What is Business Camper Van Insurance?
A commercial camper insurance is specially intended for entrepreneurs who have their camper registered in the name of the company, but this one private for recreational purposes to use. Think of holidays, weekends away and tours.
Whether you have a BV, VOF, sole proprietorship or partnership has: you can put your camper on the business and take out affordable private insurance. The insurance is specifically intended for: non-commercial use – so no rental or camper as a main business activity.
Why do entrepreneurs choose this? Tax benefits such as VAT deduction on purchase and maintenance, It quarter rate road tax, and the ability to write off business costs. You can take out the insurance yourself excluding VAT to block.
Please note: Recreational Use Only
This insurance is suitable for non-commercial use. Rental of the camper or use as a main business activity falls here not under. Separate rental coverage is required for this.
For Which Entrepreneurs?
BV (Private Company)
Camper in the name of your BV. Ideal for directors who want to drive tax-efficiently with private use.
VOF (Partnership Under Firm)
Joint business with partners. Camper in the name of VOF, private use by partners.
Sole proprietorship / self-employed
Self-employed entrepreneur with Chamber of Commerce. Buy a camper for business purposes, use it privately for holidays.
Partnership
Collaboration of professionals. Camper in the name of a partnership for recreational use.
Holding / Pension BV
Camper in holding company or pension BV. Fiscally interesting construction for entrepreneurs.
Foundation / Association
Non-profit organization with camper for recreational purposes of board or members.
💰 Tax Benefits for Entrepreneurs
Why register a camper in the name of your company?
- ✓ Purchase VAT deduction: Reclaim VAT on a new camper from the dealer (not for a margin car)
- ✓ VAT deduction maintenance: VAT on maintenance, repairs and fuel is partially deductible
- ✓ Quarterly rate MRB: Only 25% of normal road tax (RDW registered as a camper)
- ✓ Depreciation: Spreading costs over the lifespan reduces taxable profit
- ✓ KIA (Small-scale investment deduction): Additional deduction for investments between €2,801-€387,580
- ✓ No BPM: No BPM is due if the license plate is gray
Please note: Additional charges apply for private use. Consult with your accountant for your specific situation.
Which Coverage Suits You?
WA (Mandatory)
Legally required basic coverage
- ✓ Damage to third parties
- ✓ Personal injury to others
- ✓ Material damage to others
- ✓ Accident assistance as standard
- ✗ Own camper not covered
WA + Limited Casco
Extended protection
- ✓ Everything from WA
- ✓ Fire & explosion
- ✓ Theft & burglary
- ✓ Storm & hail
- ✗ Own debt not covered
WA + Full Casco
AllRisk protection
- ✓ Everything from Limited Casco
- ✓ Collision damage
- ✓ Own debt covered
- ✓ Vandalism
- ✓ New value guarantee option
📊 Business vs. Private Insurance
| Feature | Business (Recreational) | Private |
|---|---|---|
| In company name (BV/VOF) | ✓ Possible | ✗ Not possible |
| Excl. VAT insurance | ✓ Yes | ✗ No |
| Private recreational use | ✓ Covered | ✓ Covered |
| Up to 80% no-claim discount | ✓ Yes | ✓ Yes |
| New value guarantee | ✓ 5-7 years | ✓ 5-7 years |
| Rental allowed | ✗ No* | ✗ No* |
| Commercial use | ✗ Not covered | ✗ Not covered |
* Rental requires separate rental coverage with higher premium and deductible
💼 Excluding VAT Insurance
As an entrepreneur you can take out camper insurance excluding VAT to block:
- 📋 Catalog value excl. VAT: Enter the value excluding VAT when requesting
- 🔧 Damage payment: In case of hull damage you will receive compensation excluding VAT
- 💰 Reclaim VAT: You can reclaim the VAT separately from the tax authorities
- ✓ Condition: You must be a VAT entrepreneur with a VAT number
💰 Premium indication Business Camper
| Coverage | Indication Per Year |
|---|---|
| WA (Third Party Liability) | From €700 |
| WA + Limited Casco | From €1,400 |
| WA + Full Casco (AllRisk) | From €2,400 |
| + Contents €3,000 | + €50-€100 |
| + Legal assistance | + €30-€60 |
| + Roadside assistance abroad | + €40-€80 |
* Indicative. Depending on value, year of construction, claim-free years and company form. Excluding insurance tax.
➕ Additional Coverages
- 🛏️ Contents: €1,500-€6,000 coverage for items in the camper
- 🏕️ Awning: Up to €2,500 free co-insured with (limited) hull
- 👥 Passenger insurance: Damage to driver and passengers in the event of an accident
- ⚖️ Legal assistance: Legal assistance after an accident or conflict
- 🚗 Roadside assistance: Assistance at home and abroad in the event of a breakdown
- 🔒 No Claim Guarantee: Protect your discount against relapse
⚠️ Not Covered / Exclusions
- ✗ Rental: Rental to third parties not covered (separate rental coverage required)
- ✗ Commercial use: Camper as main business activity
- ✗ Contract work: Business transport of goods or persons against payment
- ✗ Abroad >180 days: Max 6 consecutive months outside the Netherlands
- ✗ Without security: Theft without approved security
- ✗ Wear: Normal wear and maintenance
🏆 Up to 80% No-Claim discount
As an entrepreneur you also benefit from a no-claim discount:
- ✓ Mirror discount: Take over claim-free years from your car
- ✓ Business car: SV years of business cars also count
- ✓ Lease car: Written statement from leasing company acceptable
- ✓ Bonus program: Some insurers offer up to 80% starting discount
- 🛡️ No Claim Guarantee: Protect your discount in the event of damage
💡 Tips for Entrepreneurs
- ✓ Consultation with accountant: Discuss tax consequences (addition, VAT, depreciation)
- ✓ Mileage registration: Keep track of business and private mileage
- ✓ Excl. VAT insurance: Enter the catalog value excluding VAT as a VAT entrepreneur
- ✓ To use mirror discount: Take over SV years of (lease) car
- ✓ Valuation for an older camper: Have valuable campers appraised
- ✓ Security: Good security can provide premium discounts
Insurers With Business Option
These insurers accept campers in company name for recreational use:
