Package structure · trailer · electric driving
Business van insurance through Avéro Achmea
A van is rarely the only item on the policy. If the vehicle runs within a business package, the question with every claim is which part of that package has to respond.
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Deze pagina in het Nederlands: Zakelijke bestelautoverzekering via Avéro Achmea.
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 for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- 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.
In brief
Finass can place your commercial vehicles with Avéro Achmea, but we are not tied to that insurer. We compare several insurers objectively and let the choice follow from what cover you need. For the van, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM). The general explanation is on the van insuranceapplies; for company cars, see the business car insurance.
Within a package, a single event often splits across several policies. If you run into the back of a queue, the damage to the other party goes to the vehicle's liability cover, the damage to your van to own-damage cover, the damaged materials in the load space to the goods or tools cover, and the days you are off the road to nothing at all, unless you have arranged business interruption insurance. Know in advance which policy carries which part; that saves a lot of time when you report the claim.
If you regularly tow a trailer or semi-trailer, have it insured separately. The liability cover of the towing vehicle continues to apply as long as the trailer is coupled, but damage to the trailer itself needs its own cover; see the trailer insurance. If you carry materials between your own sites, that belongs on the own goods in transit insurance.
This page deals with one situation. The full overview is on Compare van insurance.
What to look out for
Four elements that regularly fall between two stools in a package with commercial vehicles.
A commercial registration and the use you declare
A commercial registration goes with a vehicle fitted out to carry goods for your own business. If you convert the load space, fit an extra row of seats or use the van mainly privately, the situation on which the policy is based changes. Report it: Article 7:928 of the Dutch Civil Code obliges you to make full disclosure and Article 7:930 of the Dutch Civil Code determines what non-disclosure means for the payout.
The trailer as a separate object
An uncoupled trailer that rolls away and hits a parked car is the classic case in which the towing vehicle's cover no longer works. Damage you cause to someone else in this way is assessed under Article 6:162 of the Dutch Civil Code. Insure trailers and towed units in their own right and check that the weight falls within your drivers' licence category.
The electric van
With an electric van three further questions arise: is the battery owned or hired, is the charging cable covered against theft, and where does a fire during charging fall. A charging point on your own site is not part of the vehicle but of your buildings or business contents cover. The details are set out under the electric van insurance.
What stays outside the vehicle policy
Not covered are the load and the tools in the van, the loss of turnover during downtime, and undeclared fitted equipment or signwriting. Fines and administrative penalties also stay outside every policy. If you injure a third party with a forklift truck while loading or unloading, that is plant and machinery and not motor damage.
What does your premium depend on?
- Type and weight of the van: payload and dimensions determine the base premium
- Fuel or electric: battery capacity and repair costs are taken into account
- Number of vehicles in the package: several objects are often rated in combination
- Use of a trailer: towing increases the chance of damage to third parties
- Annual mileage: more journeys means statistically more claims
- Type of cover and excess: the balance between premium and what you pay yourself
Insurers weigh these details differently. That is where your saving is.
What is covered on the van
| Situation | Extended | Comprehensive |
|---|---|---|
| Your driver wedges the van under a viaduct with too low a clearance | No | Yes |
| Hail dents the roof while the van is parked outside the business premises | Yes | Yes |
| The sliding door and the lock are wrecked in an attempted break-in | Yes | Yes |
| The van drops into a hole in a construction road and the floor pan tears | No | Yes |
| The tail lift fails because the hydraulic system is worn out | No | No |
| Damage during a journey for which the driver did not hold the right licence category | No | No |
Every claim is assessed policy by policy within the package, even where it concerns one event.
Frequently asked questions
This is what people ask us most.
Does the battery of an electric van fall under own-damage cover?
If the battery is your property and part of the vehicle, it generally falls under own-damage cover. If you hire or lease the battery separately, a separate arrangement often applies and sometimes the care, custody and control exclusion, because it concerns someone else's property in your keeping. Ask about this explicitly and have the arrangement recorded on the policy schedule.
I also use the van privately. Is that allowed?
In insurance terms it is possible, provided you declare it, because it changes who drives and when. For tax purposes and for the commercial registration, separate requirements apply that stand apart from your policy. If your partner or a family member drives too, check whether that person falls within the described circle of drivers.
My trailer rolls away and damages a car.
If the trailer had been uncoupled and had come to a standstill, your van's cover offers no help. You are then liable yourself for the damage to that car. A separate trailer insurance or your company's liability cover can absorb this; check which of the two has to respond in your situation.
What is the benefit of putting everything in one package?
Above all a clear overview: one start date, one point of contact and usually a package discount that varies by insurer. What it does not do is merge covers. Every policy in the package has its own conditions, exclusions and excesses. So when it is put together, have it checked that no risk falls between two parts.
Read more
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