Van insurance

You can insure your van with a van insurance policy. Van insurance is special insurance for a van. A van obviously differs from a passenger car, especially in its type of use. Whereas a passenger car is made to transport people, a van is specifically for transporting goods. Hence, it also has a cargo area. For an insurer, this in turn carries different risks. This is why a distinction is made between passenger car insurance and van insurance. If the van has a maximum loaded weight higher than 3,500 kg, it is referred to as a truck. Do you have a van? Then we are happy to help you find the best van insurance.

You are required by law to have at least third-party insurance for your van. With third-party van insurance, you are insured for damage you cause to another person. This means that if you or an employee causes an accident with the van, the other party can recover the damage from your car insurance. With only WA van insurance, damage to your van is not covered. For this you need to take out comprehensive coverage, such as WA + Limited Casco or Allrisk.

When insuring your delivery van, you can choose from three different types of cover:

• WA
• WA + Limited Casco
• All-risk

A WA van insurance is the minimum coverage you need to take out. With this, liability damages are covered. However, you can also choose for a more extensive coverage. An addition to the obligatory WA insurance is the WA + Limited Auto. This covers damage to your delivery van caused by fire, storm, theft or broken windows. With WA or WA + Limited Comprehensive Vehicle insurance, damage to your delivery van due to your own fault will not be compensated. For this you need an all-risk van insurance. This is the most complete insurance.

Insuring a delivery van starts with comparing van insurances. When you start comparing, you need to fill in a few details in our online comparison tool. On the basis of these data, we can make a proper comparison. It concerns the following data:

• Registration number of the van
• Reporting code; This is the last four digits of the chassis number
• Place of residence or business
• The date of birth of the regular driver
• What you will use the van for
• How many kilometres you will drive with the van
• Any accumulated claim-free years

Do you use the van for your own business, do you have a company van or does the car have a gray license plate? Then you must insure your van for business use. Business use of a delivery van includes goods transport, courier services, paid passenger transport, a garage, a leasing company or a driving school. If you use the delivery van exclusively for business purposes, you can apply for a 'statement of exclusively business use of delivery van'. In that case, you may not use the van for private purposes.

Do you have a delivery van, but you are not an entrepreneur or the van is not listed in your company's accounts? In that case you will use the van for private purposes only. In that case you do not need to insure the car for business purposes and you can take out a private motor insurance. Commuting between home and work falls under private use of the car. Even if you use the van occasionally for business purposes, you can indicate that you drive for private purposes when taking out the car insurance.

As a ZZP'er, you can take out private or business van insurance. As a self-employed person, you are obliged to take out at least a third-party insurance. You can also take out additional insurance. If you take out a business van insurance, the van will be registered in your company name. If you insure your van privately, it will be in your own name. Maybe you are a caterer and you use your van to transport food. Or perhaps you work as a freelancer in the construction industry and the van is mainly used to transport building materials. Whatever you use the van for, you obviously want to be properly insured.

Do you use your van for courier services? Then you can insure your van via Alpina.nl. Using a privately insured car as a courier is cheaper in insurance. Yet we advise against it. It remains to be seen whether the insurer will cover you in case of damage. There can be a big problem if, in case of damage, it appears that the car was used in a different capacity than the insured capacity. With our courier insurance, you can tailor your (van) car insurance for courier services so that it perfectly suits your business situation.

Although the cost of van insurance through De Vereende is higher than that of regular van insurance, the advantage is that you will almost always be accepted. Keep in mind that you must pay the premium at least 3 months in advance. This applies even if you opt for monthly payment. In most cases De Vereende also charges a deposit of € 175,-. Do you not pay the premium on time? Then De Vereende can use this deposit to settle the unpaid premium. If you pay every month on time, the deposit is returned to you at the termination of the insurance.