Business van insurance
A van in a company name is assessed differently from a private one. The use is more intensive, more drivers use it, and there is almost always value in the load space.
- 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.
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
With a business van, insurers look at the use: construction, installation, delivery or carriage for third parties each have their own risk profile. An incorrect declaration leads to a reduction in the payout when there is a claim.
The fit-out (shelving, racking, signwriting) and the contents are not insured on the own-damage policy. You insure those with business contents or own-account carriage insurance.
This page deals with one part. The overview of all parts is on the main page on business insurance.
Independent, personal, sorted quickly
We compare your van insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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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.
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.
What to look out for
Changing drivers
If several members of staff drive it, report it. Young drivers weigh heavily on the premium and on acceptance.
Delivery is a separate risk
Many stops, brief parking and time pressure lead to more claims. Without a declaration, a payout can be refused.
Declare the fit-out with its value
Shelving, racking and lettering soon represent thousands of euros and fall outside the cover as standard, or up to a low maximum.
From a few vans onwards: a fleet
If you have more than a handful of vehicles, a fleet policy is better value and easier to manage.
What determines the premium
- List price and payload
- Use: construction, installation or delivery
- Number and age of the drivers
- Annual mileage and storage
- Cover and excess chosen
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
Frequently asked questions
What is the difference from private van insurance?
The use and the circle of drivers. Business use is more intensive and several members of staff drive the vehicle more often, which determines the premium and acceptance.
Are my tools covered as well?
No. For that you need own-account carriage insurance, with requirements as to where the vehicle is parked overnight.
May I use the van for deliveries?
Only if you have declared it. Delivery counts as a separate risk with its own rate.
From when is a fleet policy more convenient?
From about three to five vehicles, mainly because of the administration and registering new vehicles.
Every situation is different. For these situations we have a separate page.
- Compare van insuranceThe main page
- Courier insuranceMany stops, parcels, liability for consignments
- Compare fleet insuranceFrom three vehicles, your own claims burden, changes
- Insuring a business vanIn the company name, several drivers, fleet
- Insuring a van for a courier serviceMany stops, changing drivers, load
- Insuring a van for business useUse, load, drivers
- Insuring a car without no-claims yearsStarting position, building up, alternatives
- Insuring a second carNo-claims years, second-car arrangement, regular driver
- Car insurance for young driversStarting position, regular driver, excess