Insuring a delivery van
Are you looking for the best way to insure your delivery van? As an entrepreneur, your delivery van may be indispensable. Especially if you use it daily to carry out your activities. That is why you can always take out a delivery van insurance with De Vereende via GeenNee.nl. Where regular insurers often drop out of insuring a delivery van, because of the increased risk of damage, you can go to De Vereende.
Insuring a van with van insurance
You can insure your delivery van with a delivery van insurance. A delivery van insurance is a special insurance for a delivery van. A delivery van differs from a passenger car, of course, especially in the type of use. Whereas a passenger car is made to transport people, a delivery van is made especially for transporting goods. That is why it also has a cargo space. For an insurer, this brings with it other risks. That is why a distinction is made between passenger car insurance and delivery van insurance. When the delivery van has a maximum loaded weight that exceeds 3,500 kg, it is called a truck. Do you have a delivery van? Then we would like to help you find the best van insurance.
Why insure a delivery van?
You are legally obliged to have at least a third-party insurance for your delivery van. With a WA delivery van insurance you are insured for damage that you cause to another person. This means that if you or an employee causes an accident with the delivery van, the other party can recover the damage from your car insurance. With only a WA van insurance, damage to your van is not covered. For this you need an extended coverage, like WA + Beperkt Casco or Allrisk.
What does van insurance cover?
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.
Compare van 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
Insuring a van for business
Do you use the delivery van for your own business, do you have a company delivery van or does the car have a grey licence plate? If so, you must insure your delivery van for business purposes. Business use of a delivery van includes goods transport, courier services, paid passenger transport, a garage, a lease company or a driving school. If you use the delivery van exclusively for business purposes, you can apply for a 'statement exclusive business use delivery van'. In that case you may not use the van for private purposes.
Insuring a delivery van privately
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.
Insuring a van for self-employed people
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.
Insuring a van for business
Do you use the delivery van for your own business, do you have a company delivery van or does the car have a grey licence plate? If so, you must insure your delivery van for business purposes. Business use of a delivery van includes goods transport, courier services, paid passenger transport, a garage, a lease company or a driving school. If you use the delivery van exclusively for business purposes, you can apply for a 'statement exclusive business use delivery van'. In that case you may not use the van for private purposes.
Insuring a delivery van privately
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.
Insuring a van for self-employed people
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.
Insuring a delivery van
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.
Cheapest van insurance
Although the costs for van insurance via De Vereende are higher than for regular van insurance, the advantage is that you will almost always be accepted. Please note that you must pay the premium at least 3 months in advance. This also applies if you choose monthly payment. In most cases De Vereende also charges a deposit of €175. Do you not pay the premium in time? Then De Vereende may use this deposit to settle the unpaid premium. If you pay on time every month, you will get the deposit back at the end of the insurance policy.
Insuring a delivery van
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.
Cheapest van insurance
Although the costs for van insurance via De Vereende are higher than for regular van insurance, the advantage is that you will almost always be accepted. Please note that you must pay the premium at least 3 months in advance. This also applies if you choose monthly payment. In most cases De Vereende also charges a deposit of €175. Do you not pay the premium in time? Then De Vereende may use this deposit to settle the unpaid premium. If you pay on time every month, you will get the deposit back at the end of the insurance policy.
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