Insuring a Delivery Van

You can insure your delivery van with delivery van insurance. Delivery van insurance is a special type of insurance for delivery vans. A delivery van is, of course, different from a passenger car, particularly in terms of how it’s used. While a passenger car is designed to transport people, a delivery van is specifically designed to transport goods. That’s why it also has a cargo area. This, in turn, presents different risks for an insurer. That is why a distinction is made between passenger car insurance and van insurance. If a van has a maximum loaded weight exceeding 3,500 kg, it is classified as a truck. Do you own a van? If so, we’d be happy to help you find the best van insurance.

You are legally required to have at least third-party liability insurance for your delivery van. With third-party liability insurance for your delivery van, you are covered for damage you cause to others. This means that if you or an employee causes an accident with the delivery van, the other party can file a claim against your auto insurance. Third-party liability insurance alone does not cover damage to your delivery van. For that, you’ll need to purchase comprehensive coverage, such as third-party liability plus limited collision coverageorall-risk coverage.

When insuring your delivery van, you can choose from three different coverage options for your delivery van insurance:

• WA
• Third-Party Liability + Limited Comprehensive Coverage
• All-Risk

Third-party liability insurance for a delivery van is the minimum coverage you must purchase. This covers liability claims. However, you can also opt for more comprehensive coverage. A supplement to the mandatory third-party liability insurance is “Third-Party Liability + Limited Comprehensive.” This covers damage to your delivery van caused by, among other things, fire, storms, theft, or broken windows. With third-party liability or third-party liability plus limited comprehensive coverage, damage to your delivery van caused by your own fault is not covered. For this, you must purchase comprehensive delivery van insurance. This is the most comprehensive insurance option.

Insuring a delivery van starts with comparing delivery van insurance policies. When you begin comparing, you’ll need to enter some information into our online comparison tool. Based on this information, we can provide you with a comprehensive comparison. The information we need is as follows:

• License plate number of the delivery van
• Report code: These are the last four digits of the chassis number
• Place of residence or place of business
• The date of birth of the regular driver
• What you'll use the delivery van for
• How many kilometers will you drive the delivery van?
• Any claim-free years accumulated

Do you use the delivery van for your own business, do you have a company-owned delivery van, or does the van have a gray license plate? If so, you must insure your delivery van as a business vehicle. Business use of a delivery van includes, for example, transporting goods, 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“declaration of exclusive business use of a delivery van.”In that case, you are not allowed to use the delivery van for personal purposes.

Do you own a delivery van, but aren’t you a business owner, or is the van not listed in your company’s books? In that case, you use the van exclusively for personal purposes. You therefore don’t need to insure the vehicle for business use and can take out a personal auto insurance policy. Commuting to and from work counts as private use of the vehicle. Even if you use the delivery van for business purposes on the occasional basis, you can still indicate that you’re driving for personal use when taking out car insurance.

As a self-employed individual, you can purchase either personal or business van insurance. Even as a self-employed individual, you are required to have at least third-party liability insurance. You can also purchase additional coverage. If you purchase business van insurance, the van is registered in your company’s name. If you insure your delivery van as a private individual, it will be registered in your own name. Perhaps you’re a caterer and use your delivery van to transport food. Or maybe you work as a self-employed person in construction and use the delivery van primarily to transport building materials. No matter what you use the delivery van for, you naturally want to be properly insured.

Do you use your delivery van for courier services? If so, you can still insure your delivery van through Alpina.nl. Using a privately insured vehicle for courier services is cheaper from an insurance perspective. However, we do not recommend it. After all, it remains to be seen whether the insurer will provide coverage in the event of damage. A major problem can arise if, in the event of a claim, it turns out that the vehicle was used for purposes other than those covered by the policy. With ourcourier insurance, you can customize your (delivery) van insurance for courier services so that it perfectly fits your business needs.

Although the cost of a delivery van insurance policy through Vereende is higher than that of a standard delivery van insurance policy, the advantage is that you’ll almost always be accepted. Keep in mind, however, that you must pay the premium at least 3 months in advance. This also applies if you choose to pay monthly. In most cases, Vereende also charges a security deposit of €268. If you don’t pay the premium on time, Vereende may use this security deposit to offset the unpaid premium. If you pay on time every month, you’ll get the security deposit back when you cancel the policy.