Business van insurance through Allianz
A van is rarely registered to one person and rarely drives one route. The conversation is therefore about who drives it, what the van is used for and which type of cover fits that use.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Finass can place your van with Allianz. We do not work for a single insurer: we compare several insurers objectively, and the policy you end up with follows from how the vehicle is used, not from the name on the policy schedule. Third-party liability cover is not optional; Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires you to hold it for as long as the registration is not suspended. The general structure is set out on the van insurance; if you run several vans, look at the fleet insurance.
The first thing we check is the group of drivers. With a business vehicle it is usually not one person who is insured, but anyone driving with the permission of the policyholder. The policy conditions may set limits: a minimum age, a minimum number of years of driving licence, or the requirement that the driver is an employee. If you let an agency worker, an intern or a hired self-employed professional drive, check beforehand whether that person falls within the description.
The second is the business activity: what the van is used for. A policy for carrying your own goods does not cover carriage for payment on behalf of third parties, hire, or driving lessons. If you start doing courier runs, that calls for a different description and usually a different product; see the van insurance for couriers. If the use changes, report it: Article 7:928 of the Dutch Civil Code requires full disclosure and Article 7:930 of the Dutch Civil Code governs what happens if that disclosure is incorrect.
This page deals with one situation. The full overview is on Compare van insurance.
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four elements that, with a business van, make the difference between a claim being paid and being refused.
Who is allowed behind the wheel
The description of the insured driver matters more with commercial vehicles than with a private car, simply because more people drive them. If the policy conditions set an age or experience limit and someone drives who does not meet it, liability towards the victim still stands in law, but the insurer may refuse your own damage and recover its outlay from you.
The business activity on the policy schedule
Excluded unless separately agreed are carriage for payment on behalf of third parties, letting of the vehicle and use for driving lessons or competitions. Occasional jobs on the side using the van fall under this as well. What counts is not what your Chamber of Commerce extract says, but what the vehicle is actually doing at the moment of the loss.
Fitted equipment, signwriting and security
Own-damage cover is based on the factory specification. Racking systems, an inverter, a roof rack, a tail lift and company signwriting only count if they have been declared together with their cost. If the policy carries a security or overnight parking clause, that is a condition and not a recommendation: if it is not met, the payout for theft may lapse.
What the motor policy does not arrange
Outside the cover are the load and the tools in the van, the turnover you lose while the vehicle is off the road, and injury to your own driver if he caused the accident himself. For the latter there is a separate employer's cover for road use. You can read about the difference between the variants under WEGAS and WEGAM.
What does your premium depend on?
- Weight and payload: a heavy van is rated differently from a compact one
- Number of vehicles: from a certain number of vans, a fleet arrangement comes into view
- Circle of drivers: young or changing drivers increase the risk
- Annual mileage and area of operation: a lot of city driving produces more small claims
- Storage and security: an enclosed site weighs differently from the public road
- Type of cover and excess: third-party, third-party fire and theft or comprehensive cover, and the amount you bear yourself
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| The passenger throws the door open and a cyclist falls | Yes | Yes |
| You drive the tail lift into a canopy that is too low | No | Yes |
| The van burns out on the company site | No | Yes |
| The racking system and the inverter you had fitted are destroyed in a collision | No | Provided that |
| Tools taken from the load space during a break-in | No | No |
| A customer's load shifts during an emergency stop and is damaged | No | No |
The policy follows the vehicle: what is in it and what you carry is insured under a tools or goods-in-transit cover.
Frequently asked questions
This is what people ask us most.
Is an agency worker insured as a driver?
That depends on the description in the policy conditions. Some policies insure anyone driving with the permission of the policyholder, others limit this to people on the payroll or to drivers above a certain age. Check this before you hand over the keys and record for each vehicle who is allowed to drive it.
May I occasionally do a run for another company with the van?
Not unless it is stated on the policy. Carriage for payment on behalf of third parties is a different business activity from carrying your own goods and is excluded as standard. If something happens during such a run, the actual use is what counts. If you want to drive for others on a regular basis, have the business activity amended or take out a suitable courier policy.
We also drive in Germany and Belgium. Is that covered?
The territorial limits are stated on the green card. Within the countries listed there, third-party liability cover continues to apply. For own-damage cover, additional conditions may apply, for example around overnight parking and theft. If you regularly drive across the border, report this when you apply, together with the share of foreign mileage.
Our van is off the road after a loss. Does the policy cover the turnover we miss?
No. A motor policy covers damage to the vehicle and to third parties, not the trading profit you lose. A replacement vehicle is a separate module with its own time limit at many insurers. Without that module you arrange a hire van yourself. If you want to cover the loss of turnover, look at business interruption insurance.
Every situation is different. For these situations we have a separate page.
- Compare van insuranceThe main page
- Insuring a self-employed professional's van, by makeMake and specification, conversions, choice of own-damage cover
- Insuring a van or company vehicle as a self-employed professionalThird-party liability obligation, own-damage cover, tools
- Insuring a van for business useUse, load, drivers