Repair of damage and replacement of partly lost goods, or of missing goods, may take place only once the customer and the Erkende Verhuizer (or the loss adjuster or the insurer) have reached agreement on the amount of the damage, or once the damage has been sufficiently documented.
5. When extending the storage period, the customer may choose to keep the removal goods additionally insured (against payment) under Article 5 paragraph 1 of these general terms and conditions, or for another amount to be agreed. If the insurance is not continued, the liability of the custodian after 30 days of storage is still limited on the basis of the AVBV 2025 (Articles 15 and 18).
6. Only if the customer states in writing no later than 14 days before the start of the removal that he will arrange the insurance of the removal goods himself will the Erkende Verhuizer not take out insurance for the removal and any storage of the removal goods.
7. In so far as the removal goods also include objects of particular value, works of art or valuable collections, such goods form part of the insured sum up to a maximum of 20% of the insured sum. If these objects represent an amount of more than 20% of the insured sum, it is recommended that separate insurance be taken out for them.

Article 6 - Removal price

1. The following methods are used to calculate the removal price:
   • an all-in price (contracting for work method) for which the removal is carried out in full, including turnover tax and the agreed elements and work mentioned in the second paragraph of this article, but excluding the unforeseen expenses referred to in the third paragraph;
   • a guide price, calculated on the basis of an estimate using rates agreed in advance per volume and/or distance and/or duration, in which the Erkende Verhuizer describes the agreed work and the pricing method very precisely. In doing so, the Erkende Verhuizer, as an experienced professional, has a duty of care to inform the consumer fully so that the consumer can make a realistic estimate of the total costs in advance. Where a guide price has been given, it may not be exceeded by more than fifteen per cent.
2. The removal price is determined by the following elements and work of the Erkende Verhuizer, in so far as they have been agreed in the removal contract:
   • the carriage, including loading and unloading of the removal goods;
   • the packing and unpacking of goods to be carried in crates or boxes and the dismantling and reassembly of furniture;
   • actions such as taking down, taking up, disconnecting, fitting or hanging lamps, curtains, floor coverings, cookers, stoves, sanitary ware and anything else fixed to or on ceilings, walls, floors and roofs, and dismantling and assembling a water bed. The Erkende Verhuizer may, however, carry out this work only if no specific expertise is required for it;
   • the premiums and charges for the insurance referred to in Articles 4 and 5 and the Guarantee Certificate in Article 8.
3. Unless agreed otherwise in writing or electronically, the removal price does not include: the costs of using ferries, tolls payable, parking exemptions and permits, border and customs charges and costs reasonably incurred for taking unforeseen measures to preserve or deliver the removal goods.
4. In the case of additional work, the Erkende Verhuizer preferably issues an adjusted quotation in accordance with Article 3, unless this is not possible because the additional work is urgent.
5. The removal price is increased if the customer owes the Erkende Verhuizer other costs under these conditions, or in connection with additional work. Where there is reduced work, the price may be lowered depending on the circumstances of the case. The invoice must specify the deviation from the removal price.

Article 7 - The contract

1. The contract is concluded:
   • as soon as the customer has stated in writing or electronically that he accepts the quotation of the Erkende Verhuizer;
   • if no quotation has been issued, at the moment the contract has been signed by both parties;
   • as soon as the customer actually makes removal goods available to the Erkende Verhuizer for removal.
2. As soon as the contract has been concluded, the Erkende Verhuizer acquires a right of pledge over the removal goods.

Article 8 - Garantiecertificaat Erkende Verhuizers

1. In connection with his limited liability under Article 8:1182 of the Dutch Civil Code, the Erkende Verhuizer issues the customer with the Garantiecertificaat Erkende Verhuizers (hereinafter: the Guarantee Certificate) carrying the rights mentioned in paragraph 3 of this article.
2. The Guarantee Certificate forms part of these conditions and of the removal contract. The Erkende Verhuizer is obliged to apply for the Guarantee Certificate on behalf of the customer and, as part of the contract, the customer is obliged to accept the Guarantee Certificate and the guarantee scheme.
3. The Guarantee Certificate gives the customer the guarantee that:
   1. the Erkende Verhuizer has insured the removal goods in accordance with Articles 4 and 5 of these general terms and conditions. The Guarantee Certificate also serves as the insurance policy;
   2. if the customer is a consumer and the removal takes place within the Netherlands: the removal will still be carried out, with all due speed, by an Erkende Verhuizer to be appointed by the Organisatie voor Erkende Verhuizers, in the event that the contracted Erkende Verhuizer is no longer able to carry out the removal because of bankruptcy or suspension of payments. Consequential loss is excluded;
   3. if the customer is a consumer: a down payment of up to 25% of the agreed removal price is guaranteed by the Organisatie voor Erkende Verhuizers if the consumer has the removal carried out by another Erkende Verhuizer after all. This guarantee applies only in combination with the situation described under b. of this article, and up to a maximum of € 1,000.
4. Although for a removal within Europe there is no guarantee that the removal can still be carried out by another Erkende Verhuizer (as referred to in paragraph 3 under b), for a removal within Europe the Guarantee Certificate and the Organisatie voor Erkende Verhuizers do give consumers the guarantee that a down payment of up to 25% of the agreed removal price will be refunded, with a maximum guarantee of € 2,000.
5. The way in which the customer can invoke the Guarantee Certificate is laid down in the guarantee scheme of the Garantiecertificaat Erkende Verhuizers. To invoke the guarantee, the customer must contact the Organisatie voor Erkende Verhuizers in writing or electronically (www.erkendeverhuizers.nl).
6. The Guarantee Certificate is valid for twelve months for the performance of the removal. As laid down in Articles 4 and 5, under the Guarantee Certificate the removal goods are insured for twelve months in the case of storage within the Netherlands and for thirty days in the case of storage with removals within Europe.
7. In the case of a consumer removal within Europe where the client of the Erkende Verhuizer is not itself an Erkende Verhuizer, the guarantees mentioned in this article do not apply. The same goes for the disputes scheme for consumers laid down in Article 22 and the compliance guarantee for consumers laid down in Article 23. The non-recognised mover therefore cannot rely on these provisions. The General Insurance Conditions for Private Removal Goods (PV05) do, however, apply in full.

Article 9 - The customer's duty to provide information

1. The customer is obliged to give the Erkende Verhuizer, in good time, all the information about the removal goods and their handling that he is or ought to be able to give and of which he knows or ought to know that it matters to the Erkende Verhuizer, unless he may assume that the Erkende Verhuizer already knows this information.
2. With regard to the removal goods, the customer must in particular inform the Erkende Verhuizer in good time of:
   • all items whose presence creates a particular risk of damage to the removal goods or to the company equipment;
   • all technical items for which the manufacturer has made known to users special safety measures to be taken before the start of the carriage;
   • all items of a special nature that are subject to special rules of Dutch and/or foreign authorities, such as objects of particular value, works of art, personal jewellery or other valuable removal goods, valuable collections and firearms.
3. With regard to the removal, the customer must in particular inform the Erkende Verhuizer in good time of:
   • special features of the new home (for example a living room on the first floor);
   • other matters and circumstances that are important for the Erkende Verhuizer to know for the purposes of the removal (for example a pavement dug up in front of the house on the day of the removal). All this unless the customer may assume that the Erkende Verhuizer already knows this information.
4. The Erkende Verhuizer is not obliged, but is entitled, to check whether the information given by the customer is correct and complete.

Article 10 - Obligations of the Erkende Verhuizer

1. The Erkende Verhuizer is obliged:
   • to deliver the removal goods at the destination (placing them in the spot indicated for that purpose, where applicable) in the condition in which they were made available to him for packing or dismantling, or in the outward condition in which they were made available to him for carriage;
   • to complete a removal once started without delay.
2. The obligations of the Erkende Verhuizer arising from the removal contract end as soon as the removal goods have been delivered at the agreed destination.

Article 11 - Dangerous goods or substances

1. If the customer hands the Erkende Verhuizer dangerous goods or substances within the meaning of the Dutch Transport of Dangerous Substances Act (Wet Vervoer Gevaarlijke Stoffen, WVGS) and the related rules, the customer must inform the Erkende Verhuizer of the nature of the danger they involve and tell the Erkende Verhuizer which precautions are to be taken.
2. The Erkende Verhuizer has the right not to move dangerous goods or substances of which he was not informed when the contract was concluded.
3. The Erkende Verhuizer has the right to unload dangerous goods or substances of which he was not informed when the contract was concluded at any time and place, and to make them harmless or have them destroyed at the customer's expense. Moreover, in that case the customer is liable for all reasonably incurred and attributable costs and damage arising from their carriage.
4. If the customer and the Erkende Verhuizer agree that dangerous goods and/or substances will be moved, the Erkende Verhuizer is required by law to take out separate insurance for this in accordance with Article 3a of the Dutch Motor Insurance Liability Act (Wet aansprakelijkheidsverzekering motorrijtuigen).

Article 12 - Customs formalities

1. The following provisions apply to removal contracts to be performed by road to or from the Netherlands:
   • the Erkende Verhuizer must inform the customer as best he can about the existing rules on customs and other formalities to be completed for the performance of the removal contract;
   • the customer must make the necessary documents available to the Erkende Verhuizer and provide him with all the information required to complete the formalities.
2. The Erkende Verhuizer is not obliged, but is entitled, to check whether the information given by the customer is correct and complete.

Article 13 - Changing the contract during the removal

1. The customer may ask the Erkende Verhuizer to change the performance of the removal contract. The requested change must be feasible for the Erkende Verhuizer and must not disrupt the running of his business. The customer must also compensate the Erkende Verhuizer for all necessary costs and disadvantages actually arising from the change to the removal contract. If the change gives the Erkende Verhuizer an advantage, he will not charge the costs reasonably saved.
2. If, because of unforeseen circumstances, the Erkende Verhuizer cannot perform the removal contract in accordance with his instructions and within a normal period of time, he must:
   • ask the customer for instructions,
   • or, if this is not possible, take those measures which in his judgement are as far as possible in the customer's interest.

Article 14 - Cancellation and termination

1. Before the removal goods have been made available to the Erkende Verhuizer, the customer may cancel the removal contract at any time without giving a reason as referred to in paragraphs 2 and 3. The customer does owe the Erkende Verhuizer compensation for this. In the event of cancellation up to thirty days before the agreed removal date, the Erkende Verhuizer is entitled to charge compensation of 15 per cent of the agreed removal price. In the event of cancellation up to fourteen or seven days before the removal date respectively, the Erkende Verhuizer is entitled to charge compensation of at most 50 or 75 per cent of the removal price respectively. In the event of cancellation within seven days before the removal date, at most the full removal price is payable.

   Termination within this number of working days before the planned removal date:	Percentage of the agreed removal price payable:
   Within 7 days	100 %
   Between 14 and 7 days	75 %
   Between 30 and 14 days	50 %
   Up to 30 days	15 %

2. The customer may terminate the removal contract if he learns that the Erkende Verhuizer will not be able to carry out the removal on the agreed day and time. The customer may terminate the removal contract only if, with due regard for paragraph 4 of this article, he notifies the Erkende Verhuizer of the termination shortly after receiving this message, or within a reasonable period after the customer has learned that performance is impossible. If the customer suffers loss as a result, the Erkende Verhuizer is obliged to compensate that loss, up to a maximum of the agreed removal price.
3. If, before or when the removal goods are offered to the Erkende Verhuizer, circumstances arise on the part of one of the parties which the other party did not have to be aware of when the contract was concluded, but which, had it been aware of them, would reasonably have given it grounds not to enter into the removal contract or to enter into it on different terms, that other party is entitled to terminate the contract. In accordance with the standards of reasonableness and fairness, after termination of the contract the parties are obliged to compensate each other for the demonstrable loss suffered as a result. This applies except in circumstances as referred to in Article 13 paragraph 2 of these conditions. The compensation cannot exceed the agreed removal price.
4. The customer can terminate the removal contract by notifying the Erkende Verhuizer of this in writing or electronically. The removal contract ends at the moment that notice is received.
5. If the customer does not make the removal goods available to the Erkende Verhuizer at the agreed time, the Erkende Verhuizer is entitled to terminate the removal contract. The removal contract ends as soon as the customer receives notice from the Erkende Verhuizer (in writing or electronically) that he is terminating the removal contract.
6. If the customer makes only part of the removal goods available to the Erkende Verhuizer at the agreed time, the Erkende Verhuizer is obliged, at the customer's request, to move the goods that have been made available and may terminate the removal contract for the remainder.
7. The customer is obliged to compensate the loss suffered by the Erkende Verhuizer as a result of the goods not being made available, or being made available only in part.

Article 15 - Payment

1. Payment of the removal price is made in cash or by debit card at the time the Erkende Verhuizer delivers the removal goods at the destination, unless agreed otherwise. The customer must pay the removal price when the invoice is presented and against a receipt handed over by the Erkende Verhuizer. Cash payment also includes crediting the amount due to a bank account indicated by the Erkende Verhuizer at the time of delivery, or payment by means of forms of electronic payment recognised by banks.
2. If, when the invoice is presented by the Erkende Verhuizer, it appears that the customer is not meeting or will not meet his payment obligation, the Erkende Verhuizer is entitled to suspend (the completion of) the removal and has a right of retention over the removal goods. In that case the Erkende Verhuizer is also entitled to store and sell the removal goods, provided that he has the permission of the court referred to in Article 8:1194(2) and Article 8:1198 of the Dutch Civil Code or in Article 3:251 of the Dutch Civil Code.
3. If it was expressly agreed when the contract was concluded that payment would not be made in cash or by debit card on delivery, but no payment term was agreed, payment must be made within fourteen days of receipt of the invoice.
4. The customer is in default from the moment the payment term expires. After that date has passed, the Erkende Verhuizer sends a payment reminder and gives the customer the opportunity to pay within fourteen days of receiving this payment reminder. If payment has still not been made after the payment reminder has expired, the Erkende Verhuizer is entitled to charge the statutory (commercial) interest from the payment date onwards, as well as all extrajudicial collection costs reasonably incurred by him. The level of these extrajudicial collection costs is subject to statutory limits. These may be departed from in the consumer's favour.
5. If the client is not the same person as the person whose removal goods are the subject of the removal contract, the Erkende Verhuizer makes separate arrangements with the client about payment of the costs arising from the removal contract and about delivery if the owner of the removal goods cannot be reached. If the client does not meet his payment obligations, the owner of the removal goods is liable for payment of the removal costs.
6. Set-off against claims for payment of the removal price is not permitted, unless the parties agree otherwise in writing or electronically.

Article 16 - Liability of the Erkende Verhuizer

1. If the Erkende Verhuizer fails to meet the obligations resting on him under Article 10, he is liable for the loss caused as a result. This is unless the failure was caused by a circumstance that a careful Erkende Verhuizer could not have avoided and in so far as such an Erkende Verhuizer could not have prevented its consequences. In determining the extent of the physical loss in the event of damage to or loss of removal goods, the provisions of Articles 4 and 5 are also taken into account. In the case of loss caused by delay, the Erkende Verhuizer is not liable for loss exceeding the removal price; the extent of the loss caused by delay must be demonstrated by the customer.
2. The Erkende Verhuizer cannot escape his liability by relying on:
   • a defect in the vehicle used for the removal;
   • a defect in the equipment he uses, unless this was made available by the customer; equipment does not include a ship, aircraft or railway wagon on which the vehicle used for the removal is carried;
   • a defect in the anchor points used to attach hoisting equipment, or for the use of a moving lift;
   • any damage caused to the removal goods by third parties whose actions are not at the customer's risk.
3. An Erkende Verhuizer who fails to meet the obligations resting on him is liable for the loss caused as a result, unless that failure is the consequence of special risks connected with one or more of the following circumstances:
   • the packing or dismantling, or the unpacking or assembly, of removal goods by the customer or with the help of any person or means made available for that purpose by the customer on his own initiative;
   • help with the removal given by the owner of the removal goods, his family members, friends or third parties whom he has asked to help with the removal;
   • the customer's choice - although the Erkende Verhuizer offered him another option - of a method of packing or of performing the removal contract that differs from what is usual for the agreed removal;
   • the presence among the removal goods of items for which the Erkende Verhuizer would have taken special measures if the customer had informed him of their presence and their nature in accordance with Articles 9 and/or 11;
   • the nature or condition of the removal goods themselves, which have been exposed to total or partial loss or to damage solely through causes connected with that nature or condition, such as: leakage, deflation or melting of other goods forming part of the removal goods, the death of plants; the loss of banknotes, negotiable instruments, precious metals, coins and medals, precious stones, pearls, documents and collections, unless the customer has handed these items to the Erkende Verhuizer separately before the start of the removal, stating their quantity and value;
   • electrical, electronic and mechanical equipment ceasing to work or no longer working properly.
4. Where the Erkende Verhuizer proves that the failure to meet the obligation resting on him under Article 10 may have been the consequence of one or more of the special risks mentioned above in this paragraph, it is presumed that the failure arose from that, without prejudice to the customer's right to provide evidence to the contrary.
5. The Erkende Verhuizer is liable for wrongly leaving objects behind in the loading places or wrongly taking them away from those places, if he expressly knew or ought to have known this.
6. In so far as the customer does not come forward, refuses to receive removal goods or does not take receipt of them with the required speed, or in so far as the removal goods have been seized, the Erkende Verhuizer is entitled to store these removal goods for the account and risk of the person entitled to them in a suitable storage place. The Erkende Verhuizer is obliged to notify the customer in writing or electronically as soon as possible. With this notice the Erkende Verhuizer sends the AVBV 2025, whereby the AVBV 2025 apply to the storage.
7. Without prejudice to the effect of this article, the Erkende Verhuizer is not liable for loss other than that caused by failure to meet his obligations mentioned in Article 10 of these conditions.

Article 17 - Liability of the customer

1. The customer is liable for the costs and loss suffered by the Erkende Verhuizer as a result of the information mentioned in Articles 9, 11 and 12 not being given or not being given adequately, unless the customer cannot be blamed for this.
2. Except in the event of force majeure, the customer is obliged to compensate the Erkende Verhuizer for loss if, through the customer's act or omission, the removal contract cannot be performed or cannot be performed as agreed. The compensation amounts to no more than a sum equal to the removal price. In the event of cancellation, Article 14 applies.
3. The customer will indemnify the Erkende Verhuizer at his first request if the Erkende Verhuizer is held liable by third parties outside the contract for loss or financial disadvantage - including criminal, administrative and any civil fines - connected in any way with the performance of the removal contract by the Erkende Verhuizer, his subordinates and auxiliary persons. This applies where this loss is the consequence of an act or omission of the customer contrary to any statutory rule.

Article 18 - Reporting damage

1. If damage is found when the removal goods are delivered, the customer must report it to the Erkende Verhuizer on delivery. If there is no opportunity on delivery to establish any damage to the removal goods, the customer must state this in writing or electronically beforehand or at the time of delivery at the latest. It is strongly recommended that damage be reported to the Erkende Verhuizer in writing or electronically within two working days of the removal. If the Erkende Verhuizer has not received the report referred to above within fourteen days of the removal, he is deemed to have carried out the removal without any noticeable damage.
2. If the customer reports loss or damage, the Erkende Verhuizer and the customer must reasonably give each other access to the removal goods and all other necessary means in order to make it possible to investigate the loss of or damage to the removal goods.

Article 19 - Compensation in the event of liability

1. If it is not possible to rely on the insurance referred to in Article 4 or 5 of these conditions, the compensation the Erkende Verhuizer owes for failing to meet the obligations resting on him (Article 10) is limited under Article 8:1182 of the Dutch Civil Code (€ 23,000 per removal contract).
2. If, in one and the same contract, the Erkende Verhuizer undertakes to carry out more than one (consumer) removal, his liability referred to in the first paragraph applies per (consumer) removal.
3. The Erkende Verhuizer cannot rely on any limitation of his liability in so far as the loss arose from his own act or omission, done either with intent to cause that loss or recklessly and with the knowledge that such loss would probably result, in accordance with Article 8:1185 of the Dutch Civil Code.
4. Damage to the removal goods that is less than or equal to € 50 is at the customer's expense.

Article 20 - Limitation period

All claims based on or connected with the removal contract lapse, in accordance with the Dutch Civil Code, one year after delivery of the removal goods.

Article 21 - Complaints

Complaints about the performance of the contract must be submitted to the Erkende Verhuizer, fully and clearly described, in good time after the customer has discovered or ought to have discovered the shortcomings. Failure to submit the complaint in good time may mean that the customer loses his rights in the matter.

Article 22 - Disputes scheme for consumers

1. Disputes between a consumer and the Erkende Verhuizer about the conclusion or the performance of the removal contract as referred to in Article 1 may be brought before De Geschillencommissie Verhuizen, Postbus 90600, 2509 LP Den Haag (www.degeschillencommissie.nl), by the consumer as well as by the Erkende Verhuizer.
2. De Geschillencommissie Verhuizen will only take a dispute into consideration if the consumer has first submitted his complaint to the Erkende Verhuizer.
3. After the complaint has been submitted to the Erkende Verhuizer, the dispute must be brought before De Geschillencommissie Verhuizen no later than twelve months after the complaint was submitted.
4. Where the consumer brings a dispute before De Geschillencommissie Verhuizen, the Erkende Verhuizer is bound by this choice. If the Erkende Verhuizer wishes to bring a dispute before De Geschillencommissie Verhuizen, he must ask the consumer to state within five weeks whether he agrees. In doing so, the Erkende Verhuizer must announce that once that period has expired, he will consider himself free to bring the dispute before the courts.
5. De Geschillencommissie Verhuizen gives its decision with due regard for the provisions of the rules applying to it and also the applicable Erkenningsreglement of the Organisatie voor Erkende Verhuizers, which Erkende Verhuizers must meet at all times. Under those rules, the decisions of De Geschillencommissie Verhuizen take the form of binding advice. The rules are sent on request. A fee is payable for handling a dispute.
6. Only the courts or the disputes committee mentioned above have jurisdiction to hear disputes.

Article 23 - Compliance guarantee for consumers with removals within the Netherlands

1. The Organisatie voor Erkende Verhuizers guarantees, towards consumers only, that its members will comply with the binding advice of De Geschillencommissie Verhuizen, unless the member concerned decides to submit the binding advice to the courts for review within two months of it being sent. This guarantee revives if the binding advice has been upheld after review by the courts and the judgment showing this has become final. Up to a maximum of € 10,000 per binding advice is paid by the Organisatie voor Erkende Verhuizers to the consumer. For amounts greater than € 10,000, the consumer is paid € 10,000. For the excess, the Organisatie voor Erkende Verhuizers has a best-efforts obligation to ensure that the member complies with the binding advice. This best-efforts obligation means that the consumer is offered the opportunity to assign his claim to the Organisatie voor Erkende Verhuizers, after which that organisation will claim payment in law in its own name and at the expense of the Organisatie voor Erkende Verhuizers for the benefit of the consumer.
2. The Organisatie voor Erkende Verhuizers gives no compliance guarantee if, before the consumer has met the formal admission requirements for the dispute to be taken into consideration (payment of the complaint fee, return of the completed and signed questionnaire and any deposit payment), one of the following situations applies:
   • the member has been granted a suspension of payments;
   • the member has been declared bankrupt;
   • the business activities have actually ended.

   The decisive factor in this situation is the date on which the closure of the business was entered in the Handelsregister, or an earlier date on which the Organisatie voor Erkende Verhuizers can show that the business activities had actually ended.

3. This article applies only to removals within the Netherlands.

Article 24 - Applicable law

Dutch law applies to contracts concluded, changed or supplemented on the basis of the AVVV 2025, unless mandatory rules make other law applicable.

Article 25 - Changes

Changes to these conditions can be made only in consultation with the Toetsingscommissie of the Stichting De Geschillencommissie, if and in so far as they arise from changes in legislation and regulations relating to the performance of the work to which these conditions apply. Where such changes are made, they take effect only one month after the changes have been published. The Organisatie voor Erkende Verhuizers undertakes to make adopted changes public.

Article 26 - Citation title

These General Terms and Conditions for Removals may be cited as AVVV 2025. All earlier versions have lapsed.

General Terms and Conditions for International Removals (outside Europe) AVVV-BE 2025

Article 1 - Definitions

In these conditions the following terms mean:

Customer: the client and/or consumer whose removal goods are the subject of the removal contract;

Consumer: a consumer, a natural person acting for purposes outside his trade or professional activity;

Erkende Verhuizer: the contractor recognised as an Erkende Verhuizer by the Organisatie voor Erkende Verhuizers, who carries out consumer removals professionally;

Removal contract: the contract for the carriage of goods under which the Erkende Verhuizer undertakes towards the customer to carry removal goods either solely within a building or home, or partly within a building or home and partly by road, or solely by road;

Removal goods: items present in a space, whether covered or not, which are intended for the soft furnishings, furniture or fitting out of that space and have already been used as such within the meaning of Article 8:1170(2) of the Dutch Civil Code; money and negotiable instruments are not counted as removal goods;

Consumer removal: the removal of the removal goods of a natural person who is not acting in the exercise of a profession or business;

Business: any undertaking or institution, whether or not independently established, with or without a profit motive;

Loss caused by delay: financial loss resulting from late delivery of removal goods, as referred to in Article 6:96 of the Dutch Civil Code;

Replacement value: the amount needed immediately before the damage to buy new items of the same kind and quality;

Current value: the replacement value less an amount for depreciation through age or wear;

Market value: the amount for which an item can be traded on the ordinary market;

Additional work: the work to be carried out by the Erkende Verhuizer at the customer's later request, which was not agreed when the removal contract was concluded;

Reduced work: work agreed when the removal contract was concluded which the Erkende Verhuizer and the customer later agree will not be carried out by the Erkende Verhuizer;

Personal jewellery: jewellery, including watches, made to be worn on or around the body and consisting wholly or partly of (precious) metal, stone, mineral, ivory, (blood) coral or other such substances, as well as pearls. This description also covers personal jewellery that has been withdrawn from its original purpose, such as personal jewellery regarded as an investment;

Other valuable removal goods: audiovisual equipment, computer equipment, antiques and antiquities, objects of particular value, valuable collections, works of art in the broad sense, including jewellery not intended to be worn on or around the body and collections other than personal jewellery;

Europe: Europe is understood to mean all member states of the European Union and/or the European Economic Area (excluding overseas territories such as Greenland, Saba and French Guiana) and including the United Kingdom, Northern Ireland, Gibraltar, Andorra, Monaco, San Marino, Vatican City and Switzerland.

Article 2 - Applicability

1. These general terms and conditions may be used only by Erkende Verhuizers who are members of the Organisatie voor Erkende Verhuizers and apply to removals:
   • within a building;
   • or involving carriage solely by road (including carriage of the lorry by ferry or through the Channel Tunnel), by rail, by sea or by air;
   • or a combination of these;

   All of this in so far as the building or the home is situated outside Europe, or the place where the removal goods are taken over and the place designated for delivery, as stated in the contract, are situated in two different countries at least one of which lies outside Europe.

2. Other general terms and conditions may be agreed for removals that are (partly) not carried out by road. For carriage by sea or inland waterway, by rail or by air, as well as for carriage by road outside Europe, the Erkende Verhuizer does not act in the capacity of remover but solely in the capacity of freight forwarder, meaning that he arranges and has the removal goods carried.
3. If and in so far as the Erkende Verhuizer has undertaken to unpack and/or assemble the removal goods at the destination following the carriage, the AVVV-BE 2025 apply to this work.
4. The AVVV-BE 2025 do not apply to:
   • consumer removals commissioned by a third party which take place against the will of the owner of the removal goods (evictions);
   • the sale and hire of materials used by the customer to carry out a removal at his own expense and risk.
5. If storage or custody of the removal goods within the Netherlands also takes place in connection with the removal, the General Terms and Conditions for the Storage of Removal Goods 2025 (AVBV 2025), or at least the latest version, apply to it, in which case those conditions were sent with the quotation or handed to the customer no later than when the storage contract was concluded.
6. A CMR consignment note is drawn up for every cross-border removal by road. In accordance with Article 1 paragraph 4 under c of the CMR Convention, that convention does not apply to removals and the AVVV-BE 2025 continue to apply.

Article 3 - The quotation

1. The quotation is issued in writing or electronically.
2. The quotation states at least:
   • the work to be carried out by the Erkende Verhuizer;
   • the price of that work (including VAT);
   • the way in which the price is calculated (all-in price or guide price);
   • the time and method of payment;
   • in so far as known: the date and starting time of the removal as well as a general indication of the duration reasonably to be expected;
   • in so far as known and if possible: the date and starting time of the removal as well as a general indication of the duration reasonably to be expected;
   • that these general terms and conditions apply to the work to be carried out. A copy of them is sent with the quotation or is given to the customer no later than when the removal contract is concluded.
3. The quotation is dated and is valid for thirty days after the date of the quotation.

Article 4 - Insurance of household contents

1. The Erkende Verhuizer offers to take out goods insurance at the customer's expense against all loss of and physical damage to the removal goods for which the Erkende Verhuizer is not liable.
2. If the customer chooses to take out goods insurance, the Erkende Verhuizer discusses the desired cover and conditions with the customer.

Article 5 - Removal price

1. The following methods are used to calculate the removal price:
   • an all-in price (contracting for work method) for which the removal is carried out in full, including turnover tax and the agreed elements and work mentioned in the second paragraph of this article, but excluding the unforeseen expenses referred to in the third paragraph;
   • a guide price, calculated on the basis of an estimate using rates agreed in advance per volume and/or distance and/or duration, in which the Erkende Verhuizer describes the agreed work and the pricing method very precisely. In doing so, the Erkende Verhuizer, as an experienced professional, has a duty of care to inform the customer fully so that the customer can make a realistic estimate of the total costs in advance. Where a guide price has been given, it may not be exceeded by more than fifteen per cent.
2. The removal price is determined by the following elements and work of the Erkende Verhuizer, in so far as they have been agreed in the removal contract:
   • the carriage, including loading and unloading of the removal goods;
   • the packing and unpacking of goods to be carried in crates or boxes and the dismantling and reassembly of furniture;
   • actions such as taking down, taking up, disconnecting, fitting or hanging lamps, curtains, floor coverings, cookers, stoves, sanitary ware and anything else fixed to or on ceilings, walls, floors and roofs, and dismantling and assembling a water bed. The Erkende Verhuizer may, however, carry out this work only if no specific expertise is required for it;
   • the premiums and charges for the insurance referred to in Article 4.
3. Unless agreed otherwise in writing or electronically, the removal price does not in any event include:
   • the costs of using ships and ferries;
   • tolls payable, parking exemptions and permits;
   • border and customs charges (including any VAT, excise duty and/or other taxes due);
   • fuel and/or other surcharges on sea, rail and/or air freight costs and;
   • costs reasonably incurred for taking unforeseen measures to preserve or deliver the removal goods.
4. In the case of additional work, the Erkende Verhuizer preferably issues an adjusted quotation in accordance with Article 3, unless this is not possible because the additional work is urgent.
5. The removal price is increased if the customer owes the Erkende Verhuizer other costs under these conditions, or in connection with additional work. Where there is reduced work, the price may be lowered depending on the circumstances of the case. The invoice must specify the deviation from the removal price.

Article 6 - The contract

1. The contract is concluded:
   • as soon as the customer has stated in writing or electronically that he accepts the quotation of the Erkende Verhuizer;
   • if no quotation has been issued, at the moment the contract has been signed by both parties;
   • as soon as the customer actually makes removal goods available to the Erkende Verhuizer for removal.
2. As soon as the contract has been concluded, the Erkende Verhuizer acquires a right of pledge over the removal goods.

Article 7 - The customer's duty to provide information

1. The customer is obliged to give the Erkende Verhuizer, in good time, all the information about the removal goods and their handling that he is or ought to be able to give and of which he knows or ought to know that it matters to the Erkende Verhuizer, unless he may assume that the Erkende Verhuizer already knows this information.
2. With regard to the removal goods, the customer must in particular inform the Erkende Verhuizer in good time of:
   • all items whose presence creates a particular risk of damage to the removal goods or to the company equipment;
   • all technical items for which the manufacturer has made known to users special safety measures to be taken before the start of the carriage;
   • all items of a special nature that are subject to special rules of Dutch and/or foreign authorities, such as objects of particular value, works of art, personal jewellery or other valuable removal goods, valuable collections and firearms.
3. With regard to the removal, the customer must in particular inform the Erkende Verhuizer in good time of:
   • special features of the new home (for example a living room on the first floor);
   • other matters and circumstances that are important for the Erkende Verhuizer to know for the purposes of the removal (for example a pavement dug up in front of the house on the day of the removal).
4. The Erkende Verhuizer is not obliged, but is entitled, to check whether the information given by the customer is correct and complete.

Article 8 - Obligations of the Erkende Verhuizer

1. The Erkende Verhuizer is obliged:
   • to deliver, or have delivered, the removal goods at the destination (placing them in the spot indicated for that purpose, where applicable) in the condition in which they were made available to him for packing or dismantling, or in the outward condition in which they were made available to him for carriage;
   • to complete a removal once started without delay;
2. The obligations of the Erkende Verhuizer arising from the removal contract end as soon as the removal goods have been delivered at the agreed destination.

Article 9 - Dangerous goods or substances

1. If the customer hands the Erkende Verhuizer dangerous goods or substances (including those within the meaning of the Dutch Transport of Dangerous Substances Act and/or comparable laws or treaties and the related rules), the customer must inform the Erkende Verhuizer of the nature of the danger they involve and tell the Erkende Verhuizer which precautions are to be taken.
2. The Erkende Verhuizer has the right not to move dangerous goods or substances of which he was not informed when the contract was concluded.
3. The Erkende Verhuizer has the right to unload dangerous goods or substances of which he was not informed when the contract was concluded at any time and place, and to make them harmless or have them destroyed at the customer's expense. Moreover, in that case the customer is liable for all reasonably incurred and attributable costs and damage arising from their carriage.
4. If the customer and the Erkende Verhuizer agree that dangerous goods and/or substances will be moved, the Erkende Verhuizer is obliged to take out separate insurance for this in accordance with Article 3a of the Dutch Motor Insurance Liability Act.

Article 10 - Customs formalities

1. The following provisions apply to international removal contracts:
   • the Erkende Verhuizer must inform the customer as best he can about the existing rules on customs and other formalities to be completed for the performance of the removal contract;
   • the customer must make the necessary documents available to the Erkende Verhuizer as far as possible before the removal and provide him with all the information needed to complete the formalities.
2. The Erkende Verhuizer is not obliged to check the accuracy and completeness of the documents and information provided by the customer.
3. The Erkende Verhuizer is obliged to take reasonable care that the documents placed in his hands are not lost or handled incorrectly.

Article 11 - Changing the contract during the removal

1. The customer may ask the Erkende Verhuizer to change the performance of the removal contract. The requested change must be feasible for the Erkende Verhuizer and must not disrupt the running of his business. The customer must also compensate the Erkende Verhuizer for all necessary costs and disadvantages actually arising from the change to the removal contract. If the change gives the Erkende Verhuizer an advantage, he will not charge the costs reasonably saved.
2. If, because of circumstances, the Erkende Verhuizer cannot perform the removal contract in accordance with his instructions and within a normal period of time, he must:
   • ask the customer for new instructions, or
   • if this is not possible, take those measures which in his judgement are as far as possible in the customer's interest.

Article 12 - Cancellation and termination

1. Before the removal goods have been made available to the Erkende Verhuizer, the customer may cancel the removal contract at any time without giving a reason as referred to in paragraphs 2 and 3. The customer does owe the Erkende Verhuizer compensation for this. In the event of cancellation up to thirty days before the agreed removal date, the Erkende Verhuizer is entitled to charge compensation of 15 per cent of the agreed removal price. In the event of cancellation up to fourteen or seven days before the removal date respectively, the Erkende Verhuizer is entitled to charge compensation of at most 50 or 75 per cent of the removal price respectively. In the event of cancellation within seven days before the removal date, at most the full removal price is payable.

   Termination within this number of working days before the planned removal date:	Percentage of the agreed removal price payable:
   Within 7 days	100 %
   Between 14 and 7 days	75 %
   Between 30 and 14 days	50 %
   Up to 30 days	15 %

2. The customer may terminate the removal contract if he learns that the Erkende Verhuizer will not be able to carry out the removal on the agreed day and time. The customer may terminate the removal contract only if, with due regard for paragraph 4 of this article, the remover is notified of the termination shortly after receiving this message, or within a reasonable period after the customer has learned that performance is impossible. If the customer suffers loss as a result, the Erkende Verhuizer is obliged to compensate that loss, up to a maximum of the agreed removal price.
3. If, before or when the removal goods are offered to the Erkende Verhuizer, circumstances arise on the part of one of the parties which the other party did not have to be aware of when the contract was concluded, but which, had it been aware of them, would reasonably have given it grounds not to enter into the removal contract or to enter into it on different terms, that other party is entitled to terminate the contract. After termination of the contract the parties are obliged to compensate each other for the demonstrable loss suffered as a result. This applies except in circumstances as referred to in Article 11 paragraph 2 of these conditions. The compensation cannot exceed the agreed removal price.
4. The customer can terminate the removal contract by notifying the Erkende Verhuizer of this in writing or electronically. The removal contract ends at the moment that notice is sent.
5. If the customer does not make the removal goods available to the Erkende Verhuizer at the agreed time, the Erkende Verhuizer is entitled to terminate the removal contract. The removal contract ends as soon as the Erkende Verhuizer sends notice (in writing or electronically) that he is terminating the removal contract.
6. If the customer makes only part of the removal goods available to the Erkende Verhuizer at the agreed time, the Erkende Verhuizer is obliged, at the customer's request, to move the goods that have been made available and may terminate the removal contract for the remainder.
7. The customer is obliged to compensate the loss suffered by the Erkende Verhuizer as a result of the goods not being made available, or being made available only in part.

Article 13 - Payment

1. Payment of the removal price is made in cash or by debit card at the time the Erkende Verhuizer delivers the removal goods at the destination, unless agreed otherwise. The customer must pay the removal price when the invoice is presented and against a receipt handed over by the Erkende Verhuizer. Cash payment also includes crediting the amount due to an IBAN indicated by the Erkende Verhuizer at the time of delivery, or payment by means of forms of electronic payment recognised by banks.
2. If, when the invoice is presented by the Erkende Verhuizer, it appears that the customer is not meeting or will not meet his payment obligation, he is entitled to suspend (the completion of) the removal and the Erkende Verhuizer has a right of retention over the removal goods. In that case the Erkende Verhuizer is also entitled to store and sell the removal goods, provided that he has the permission of the court referred to in Article 8:1194(2) of the Dutch Civil Code or in Article 3:251 of the Dutch Civil Code.
3. If it was expressly agreed when the contract was concluded that payment would not be made in cash on delivery, but no payment term was agreed, payment must be made within fourteen days of receipt of the invoice.
4. The customer is in default from the moment the payment term expires. After that date has passed, the Erkende Verhuizer sends a payment reminder and gives the customer the opportunity to pay within seven days of receiving this payment reminder. If payment has still not been made after the term of the payment reminder has expired, the Erkende Verhuizer is entitled to charge the statutory (commercial) interest from the payment date onwards, as well as all extrajudicial collection costs reasonably incurred by him. The level of these extrajudicial collection costs is subject to statutory limits. These may be departed from in the consumer's favour.
5. If the client is not the same person as the person whose removal goods are the subject of the removal contract, the Erkende Verhuizer makes separate arrangements with the client about payment of the costs arising from the removal contract and about delivery if the owner of the removal goods cannot be reached. If the client does not meet his payment obligations, the owner of the removal goods is liable for payment of the removal costs.
6. Set-off against claims for payment of the removal price is not permitted, unless the parties agree otherwise in writing or electronically.

Article 14 - Liability of the Erkende Verhuizer

1. If the Erkende Verhuizer fails to meet the obligations resting on him under Article 8, he is liable for the loss caused as a result. This is unless the failure was caused by a circumstance that a careful remover could not have avoided and in so far as such an Erkende Verhuizer could not have prevented its consequences.
2. As far as carriage by sea or inland waterway, by rail or by air is concerned, as well as carriage by road outside Europe, the Erkende Verhuizer acts solely in the capacity of freight forwarder.
3. In the case of loss caused by delay, the Erkende Verhuizer is not liable for loss exceeding the removal price; the extent of the loss caused by delay must be demonstrated by the customer.
4. The Erkende Verhuizer cannot escape his liability in his capacity of remover by relying on:
   • a defect in the vehicle used for the removal;
   • a defect in the equipment he uses, unless this was made available to him by the customer; equipment does not include a ship, aircraft or railway wagon on which the vehicle used for the removal is carried;
   • a defect in the anchor points used to attach hoisting equipment, or for the use of a moving lift;
   • any damage caused to the removal goods by third parties whose actions are not at the customer's risk.
5. An Erkende Verhuizer who fails to meet the obligations resting on him is nevertheless not liable for the loss caused as a result, in so far as that failure was caused by a circumstance that a careful remover could not have avoided and in so far as such a remover could not have prevented its consequences.
6. Where the Erkende Verhuizer proves that the failure to meet the obligations resting on him may have been the consequence of the circumstances mentioned below, it is presumed that the failure arose from that:
   • the packing or dismantling, or the unpacking or assembly, of removal goods by the customer or with the help of any person or means made available for that purpose by the customer on his own initiative;
   • help with the removal given by the owner of the removal goods, his family members, friends or third parties whom he has asked to help with the removal;
   • the customer's choice - although the Erkende Verhuizer offered him another option - of a method of packing or of performing the removal contract that differs from what is usual for the agreed removal;
   • the presence among the removal goods of items for which the Erkende Verhuizer would have taken special measures if the customer had informed him of their presence and their nature in accordance with Articles 7 and/or 9;
   • the nature or condition of the removal goods themselves, which have been exposed to total or partial loss or to damage solely through causes connected with that nature or condition, such as: leakage, deflation or melting of other goods forming part of the household contents, the death of plants; the loss of banknotes, negotiable instruments, precious metals, coins and medals, precious stones, pearls, documents and collections, unless the customer has handed these items to the Erkende Verhuizer separately before the start of the removal, stating their quantity and value;
   • electrical, electronic and mechanical equipment ceasing to work or no longer working properly.
7. Where the Erkende Verhuizer proves that the failure to meet the obligation resting on him under Article 8 may have been the consequence of one or more of the special risks mentioned above in this paragraph 3, it is presumed that the failure arose from that, without prejudice to the customer's right to provide evidence to the contrary.
8. The Erkende Verhuizer is liable for wrongly leaving objects behind in the loading places or wrongly taking them away from those places, if he expressly knew or ought to have known this.
9. In so far as the customer does not come forward, refuses to receive removal goods or does not take receipt of them with the required speed, or in so far as the removal goods have been seized, the Erkende Verhuizer is entitled to store these removal goods for the account and risk of the person entitled to them in a suitable storage place. He is obliged to notify the customer in writing or electronically as soon as possible, enclosing the AVBV 2025.
10. Without prejudice to the effect of this article, the Erkende Verhuizer is not liable for loss other than that caused by failure to meet his obligations mentioned in Article 8 of these conditions.
11. In the case of storage or custody outside the Netherlands, the Erkende Verhuizer is never liable for loss or damage, however caused.

Article 15 - Liability of the customer

1. The customer is liable for the costs and loss suffered by the Erkende Verhuizer as a result of the information mentioned in Articles 7, 9 and 10 not being given or not being given adequately, unless the customer cannot be blamed.
2. Except in the event of force majeure, the customer is obliged to compensate the Erkende Verhuizer for loss if, through the customer's act or omission, the removal contract cannot be performed or cannot be performed as agreed. The compensation amounts to no more than a sum equal to the removal price. In the event of cancellation, Article 12 applies.
3. The customer will indemnify the Erkende Verhuizer at his first request if the Erkende Verhuizer is held liable by third parties outside the contract for loss or financial disadvantage - including criminal, administrative and any civil fines - connected in any way with the performance of the removal contract by the Erkende Verhuizer, his subordinates and auxiliary persons. This applies where this loss is the consequence of an act or omission of the customer contrary to any statutory rule.

Article 16 - Reporting damage

If damage is found when the removal goods are delivered, the customer must report it to the Erkende Verhuizer during the removal. If there is no opportunity on delivery to establish any damage to the removal goods, the customer must state this in writing or electronically beforehand or at the time of delivery at the latest.

It is strongly recommended that damage be reported to the Erkende Verhuizer in writing or electronically within two working days of the removal. If the Erkende Verhuizer has not received the report referred to above within fourteen days of the removal, he is deemed to have carried out the removal without any noticeable damage.

Article 17 - Compensation in the event of liability

1. The compensation the Erkende Verhuizer owes for failing to meet the obligations resting on him (Article 8) is in all cases limited to € 15,000 per removal, that is to say both in so far as the remover acts in the capacity of remover and in the capacity of freight forwarder, on the understanding that where the mandatory rules of Article 4, Book 8, Title 13 (removal contract) apply, liability is limited to € 23,000.
2. If, in one and the same contract, the Erkende Verhuizer undertakes to carry out more than one (consumer) removal, his liability referred to in the first paragraph applies per removal.
3. The Erkende Verhuizer cannot rely on any limitation of his liability in so far as the loss arose from his own act or omission, done either with intent to cause that loss or recklessly and with the knowledge that such loss would probably result.
4. Damage to the removal goods that is less than or equal to € 50 is at the customer's expense.

Article 18 - Limitation period

All claims based on or connected with the removal contract lapse one year after delivery of the removal goods.

Article 19 - Complaints

Complaints about the performance of the contract must be submitted to the Erkende Verhuizer, fully and clearly described, in good time after the customer has discovered the shortcomings. Failure to submit the complaint in good time may mean that the customer loses his rights in the matter.

Article 20 - Disputes scheme

1. Disputes between the customer and the Erkende Verhuizer about the conclusion or the performance of the removal contract as referred to in Article 1 may be brought before De Geschillencommissie Verhuizen, Postbus 90600, 2509 LP Den Haag (www.degeschillencommissie.nl), by the customer as well as by the Erkende Verhuizer.
2. De Geschillencommissie Verhuizen will only take a dispute into consideration if the customer has first submitted his complaint to the Erkende Verhuizer.
3. After the complaint has been submitted to the Erkende Verhuizer, the dispute must be brought before De Geschillencommissie Verhuizen no later than twelve months after it arose.
4. Where the customer brings a dispute before De Geschillencommissie Verhuizen, the Erkende Verhuizer is bound by this choice. If the Erkende Verhuizer wishes to bring a dispute before De Geschillencommissie Verhuizen, he must ask the customer to state within five weeks whether he agrees. In doing so, the Erkende Verhuizer must announce that once that period has expired, he will consider himself free to bring the dispute before the courts.
5. De Geschillencommissie Verhuizen gives its decision with due regard for the provisions of the rules applying to it and also the applicable Erkenningsreglement of the Organisatie voor Erkende Verhuizers, which Erkende Verhuizers must meet at all times. Under those rules, the decisions of De Geschillencommissie Verhuizen take the form of binding advice. The rules are sent on request. A fee is payable for handling a dispute.
6. Only the court of the place of business of the Erkende Verhuizer or the disputes committee mentioned above has jurisdiction to hear disputes, unless mandatory law provides otherwise.

Article 21 - Applicable law and choice of forum

Dutch law applies to contracts concluded, changed or supplemented on the basis of the AVVV-BE 2025, unless mandatory law provides otherwise.

Article 22 - Citation title

The General Terms and Conditions for International Removals outside Europe 2025 may be cited as AVVV-BE 2025.

General Terms and Conditions for the Storage of Removal Goods AVBV 2025

Article 1 - Definitions

In these conditions the following terms mean:

Customer: the depositor, the person who places removal goods in storage;

Consumer: a consumer, a natural person acting for purposes outside his trade or professional activity;

Custodian: the contractor recognised by the Organisatie voor Erkende Verhuizers who takes removal goods into storage professionally;

Storage contract: the contract in which the custodian undertakes towards the customer to store and return the removal goods that the customer entrusts or will entrust to him;

Removal goods: items present in a space, whether covered or not, which are intended for the soft furnishings, furniture or fitting out of that space and have already been used as such;

Storage place: a clean and dry space suitable for storing removal goods;

Inventory list: a list, signed by the customer and the custodian, stating the removal goods placed in storage and any visible defects in them.

Article 2 - Applicability

These general terms and conditions apply to a contract for the storage of removal goods. The parties may agree to apply these conditions to items belonging with the removal goods, such as cars, motorcycles, boats and caravans. If a removal takes place in connection with the storage or custody of the removal goods, the General Terms and Conditions for Removals (AVVV 2025) apply to the removal.

Article 3 - Information to be given by the parties in advance

1. The custodian points out to the customer that the customer must give notice of items among the removal goods to be placed in storage which may clearly pose a danger to the goods kept in the storage place, of items requiring special care and of the presence of objects of particular value (valuable papers, objects of precious metal or negotiable instruments) as mentioned in Article 15 paragraph 3 of these conditions.
2. The custodian has the right to refuse goods that are unsuitable for his storage place. In any event, the following are not taken into storage:
   • perishable goods such as food and animal feed;
   • fuels;
   • dangerous or explosive substances;
   • waste;
   • medicines or drugs;
   • valuable goods such as art or personal jewellery;
   • live animals;
   • plants and animals, or products of them, that are banned under CITES rules;
   • weapons and ammunition;
   • other prohibited or sanctioned goods.
3. The custodian ensures that an inventory list is drawn up for every storage when the storage contract is concluded, which forms part of the storage contract as an annex. Where possible, the inventory list should state the value of the items placed in storage as given by the customer.
4. The custodian may require the customer to produce a valid form of identification (passport or identity card).
5. The customer is obliged to pass on to the custodian (in writing), before the storage begins, all instructions of which he knows or ought to know that they matter for careful storage.

Article 4 - The quotation

1. The quotation for taking removal goods into storage is issued in writing or electronically.
2. The quotation states at least:
   • the starting date and, if possible, the end date of the storage or, if that is not possible, an indication that it is for an indefinite period;
   • the storage charge, the method of payment and the payment term;
   • the costs of taking receipt of the removal goods and returning them (handling-in and handling-out costs);
   • which care measures the custodian will take and the costs of those measures;
   • that the General Terms and Conditions for the Storage of Removal Goods (AVBV 2025) apply to the work to be carried out. A copy of these general terms and conditions is sent with the quotation or is given to the customer no later than when the storage contract is concluded.
3. The quotation is dated and is in force for thirty days after the date of the quotation.

Article 5 - Storage charge

1. The storage charge, being the price for the storage, is determined on the basis of the volume, weight or space taken up by the removal goods to be taken into storage, the care that must be given to these goods under the storage contract and the period to which the storage relates.
2. Unless agreed otherwise in writing or electronically, the following costs do not form part of the storage charge and are charged to the customer separately:
   • costs that were not foreseeable when the contract was concluded but which the custodian nevertheless has to incur in connection with the agreed care of the goods placed in storage or which he has to incur in order to meet his duty of care;
   • the custodian informs the customer in advance, where this is possible, of the measures to be taken and the costs;
   • costs of taking receipt of the removal goods and returning them (handling-in and handling-out costs);
   • the premiums and charges for the insurance referred to in Article 13.
3. If no storage charge has been agreed, the Erkende Verhuizer is entitled to a storage charge to be set in accordance with reasonableness and fairness.
4. In the case of long-term storage, the storage charge is adjusted annually. The first adjustment of the storage charge may take place one year after the date on which the goods were taken into storage, unless the contract provides otherwise.

Article 6 - The contract

The contract is concluded:

• as soon as the customer has stated in writing or electronically that he accepts the quotation of the Erkende Verhuizer;
• if no quotation has been issued, at the moment the contract has been signed by both parties or approved electronically;
• and in all other cases as soon as the customer actually makes removal goods available to the Erkende Verhuizer for storage.

Article 7 - Change of address

1. The customer is obliged to inform the custodian in writing or electronically as soon as possible of any changes of address.
2. The custodian may make all communications to the customer that he is required to make under the storage contract to the last address known to him.
3. If the customer is away for at least two months, he must report this to the custodian in writing or electronically and appoint a contact person or authorised representative.
4. The custodian is not liable for loss suffered by the customer because the customer himself has not met the obligations set out in this article.

Article 8 - Cancellation

The customer may cancel the contract. He owes the custodian compensation of at most one month's storage charge, unless the custodian shows that the loss suffered through the cancellation is considerably more than one month's storage charge.

Article 9 - Termination of the contract by the customer

1. The depositor may terminate a storage contract early, observing a notice period of one month.
2. The custodian is obliged to return the removal goods placed in storage before the notice period expires, against payment of any storage charge not yet paid and of any costs payable by the depositor. The return takes place as far as possible at the time desired by the depositor.
3. After the notice period has expired, the removal goods placed in storage remain with the custodian for the account and risk of the depositor, on the understanding that the obligation to pay the storage charge continues until the moment the removal goods have been returned to the depositor or have been sold or destroyed by the custodian.

Article 10 - Termination of the contract by the custodian

1. The custodian may terminate a storage contract early if he closes his business and if continuation of the contract cannot reasonably be required of him. He must notify the customer of the termination in writing or electronically and observe a notice period of two months.
2. The customer is obliged to take back the removal goods placed in storage before the notice period expires, against payment of any storage charge not yet paid and of any costs payable by the customer. The return takes place as far as possible at the time desired by the customer.
3. After the notice period has expired, the removal goods placed in storage remain with the custodian for the account and risk of the customer, on the understanding that the obligation to pay the storage charge continues for the duration of the (replacement) storage or until the moment the removal goods have been returned to the customer or have been sold or destroyed by the custodian.
4. Where the business is closed, the custodian must arrange replacement storage if the customer is reasonably unable to enter into a contract with another custodian. This obligation does not apply where the customer has been negligent.

Article 11 - Return

1. The stored removal goods are returned at the address of the storage place, unless agreed otherwise.
2. The stored removal goods are returned to the customer with due regard for Article 14 paragraph 2. If this is not possible, they are handed over to the person authorised in writing or electronically by the customer to receive them. If there is no authorised representative, they are handed over to the person entitled to their return on grounds other than the storage contract, unless they have been seized and an obligation to hand them over to the seizing party follows from the pursuit of that seizure.
3. Where part of the removal goods taken into storage is returned early, a list must be drawn up, to be signed by the custodian and the customer, stating the goods returned. The custodian may require the customer to provide security for payment of the storage charge where the value of the goods not yet returned gives cause for this, or otherwise where he has good reason to doubt that the storage charge will be paid on time in future.
4. The storage contract ends on the death of the customer, when the customer is placed under guardianship, when he or she has been granted a suspension of payments or when he or she becomes bankrupt. The storage charge is then payable up to and including the month following the month in which the event concerned took place. The heirs, the trustee in bankruptcy or the administrator are obliged to take back the removal goods before the end of the period for which storage charge must be paid. Articles 9 and 14 apply accordingly.

Article 12 - Obligations of the custodian

1. The custodian undertakes to store and return removal goods, whereby he is obliged to return the removal goods in the condition in which he received them. During the storage the custodian must exercise the care of a good custodian.
2. The custodian is obliged to give the customer access to the removal goods taken into storage during the storage period, against payment of the additional costs the custodian has to incur for this and provided that an appointment has been made with the custodian in advance.

Article 13 - Insurance

1. The custodian is insured against his liability risks under the law, the storage contract and these conditions.
2. The custodian points out to the customer that, in order to be insured against risks for which the custodian is not liable, the customer should take out temporary storage insurance for removal goods for the storage period, whether or not through the custodian.

Article 14 - Payment and securities

1. The storage charge and any other costs arising from the contract must be paid by the customer(s), who are jointly and severally liable, per agreed period.
2. All costs the customer owes the custodian must be paid before the removal goods are returned. The custodian has a right of retention over the removal goods taken into storage until the customer has met all his payment obligations under the storage contract or under an earlier removal contract concluded between the same parties.
3. The customer is in default from the moment the payment date passes. After that date has passed, the custodian sends a payment reminder and gives the customer the opportunity to pay within 14 days of receiving this payment reminder. If payment has still not been made after the period set in the payment reminder has expired, the custodian is entitled to charge the statutory interest from the payment date onwards, as well as the extrajudicial collection costs reasonably incurred by him. The level of these extrajudicial collection costs is subject to statutory limits.
4. If the customer's payment arrears amount to more than three months, counting from the original payment date, or as soon as the payment arrears exceed the current value of the removal goods taken into storage including the costs of sale and clearance, the custodian acquires the right to terminate the contract.
5. The custodian must have sent at least one reminder by registered letter to the customer's last address known to the custodian before he can exercise his rights under paragraphs 4 and 6 of this article.
6. A customer who hands removal goods to the custodian in performance of a contract thereby creates a possessory pledge over those removal goods in favour of the custodian as further security for payment of everything he owes or will owe the custodian. The custodian may proceed to (public) sale of the removal goods, unless the customer has submitted a complaint as described in Article 19 of these conditions to De Geschillencommissie Verhuizen. Before proceeding to sale, the custodian will:
   1. if and in so far as the customer's address details are known, once again summon him by registered letter to pay all costs due. The letter must state that the custodian will proceed to public sale (or private sale, see paragraph 7) if the customer also allows the period set in the summons to expire;
   2. if and in so far as the customer's address details are not known, or where the registered letter has not reached the customer for whatever reason, make the communications referred to under a. above by bailiff's writ, sent to the customer's last address known to the custodian.
7. The public sale may be replaced by a private sale if the expected costs of a public sale would exceed the estimated proceeds of the removal goods, subject to the applicable statutory rules. If the proceeds of the sale of the removal goods exceed the custodian's claims, the surplus is, where possible, handed to the customer or transferred to his bank account.

Article 15 - Liability of the custodian

1. If the custodian fails to meet the obligations resting on him, he is liable for the loss caused as a result, unless the failure was caused by a circumstance that a careful custodian could not have avoided and in so far as such a custodian could not have prevented its consequences.
2. The custodian cannot escape his liability by relying on:
   • a defect in the storage place, except as provided in paragraph 3 under j of this article;
   • a defect in the equipment he uses;
   • any damage caused to the removal goods by third parties whose actions are not at the customer's risk.
3. Provided that he has met his duty of care, and subject to evidence to the contrary, the custodian is not liable for loss that is the consequence of special risks connected with one or more of the following circumstances:
   1. damage to or loss of the removal goods taken into storage if the damage or loss arises from an inherent defect in or inherent deterioration of these removal goods;
   2. damage or loss through normal wear and/or normal decline in quality;
   3. damage to items that were not packed, wrapped or unpacked by the custodian or his staff and that is not due to acts of the custodian or his staff, or damage through handling, loading, stowing or unloading of the items by the depositor or persons acting for the account of the depositor;
   4. damage caused by liquids leaking from lamps, bottles, barrels and the like;
   5. damage to electrical, electronic and mechanical equipment, clocks and barometers in so far as the damage relates solely to the nature or condition of the item concerned;
   6. the backing coming off mirrors or damage to it;
   7. damage to the removal goods such as through moths, woodworm or rust, provided that the custodian has met his duty of care;
   8. damage arising from the nature of the items taken into storage themselves, which have been exposed to total or partial loss or to damage through causes connected with that nature, in particular through ignition, explosion, melting, breakage, corrosion, decay, drying out, leakage, normal loss of quality, or the appearance of vermin or rodents, such as freshly polished or painted furniture, plaster coming off painted or gilded mirror or picture frames, glue coming loose from parts of furniture, the effect of the atmosphere on pastel drawings, pianos going out of tune, the decline in quality of information carriers such as audio and video tapes and the like, provided that the custodian has met his duty of care;
   9. damage resulting from the loss of keys to furniture, unless these were handed to the custodian or his staff and this is shown by the inventory list;
   10. damage resulting from the loss of items such as banknotes, coins and medals, negotiable instruments, precious metals, precious stones, jewellery, documents and collections, where it does not follow from the inventory list or another document signed by the customer and the custodian that these items were in fact placed in storage. Where the custodian proves that, given the circumstances of the case, the failure to meet the obligation resting on him under Article 12 may have been the consequence of one or more of the special risks mentioned above in paragraph 3, it is presumed that the failure arose from that, without prejudice to the customer's right to provide evidence to the contrary.
   11. heat, cold, temperature differences or humidity of the air, provided that the custodian has met his duty of care. If, with the customer's permission, the storage takes place for a short period only (a maximum of three months) in a container in the open air, the custodian is presumed to have met his duty of care, subject to evidence to the contrary.
   12. damage or loss as a result of vermin, insects, fungi, bacteria, viruses and other micro-organisms.

Article 16 - Liability of the customer

1. The customer must compensate the loss the custodian has suffered as a result of the removal goods placed in storage by the customer, as well as all necessary costs of any clearance, sale, service of bailiff's writs and the like.
2. If the customer has not met his obligation as referred to in Article 7, any costs resulting from this are payable by the customer.

Article 17 - Reporting damage

1. The customer must report noticeable damage to the custodian immediately on or directly after the return, failing which the custodian is deemed to have returned the removal goods without immediately noticeable damage.
2. Damage that is not immediately noticeable must be reported to the custodian as soon as possible and no later than within fourteen days of the return, failing which the custodian is deemed to have returned the removal goods without any damage that is not immediately noticeable.
3. Damage must be reported in writing or electronically.

Article 18 - Compensation in the event of liability

1. In so far as the custodian is liable for failing to meet his obligations as mentioned in Article 12, the customer is entitled to compensation made up as follows:
   • in the event of total loss or disappearance: compensation equal to the value the removal goods concerned would have had at the time and place at which they should have been returned, increased by any costs directly connected with the loss;
   • in the event of partial loss or damage: compensation which, at the customer's choice, consists of:
     • a reasonable amount for repair of the damaged removal goods, except where the repair costs exceed the current value of the damaged removal goods. In that case the current value is paid on the basis of total loss;
     • an amount equal to the value the removal goods would have had at the time and place at which they should have been returned, less the residual value of the removal goods on return and less any savings on the customer's side.
2. The compensation the custodian owes under a contract he has entered into for the storage of removal goods for failing to meet the obligations resting on him under that contract is limited to a maximum of € 23,000 per removal contract, by analogy with the provisions of Article 8:1182 of the Dutch Civil Code. The parties may, however, agree that the maximum contractual liability of the custodian under this contract be increased, against payment, to an amount to be specified.

Article 19 - Complaints

Complaints about the performance of the contract must be submitted to the custodian, fully and clearly described, in good time after the customer has discovered or ought to have discovered the shortcomings. Failure to submit the complaint in good time may mean that the customer loses his rights in the matter.

Article 20 - Disputes scheme for consumers

1. Disputes between a consumer and the custodian about the conclusion or the performance of the storage contract as referred to in Article 1 may be brought before De Geschillencommissie Verhuizen, Postbus 90600, 2509 LP Den Haag (www.degeschillencommissie.nl), by the consumer as well as by the custodian.
2. De Geschillencommissie Verhuizen will only take a dispute into consideration if the consumer has first submitted his complaint to the custodian.
3. After the complaint has been submitted to the custodian, the dispute must be brought before De Geschillencommissie Verhuizen no later than twelve months after the complaint was submitted.
4. Where the consumer brings a dispute before De Geschillencommissie Verhuizen, the custodian is bound by this choice. If the custodian wishes to bring a dispute before De Geschillencommissie Verhuizen, he must ask the consumer to state within five weeks whether he agrees. In doing so, the custodian must announce that if the consumer has not replied, or has not replied in the affirmative, once that period has expired, the custodian will consider himself free to bring the dispute before the courts.
5. De Geschillencommissie Verhuizen gives its decision with due regard for the provisions of the rules applying to it, as well as the applicable Erkenningsreglement and the internal rules of the Organisatie voor Erkende Verhuizers, which Erkende Verhuizers must meet at all times. Under those rules, the decisions of De Geschillencommissie Verhuizen take the form of binding advice. The rules are sent on request.
   A fee is payable for handling a dispute.
6. Only the courts or the disputes committee mentioned above have jurisdiction to hear disputes.

Article 21 - Compliance guarantee for consumers

1. The Organisatie voor Erkende Verhuizers guarantees, towards consumers only, that its members will comply with the binding advice of De Geschillencommissie Verhuizen, unless the member concerned decides to submit the binding advice to the courts for review within two months of it being sent. This guarantee revives if the binding advice has been upheld after review by the courts and the judgment showing this has become final. Up to a maximum of € 10,000 per binding advice, this amount is paid by the Organisatie voor Erkende Verhuizers to the consumer. For amounts greater than € 10,000, the consumer is paid € 10,000. For the excess, the Organisatie voor Erkende Verhuizers has a best-efforts obligation to ensure that the member complies with the binding advice. This best-efforts obligation means that the consumer is offered the opportunity to assign his claim to the Organisatie voor Erkende Verhuizers, after which that organisation will claim payment in law in its own name and at the expense of the Organisatie voor Erkende Verhuizers for the benefit of the consumer.
2. The Organisatie voor Erkende Verhuizers gives no compliance guarantee if, before the consumer has met the formal admission requirements for the dispute to be taken into consideration (payment of the complaint fee, return of the completed and signed questionnaire and any deposit payment), one of the following situations applies:
   • the member has been granted a suspension of payments;
   • the member has been declared bankrupt;
   • the business activities have actually ended.
   The decisive factor in this situation is the date on which the closure of the business was entered in the Handelsregister, or an earlier date on which the Organisatie voor Erkende Verhuizers can show that the business activities had actually ended.

Article 22 - Limitation period

All claims based on or connected with the storage contract lapse one year after return of the removal goods, or one year after the goods were damaged or lost, whichever occurs first.

Article 23 - Applicable law

Dutch law applies to contracts concluded, changed or supplemented on the basis of the AVBV 2025, unless mandatory rules make other law applicable.

Article 24 - Changes

Changes to these conditions can be made only in consultation with the Toetsingscommissie of the Stichting De Geschillencommissie, if and in so far as they arise from changes in legislation and regulations relating to the performance of the work to which these conditions apply. Where such changes are made, they take effect only one month after the changes have been published. The Organisatie voor Erkende Verhuizers undertakes to make adopted changes public.

Article 25 - Citation title

The General Terms and Conditions for the Storage of Removal Goods may be cited as AVBV 2025. All earlier versions have lapsed.

General Terms and Conditions for the Provision of Handyman Services AVHD 2025

Article 1 - Definitions

In these conditions the following terms mean:

Customer: the client acting as a consumer or in the exercise of a profession or business;

Consumer: a natural person acting for purposes outside his trade and professional activity;

Erkende Verhuizer: the contractor recognised by the Organisatie voor Erkende Verhuizers, who carries out consumer removals professionally and carries out small-scale handyman jobs commercially;

Handyman contract: the contract for handyman work under which the Erkende Verhuizer undertakes towards the customer to carry out handyman work;

Additional and reduced work: additions to or reductions of the agreed work desired by the customer, which lead to a payment above or a reduction of the agreed price;

Disputes committee: De Geschillencommissie Verhuizen of the Stichting Geschillencommissies voor Consumentenzaken (Postbus 90600, 2509 LP Den Haag, www.degeschillencommissie.nl).

Article 2 - Scope

These general terms and conditions - hereinafter referred to as the Handyman conditions - apply to every offer for and every agreed handyman contract between the customer and the Erkende Verhuizer.

Article 3 - Concluding the contract

1. The Erkende Verhuizer ensures that every job is in principle recorded in writing in an Opdrachtformulier Handymandiensten (handyman services order form). A job includes a clear description of the work to be carried out, with:
   • a statement of the time at which the work can start and an indication of how long the work will take;
   • the price of the work;
   • the method of payment.
2. The customer and the Erkende Verhuizer can make arrangements on the basis of two pricing methods:
   • fixed price;
   • guide price.
3. A fixed price may be departed from in the final invoice only on the basis of a provision in these Handyman conditions.
4. A guide price is calculated on the basis of an estimate using rates agreed in advance per volume and/or distance and/or duration, in which the Erkende Verhuizer describes the agreed work and the pricing method very precisely. In doing so, the Erkende Verhuizer, as an experienced professional, has a duty of care to inform the consumer fully so that the consumer can make a realistic estimate of the total costs in advance. Where a guide price has been given, it may not be exceeded by more than fifteen per cent.
5. Where the customer is a consumer, all prices are stated including VAT.
6. The Erkende Verhuizer ensures that these Handyman conditions are given to the customer in good time, and no later than at the time the contract is concluded.

Article 4 - Obligations of the Erkende Verhuizer

1. The Erkende Verhuizer guarantees that the work will be delivered properly and soundly in accordance with the provisions of the contract and that he will use sound working methods and materials.
2. In preparing and carrying out the job, the Erkende Verhuizer will, as far as reasonably possible, respond to and take account of the customer's wishes.
3. In carrying out the work, the Erkende Verhuizer observes the rules and regulations that apply to it, as they are or will be in force at the time the work is carried out.
4. The Erkende Verhuizer is obliged to point out to the customer:
   • errors in the work commissioned, in so far as the Erkende Verhuizer knows of them or ought reasonably to know of them;
   • errors in the constructions and working methods required by the customer;
   • apparent defects in the (im)movable property on which the work is carried out;
   • defects in or unsuitability of materials or aids made available by the customer; all of this in so far as these become apparent to the Erkende Verhuizer before or during the performance of the work and the Erkende Verhuizer must be regarded as having expertise in the matter.
5. If the Erkende Verhuizer fails to meet one or more arrangements, or fails to meet them on time or properly, he is obliged to compensate the loss reasonably connected with this.

Article 5 - Obligations of the customer

1. The customer guarantees the soundness and suitability of the materials and aids he makes available or prescribes and the accuracy of the information he provides.
2. The customer must ensure that the Erkende Verhuizer can carry out his work on time and properly.

Article 6 - Changing the job

The parties may agree additional and reduced work, in which case the Erkende Verhuizer ensures that this is recorded in writing on an order form as referred to in Article 3, including the customer's approval.

Article 7 - Unforeseen complications

1. Where unforeseen complications arise, the Erkende Verhuizer informs the customer of this as soon as possible.
2. If the Erkende Verhuizer cannot reach the customer, the Erkende Verhuizer must interrupt the work, except where the unforeseen complication requires immediate action.
3. Any extra costs the Erkende Verhuizer has to incur in connection with an unforeseen complication that requires immediate action and that are necessary to prevent and/or limit the damage will be paid by the customer, unless the damage is attributable to the Erkende Verhuizer.

Article 8 - Completion

1. After the work has been finished, the Erkende Verhuizer invites the customer to take delivery of the work carried out. The customer must respond within a reasonable period and may accept the work, whether or not subject to reservations, or refuse it while pointing out the defects.
2. If defects are found which the Erkende Verhuizer has to put right, the Erkende Verhuizer will remedy these defects as soon as possible, and no later than within two weeks of the completion date, unless this is impossible because of circumstances outside the Erkende Verhuizer's sphere of risk.

Article 9 - Payment and suspension

1. Payment by the customer must be made no later than two weeks after receipt of the invoice.
2. If the parties have agreed payment in instalments, payment is made in proportion to the progress of the work.
3. If payment in instalments has been agreed and the Erkende Verhuizer does not meet his obligations regarding continuation of the work, the customer has the right to suspend payment until the moment the Erkende Verhuizer meets his obligations, on the understanding that the amount suspended must be in reasonable proportion to the defect found.
4. If the amount suspended is not in reasonable proportion to the defect found, the Erkende Verhuizer has the right to charge the statutory interest on the amount suspended in excess.
5. If the customer does not meet his payment obligations, the Erkende Verhuizer is entitled to suspend his obligations regarding continuation of the work until the moment the customer meets his payment obligation.

Article 10 - Final invoice

1. The Erkende Verhuizer will hand the final invoice to the customer at the completion or send it as soon as possible after the completion.
2. Where the contract is based on a guide price, the final invoice contains a breakdown of the hours spent, the materials supplied and other costs (such as tool hire, parking charges, precario charges and the like).
3. Where the contract is based on a fixed price, the final invoice contains a breakdown of the fixed price, any ‘additional and/or reduced work’ and any extra costs arising from unforeseen complications.
4. The final invoice also contains a breakdown of any amounts already paid by the customer and of the remaining balance.
5. All payments must be made within 2 weeks of receipt of the invoice, unless the parties have agreed another period.

Article 11 - Failure to meet the payment obligation

1. If the customer does not pay on time, he is deemed to be in default without any further notice of default. Nevertheless, after the payment term has expired (as referred to in Article 9 paragraph 1 and Article 10 paragraph 5), the Erkende Verhuizer sends one payment reminder. In it he points out the customer's default and gives him the opportunity to pay within two weeks of receiving this payment reminder.
2. On payments that have not been made on time, the Erkende Verhuizer may charge interest from the expiry of the payment term (as referred to in Article 10 paragraph 5) until the day the amount due is received. This interest is equal to the statutory interest.
3. Once the period mentioned in paragraph 1 has expired, the Erkende Verhuizer is entitled to proceed to recovery of the amount owed to him without any further notice of default.

Article 12 - Guarantee

1. The Erkende Verhuizer guarantees that any defects that come to light after the completion will be remedied free of charge for a period of one year from the completion, unless he shows that the defect is not a consequence of the work. If the parties have agreed a longer period, this must be stated on the order form. The foregoing does not affect the fact that the Erkende Verhuizer may also be liable by law for any defects in the work after that period.
2. The defects referred to in paragraph 1 are defects that could not have been recognised by the customer before the moment of discovery and that the customer has reported to the Erkende Verhuizer in writing within a reasonable time. Complaining too late may mean that the customer loses his rights in the matter.

Article 13 - Liability of the Erkende Verhuizer

1. If the Erkende Verhuizer fails to meet the obligations resting on him under Article 4, he is liable for the loss caused as a result. This is unless the failure was caused by a circumstance that a careful Erkende Verhuizer could not have avoided and in so far as such an Erkende Verhuizer could not have prevented its consequences.
2. The Erkende Verhuizer cannot escape his liability by relying on a defect in the equipment he uses, unless this was made available by the customer.
3. The Erkende Verhuizer is liable for wrongly leaving objects behind or wrongly taking them away, if he expressly knew or ought to have known this.

Article 14 - Liability of the customer

1. The customer is liable for the costs and loss suffered by the Erkende Verhuizer as a result of the customer not meeting the obligations resting on him under Article 5, or not meeting them on time or adequately, unless the customer cannot be blamed.
2. The customer will indemnify the Erkende Verhuizer at his first request if the Erkende Verhuizer is held liable by third parties outside the contract for loss or financial disadvantage - including criminal, administrative and any civil fines - connected in any way with the performance of the handyman contract by the Erkende Verhuizer, his subordinates and auxiliary persons.
3. The customer bears the risk of loss caused by:
   • errors in the work commissioned;
   • errors in the constructions and working methods required by the customer;
   • apparent defects in the (im)movable property on which the work is carried out;
   • defects in or unsuitability of materials or aids made available by the customer.
   This does not affect the Erkende Verhuizer's duty to warn under Article 4 paragraph 4.

Article 15 - Compensation in the event of liability

1. The compensation the Erkende Verhuizer owes for failing to meet the obligations resting on him (Article 13) is limited to once the agreed price for the handyman contract.
2. The Erkende Verhuizer cannot rely on any limitation of his liability in so far as the loss arose from his own act or omission, done either with intent to cause that loss or recklessly and with the knowledge that such loss would probably result, by analogy with Article 8:1108 of the Dutch Civil Code.
3. The compensation the customer owes for failing to meet the obligations resting on him (Article 15) is limited to once the agreed price for the handyman contract.

Article 16 - Disputes scheme for consumers

1. Disputes between a consumer and the Erkende Verhuizer about the conclusion or the performance of the removal contract as referred to in Article 1 may be brought before De Geschillencommissie Verhuizen, Postbus 90600, 2509 LP Den Haag (www.degeschillencommissie.nl), by the consumer as well as by the Erkende Verhuizer.
2. De Geschillencommissie Verhuizen will only take a dispute into consideration if the consumer has first submitted his complaint to the Erkende Verhuizer.
3. After the complaint has been submitted to the Erkende Verhuizer, the dispute must be brought before De Geschillencommissie Verhuizen no later than three months after it arose.
4. Where the consumer brings a dispute before De Geschillencommissie Verhuizen, the Erkende Verhuizer is bound by this choice. If the Erkende Verhuizer wishes to do so, he must ask the consumer to state within five weeks whether he agrees. In doing so, the Erkende Verhuizer must announce that once that period has expired, he will consider himself free to bring the dispute before the courts.
5. De Geschillencommissie Verhuizen gives its decision with due regard for the provisions of the rules applying to it, as well as the applicable Erkenningsreglement and the internal rules of the Organisatie voor Erkende Verhuizers, which Erkende Verhuizers must meet at all times. The rules of De Geschillencommissie Verhuizen are sent on request. The decisions of De Geschillencommissie Verhuizen take the form of binding advice. A fee is payable for handling a dispute.
6. Only the courts or the disputes committee mentioned above have jurisdiction to hear disputes.

Article 17 - Compliance guarantee for consumers

1. The Organisatie voor Erkende Verhuizers guarantees, towards consumers only, that its members will comply with the binding advice of De Geschillencommissie Verhuizen, unless the member decides to submit the binding advice to the courts for review within two months of it being sent. This guarantee revives if the binding advice has been upheld after review by the courts and the judgment showing this has become final. Up to a maximum of € 10,000 per binding advice, this amount is paid by the Organisatie voor Erkende Verhuizers to the consumer. For amounts greater than € 10,000, the consumer is paid € 10,000. For the excess, the Organisatie voor Erkende Verhuizers has a best-efforts obligation to ensure that the member complies with the binding advice. This best-efforts obligation means that the consumer is offered the opportunity to assign his claim to the Organisatie voor Erkende Verhuizers, after which that organisation will claim payment in law in its own name and at the expense of the Organisatie voor Erkende Verhuizers for the benefit of the consumer.
2. The Organisatie voor Erkende Verhuizers gives no compliance guarantee if, before the consumer has met the formal admission requirements for the dispute to be taken into consideration (payment of the complaint fee, return of the completed and signed questionnaire and any deposit payment), one of the following situations applies:
   • the member has been granted a suspension of payments;
   • the member has been declared bankrupt;
   • the business activities have actually ended. The decisive factor in this situation is the date on which the closure of the business was entered in the Handelsregister, or an earlier date on which the Organisatie voor Erkende Verhuizers can show that the business activities had actually ended.

Article 18 - Changes to the general terms and conditions

Changes to these conditions can be made only in consultation with the Toetsingscommissie of the Stichting De Geschillencommissie, if and in so far as they arise from changes in legislation and regulations relating to the performance of the work to which these conditions apply. Where such changes are made, they take effect only one month after the changes have been published. The Organisatie voor Erkende Verhuizers undertakes to make adopted changes public.

Article 19 - Citation title

The General Terms and Conditions for the Provision of Handyman Services may be cited as AVHD 2025. All earlier versions have lapsed.

Insurance conditions for private removal goods PV05 2025

Article 1 - Definitions

In this insurance the following terms mean:

Insured: the policyholder, his/her spouse and further the persons with whom he/she lives as a household, as well as children living at home and domestic staff living in, and/or the natural or legal person named as such in the policy, in so far as he has an interest in the preservation of the insured item.

Insured interest: the interest of the insured party or parties in the preservation of the insured items by virtue of ownership or another property right, or by bearing the risk for their preservation or the liability for it, for example for the removal, removal goods of a deceased person and possible liability towards heirs.

Removal goods: all movable property owned by the insured and belonging to the insured's private household, including personal jewellery and other valuable removal goods as well as items intended for trade and professional purposes, motor vehicles, trailers, caravans, vessels and their parts and accessories. Money and negotiable instruments are not counted as removal goods.

Personal jewellery: jewellery, including watches, made to be worn on or around the body and consisting wholly or partly of (precious) metal, stone, mineral, ivory, (blood) coral or other such substances, as well as pearls. This description also covers personal jewellery that has been withdrawn from its original purpose, such as personal jewellery regarded as an investment.

Other valuable removal goods: audiovisual equipment, computer equipment, antiques and antiquities, objects of particular value, valuable collections, works of art in the broad sense, including jewellery not intended to be worn on or around the body and collections other than personal jewellery.

General average: all damage, including damage caused deliberately, to save a ship and cargo in distress.

Loss mitigation costs: costs incurred by the insured at or after the event in connection with measures to prevent or reduce damage to insured items (Article 7:957 of the Dutch Civil Code).

Replacement value: the amount needed immediately before the damage to buy new items of the same kind and quality.

Current value: the replacement value less an amount for depreciation through age or wear.

Market value: the price that expresses the value on the purchasing market.

Policy/policy schedule: the Garantiecertificaat Erkende Verhuizers together with these General Insurance Conditions is regarded as the policy. The General Insurance Conditions are inseparably linked to the General Terms and Conditions for Removals AVVV 2025 (most recent version), as well as the General Terms and Conditions for the Storage of Removal Goods AVBV 2025.

Article 2 - Extent of the cover

1. The insurance covers physical damage to and/or loss of the removal goods caused by:
   1. fire, even if caused by the nature or a defect of the insured items;
   2. any sudden external calamity;
   3. war and strike risks in accordance with the provisions of the M3 War Risk and Strike Risk Clause; as well as the contribution in general average and loss mitigation costs above the sum insured.
2. Where the policy and the accompanying clauses refer to costs and payments above the sum insured, these are regarded as insured on a “premier risque” basis, regardless of the actual value of the insured items (or interests) immediately before the event.
3. Claims settlement commission:
   This insurance also covers 1% claims settlement commission, which has been taken into account in setting the premium.
4. In the case of storage as part of the removal within the Netherlands as referred to in Article 4 AVVV 2025, the removal goods are insured for the first twelve months as during a removal.
5. In the case of storage as part of the removal within Europe as referred to in Article 5 AVVV 2025, the removal goods are insured for the first thirty days as during a removal.

Article 3 - Exclusions and limitations

1. Damage to the removal goods is excluded from the insurance if it is caused by or is the consequence of causes or circumstances as stated in Article 16 paragraph 4 of the AVVV 2025 and Article 15 paragraph 3 of the AVBV 2025:
   1. the packing or dismantling, or the unpacking or assembly, of removal goods by the customer or with the help of any person or means made available for that purpose by the customer on his own initiative;
   2. help with the removal given by the owner of the removal goods, his family members, friends or third parties whom he has asked to help with the removal;
   3. the customer's choice - although the Erkende Verhuizer offered him another option - of a method of packing or of performing the removal contract that differs from what is usual for the agreed removal;
   4. the presence among the removal goods of items for which the Erkende Verhuizer would have taken special measures if the customer had informed him of their presence and their nature in accordance with Articles 9 and/or 11 AVVV;
   5. the nature or condition of the removal goods themselves, which have been exposed to total or partial loss or to damage solely through causes connected with that nature or condition, such as: leakage, deflation or melting of other goods forming part of the removal goods, the death of plants; the loss of banknotes, negotiable instruments, precious metals, coins and medals, precious stones, pearls, documents and collections, unless the customer has handed these items to the Erkende Verhuizer separately before the start of the removal, stating their quantity and value;
   6. electrical, electronic and mechanical equipment ceasing to work or no longer working properly;
   7. damage to or loss of the removal goods taken into storage if the damage or loss arises from an inherent defect in or inherent deterioration of these removal goods;
   8. damage or loss through normal wear and/or normal decline in quality;
   9. damage to items that were not packed, wrapped or unpacked by the custodian or his staff and that is not due to acts of the custodian or his staff, or damage through handling, loading, stowing or unloading of the items by the depositor or persons acting for the account of the depositor;
   10. damage caused by liquids leaking from lamps, bottles, barrels and the like;
   11. damage to electrical, electronic and mechanical equipment, clocks and barometers in so far as the damage relates solely to the nature or condition of the item concerned;
   12. the backing coming off mirrors or damage to it;
   13. damage to the removal goods such as through moths, woodworm or rust, provided that the custodian has met his duty of care;
   14. damage arising from the nature of the items taken into storage themselves, which have been exposed to total or partial loss or to damage through causes connected with that nature, in particular through ignition, explosion, melting, breakage, corrosion, decay, drying out, leakage, normal loss of quality, or the appearance of vermin or rodents, such as freshly polished or painted furniture, plaster coming off painted or gilded mirror or picture frames, glue coming loose from parts of furniture, the effect of the atmosphere on pastel drawings, pianos going out of tune, the decline in quality of information carriers such as audio and video tapes and the like, provided that the custodian has met his duty of care;
   15. damage resulting from the loss of keys to furniture, unless these were handed to the custodian or his staff and this is shown by the inventory list;
   16. damage resulting from the loss of items such as banknotes, coins and medals, negotiable instruments, precious metals, precious stones, jewellery, documents and collections, where it does not follow from the inventory list or another document signed by the customer and the custodian that these items were in fact placed in storage. Where the custodian proves that, given the circumstances of the case, the failure to meet the obligation resting on him under Article 12 may have been the consequence of one or more of the special risks mentioned above in paragraph 3, it is presumed that the failure arose from that, without prejudice to the customer's right to provide evidence to the contrary;
   17. heat, cold, temperature differences or humidity of the air, provided that the custodian has met his duty of care. If, with the customer's permission, the storage takes place for a short period only (a maximum of three months) in a container in the open air, the custodian is presumed to have met his duty of care, subject to evidence to the contrary;
   18. damage or loss as a result of vermin, insects, fungi, bacteria, viruses and other micro-organisms.
2. Also excluded from the insurance is damage to the removal goods if it is caused by or is the consequence of:
   1. intent, or done with the consent of the policyholder or any party with an interest in payment under this insurance;
   2. separately from other valuable removal goods, for theft of personal jewellery during a removal within the Netherlands as referred to in Article 4 AVVV a maximum payment of € 5,000 per event is made;
   3. separately from other removal goods, for damage to items intended for trade and professional purposes during a removal within the Netherlands as referred to in Article 4 AVVV a maximum payment of € 25,000 per event is made;
   4. separately from other valuable removal goods, for theft of personal jewellery during a removal within Europe as referred to in Article 5 AVVV a maximum payment of 20% of the insured sum per event is made;
   5. separately from other removal goods, for damage to items intended for trade and professional purposes during a removal within Europe as referred to in Article 5 AVVV a maximum payment of 25% of the insured sum per event is made.

Article 4 - Other insurance

1. Contrary to the provisions of Article 7:961 of the Dutch Civil Code, where it appears that damage covered by this insurance is also covered by one or more other policies, whether or not of an earlier date, or would have been covered by them if this policy had not existed, this insurance runs in excess of the other policy or policies, or as difference in conditions.
2. Where those other policies contain a provision as in paragraph 1, or one to the same effect, or where settlement of a claim under those other policies results in no payment or only partial payment, or where the insured wishes to claim under this policy for other reasons, the insurers will handle the claim and pay an insured loss equal to the amount that would have been paid under this policy if those other policies had not existed, in return for which the insured will assign his claim against the insurers of those other policies up to the amount thus paid. This also applies where insurers have paid a claim without being obliged to do so.

Article 5 - Terrorism cover clause

For the text of this clause we refer to the “Clausuleblad Terrorismedekking” (terrorism cover clause sheet) of the Nederlandse Herverzekeringsmaatschappij voor Terrorismeschaden N.V. (NHT). It is expressly stipulated that the Clausuleblad Terrorismedekking applies if and in so far as no cover for the terrorism risk is given on the basis of the Terrorism Clause.

Article 6 - Clause on nuclear reactions and (bio)chemical weapons

1. This clause prevails over all other provisions of this insurance contract, setting aside any policy provisions and clauses that are not in line with it.
2. Excluded from the insurance is damage caused by, occurring during or arising from:
   1. nuclear reactions, no matter how the reaction arose. A nuclear reaction is understood to mean any nuclear reaction releasing energy, such as nuclear fusion, nuclear fission, and artificial and natural radioactivity. This exclusion does not apply to radioactive nuclides that are outside a nuclear installation and are used or intended to be used for industrial, commercial, agricultural, medical or scientific purposes, on the understanding that a licence for the manufacture, use, storage and disposal of radioactive substances must have been issued by the authorities. In so far as a third party is liable by law for the loss suffered, the exclusion remains in full force. The law is understood to mean the Dutch Nuclear Incidents Liability Act (Wet Aansprakelijkheid Kernongevallen), being the special statutory scheme for liability in the field of nuclear energy. A nuclear installation is understood to mean a nuclear installation within the meaning of that act;
   2. a chemical, biological, biochemical or electromagnetic weapon.

Article 7 - Sanctions and trade restrictions

The insurer is not obliged to provide cover or pay compensation under this insurance if doing so would breach sanctions legislation and regulations under which the insurer is prohibited from providing cover or paying compensation under this insurance.

Article 8 - Reporting damage

If damage or missing items are found when the removal goods are delivered, the insured must report this to the Erkende Verhuizer during the removal. If there is no opportunity on delivery to establish any damage to or missing items among the removal goods, the insured must state this in writing or electronically beforehand or at the time of delivery at the latest. It is strongly recommended that damage or missing items be reported to the Erkende Verhuizer in writing or electronically within two working days of the removal or delivery.

If the Erkende Verhuizer has not received the report referred to above within fourteen days of the removal or delivery, he is deemed to have carried out the removal without any noticeable damage.

Article 9 - Extent of the damage

1. Determining the extent of the damage
   1. Extent of the damage
      Damage is taken to mean the difference between the value of the insured objects immediately before and immediately after the event or, at the insurers' choice, the repair costs established immediately after the event of those items which, in the opinion of the loss adjusters appointed on behalf of the insurers, can be repaired. Damage also includes the size of any loss in value caused by the event and not made good by the repair, as established by the loss adjusters appointed on behalf of the insurers.
   2. Determining the value
      The value immediately before the event is taken to be the amount of the advance valuation or the replacement value. In determining the value immediately after the event, these values will be taken into account where possible. Damage is determined on the basis of current value for motor vehicles, trailers, caravans, vessels and their parts and accessories, as well as for objects whose current value is less than 40% of the replacement value. Objects with an antiquarian or rarity value are paid on the basis of market value. Damage to hired objects is set at the compensation payable to the hire company.
   3. Valuation by experts
      If parts of the removal goods have been valued in advance by experts, that advance valuation applies for three years counting from the date of the valuation report.

Article 10 - Compensation

If there is a right to compensation under this insurance, it will be paid through the Erkende Verhuizer within 4 weeks of receipt of all the information the insurers need.

Article 11 - Limitation period

A legal claim against the insurer for payment lapses after three years, counting from the start of the day following the day on which the party entitled to payment learned that it had become due, in accordance with Article 7:942 of the Dutch Civil Code.

Article 12 - Division between companies

The authorised agent named in the Garantiecertificaat Erkende Verhuizers, 100% logistics exchange facility established in 1917, declares that it has signed for the insurers named in the policy and for the shares accepted for them.

Article 13 - Disputes

The relevant provisions of the AVVV 2025 and the AVBV 2025 apply additionally to disputes between the insured and the Erkende Verhuizer.

Article 14 - Privacy protection

The personal data provided when applying for insurance and any personal data to be submitted later may be included in the personal data records kept by the insurer. A privacy policy applies to these records, as does the code of conduct “Verwerking persoonsgegevens verzekeringsbedrijf” (processing of personal data in the insurance industry). This code of conduct sets out the rights and obligations of the parties in the processing of data.

Article 15 - Handling of complaints, applicable law and competent court

Dutch law applies to this insurance. The Rotterdam district court has jurisdiction over disputes arising from the insurance contract. For complaints about the insurance contract you can write to:

• De Organisatie voor Erkende Verhuizers
  Bredewater 26
  2715 CA ZOETERMEER
  info@erkendeverhuizers.nl
• Schouten Zekerheid Makelaars in Assurantiën B.V.
  Postbus 8789
  3009 AT ROTTERDAM
  info@schoutenzekerheid.nl
• Kifid (Klachteninstituut Financiële Dienstverlening)
  Postbus 93257
  2509 AN ’S-GRAVENHAGE
  Consumenten@kifid.nl