Sum insured
- Replacement value as new arrangement in the first period
- Market value per price guide after that
- Declare fitting-out and bodywork separately
- A valuation where the bodywork is unusual
Van · purchase value · sum insured
The bpm scheme in 2025 and your car insurance
Bpm is a tax, not an insurance. Even so, a change works straight through into your policy, because the purchase value is the basis for own-damage cover.
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Deze pagina in het Nederlands: De bpm-regeling in 2025 en uw autoverzekering.
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The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The most important change from 1 January 2025 concerns the business van: the bpm exemption for that group has ended. New vans registered from that moment therefore have a higher purchase price than before. For the levy itself we refer you to the Belastingdienst; we look at what this does to your the insured value does.
That connection is direct. On new vehicles, own-damage cover often works with a a replacement-value-as-new or purchase-value arrangement during the first period, and with market value after that. If the purchase price of a vehicle category changes, so does the amount that comes into play in a total loss or theft. If you drive a van bought under the old regime, the replacement value may by now be higher than the amount your policy works with.
Also pay attention to the use of the van. A commercial registration bought for the business but in practice driven mainly privately, or the other way round, differs from what is stated on the application. That affects both the tax treatment and the cover. See also business car insurance.
What the change affects in your policy
Three parts of car insurance are connected to the purchase value of the vehicle.
Business or private
The use declared determines the rate and underwriting.
- Commuting, business or professional carriage
- Who may drive
- Carriage of third parties' goods
- Report changes during the term
Load and tools
What is in the van is not automatically insured.
- Tools through separate cover
- Alarm and lock requirements
- Often no cover when parked on the street
- Third parties' goods through transport cover
What is covered
| Situation | Third-party liability | Own-damage cover |
|---|---|---|
| Damage you cause to someone else with the van | Yes | Yes |
| Theft of the vehicle itself | No | Yes |
| Payment on the basis of a replacement value as new arrangement | No | Provided that |
| Tools and load in the load area | No | Provided that |
| Loss of value through a changed tax regime | No | No |
| Wear, mechanical failure and deferred maintenance | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What to check now
Two checks that stop a tax change costing you money after a claim.
Check whether the sum insured is still right
If purchase prices for a vehicle category rise, so does the amount you need to buy an equivalent vehicle back. A policy working with an out-of-date value pays too little in a total loss. For a vehicle with unusual bodywork, fitting-out or signwriting, a valuation report is worthwhile: under Article 7:960 of the Dutch Civil Code the value is thereby fixed for an agreed period and the insurer cannot rely on a lower value within that period.
Insurance does not cover tax consequences
An important misunderstanding: car insurance pays for damage to or with the vehicle, not for the consequences of changed legislation. Not covered are a fall in value through policy or tax changes, additional assessments and fines, and mechanical defects, wear and maintenance costs. Damage through intent or recklessness also remains excluded under Article 7:952 of the Dutch Civil Code. If you change the use of the van, report it; the duty of disclosure in Article 7:928 of the Dutch Civil Code also applies to changes in risk after the policy is taken out.
What does your premium depend on?
- Value of the vehicle — purchase price or market value
- Weight and payload — decisive on vans
- Use — private, business or professional carriage
- Annual mileage — more kilometres, more risk
- No-claims years — registered in Roy-data
- Type of cover and excess — third-party liability, third-party, fire and theft, or comprehensive
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Does my premium change because of the bpm change?
Not directly. Bpm is a purchase tax and is separate from the premium calculation. Indirectly something can change: a higher purchase value means a higher sum insured and therefore usually a higher own-damage premium. Rising replacement and repair costs also work through into rates in time. Have the sum insured checked when you buy a new vehicle.
Do I have to tell my insurer anything?
Only changes to the vehicle or the use. If you buy another vehicle, the registration number changes, the van goes from business to private use or a permanent second driver is added, you report that. A changed tax regime in itself does not have to be reported. It is, though, a good moment to review the sum insured and the type of cover.
What does this mean for a van on a commercial registration?
In tax terms a changed regime can increase the purchase cost. In insurance terms nothing changes about the obligation: third-party liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) as soon as the registration is in your name. What remains important is that the use declared matches practice. If the van is driven mainly privately while it is insured for business, that can lead to argument after a claim.
Can the fall in value of my car be insured?
No. No car insurance covers economic loss of value through market movements, policy or tax changes. What an own-damage policy can do is secure the value after damage or theft more effectively, for instance through a replacement value as new or purchase value arrangement in the first years, or through a valuation report on an unusual vehicle. That is a question of cover, not of tax.
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Is the sum insured on your van still right?
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About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.