Your Van Well Insured
A van insurance is legally required according to the Motor Vehicle Liability Insurance Act (WAM). Whether you have a Self-employed, SME entrepreneur or private - your van must be at least third party insured.
Vans with a Gray license plate (starting with B or V) are often used for business purposes by entrepreneurs. This offers tax benefits such as BPM exemption and VAT settlement. Private use is also possible with the right insurance.
The premium for van insurance is on average between: €30 and €100 per month, depending on coverage, use and claim-free years. Comparing pays off – the differences between insurers are big!
Which Coverage Suits You?
Choose from three levels of cover for your van:
WA
From €30/month
- ✓ Harm to others
- ✗ Theft of own bus
- ✗ Fire your own bus
- ✗ Window damage
- ✗ Own fault damage
WA + Limited Casco
From €40-€70/month
- ✓ Harm to others
- ✓ Theft of own bus
- ✓ Fire & storm
- ✓ Window damage
- ✗ Own fault damage
WA + Full Casco
From €60-€100/month
- ✓ Harm to others
- ✓ Theft of own bus
- ✓ Fire & storm
- ✓ Window damage
- ✓ Own fault damage
What Type of Insurance?
Use determines which insurance you need:
Business Van Insurance
For entrepreneurs who use their van for business purposes.
- ✓ Gray license plate (B/V)
- ✓ VAT settlement possible
- ✓ Business + private use
- ✓ Insure the cargo
- ✓ Self-employed & SME friendly
- ✓ Multiple drivers
Private Van Insurance
For private use of your van (100% non-business).
- ✓ Private use only
- ✓ Often lower premium
- ✓ No VAT settlement
- ✓ Hobby, sport, pet
- ✓ Moving, camping
- ✗ Business use excluded
🔖 Gray License Plate: What Is It?
A Gray license plate is the name for vans that are used for business purposes. The license plate is normal yellow – the term dates from the time when registration papers were gray. You can recognize a gray license plate by the letters B or V at the beginning.
With a gray license plate you benefit from tax benefits such as: BPM exemption and VAT settlement. This saves thousands of euros when purchasing. But you must meet the conditions:
📦 Insure Cargo & Tools
NB: your tools, materials and goods are in the loading space not automatically included in the van insurance. You need additional insurance for this.
Immediately Own Transport Insurance or cargo insurance covers your belongings against theft, fire and damage – even when the bus is parked.
💰 Premium indication 2025
Average monthly premium for van insurance:
| Coverage | commercial | private |
|---|---|---|
| WA (legally required) | €35-€55 | €30-€50 |
| WA + Limited Casco | €45-€75 | €40-€70 |
| WA + Full Casco (Allrisk) | €70-€120 | €60-€100 |
| + Own transport (cargo) | €10-€30 | n/a |
| + Occupants | €5-€15 | €5-€15 |
👷 Popular Professions With Van
📊 Van Facts Netherlands
⚠️ Important: Usage & Insurance
Do you use a privately insured van still for business? Then you are at great risk! Business activities are often excluded from coverage. The insurer will not pay out in the event of damage. Always be honest about usage. The other way around: business insurance is also covered for private kilometers.
➕ Additional Coverages
📦 Own Transport Insurance
Covers tools and goods in the cargo area against theft and damage.
👥 Passenger insurance
Medical costs of driver and passengers in the event of an accident.
⚖️ Legal Aid Traffic
Legal assistance in traffic conflicts and damage claims.
🔧 Roadside assistance
24/7 breakdown assistance in the Netherlands or throughout Europe.
🔑 No-Claim Protector
Keep your discount if you make one claim per year.
💰 Purchase value scheme
In the event of a total loss: purchase value instead of current value will be reimbursed.
🔧 Which Coverage to Choose?
- → New van (0-3 years): All risk with purchase value scheme
- → Secondhand (3-8 years): WA+ (limited airframe) is often the best choice
- → Older bus (8+ years): WA is usually sufficient, current value is low
- → Valuable tools: Own transport insurance essential
- → Many kilometers: Roadside assistance is sensible
- → Multiple drivers: Check co-driver coverage
Insurers for Vans 2025
Specialized insurers for vans:
💡 Tips for Van Owners
- ✓ Compare annually: Premiums vary enormously between insurers
- ✓ To give honestly: Specify correct use (business/private)
- ✓ Claim-free years: Build and maintain them – major impact on premium
- ✓ Charge separately: Insure tools with your own transport insurance
- ✓ Deductible: Higher deductible = lower premium, make the decision
- ✓ Secure well: Alarm system can reduce premium
📍 Popular Van Brands
- → Volkswagand: Transporter, Caddy, Crafter
- → Mercedes Benz: Sprinter, Vito, Citan
- → Ford: Transit, Transit Custom, Transit Connect
- → Randault: Master, Traffic, Kangoo
- → Peugeot: Boxer, Expert, Partner
- → Lemon: Jumper, Jumpy, Berlingo
- → Fiat: Ducato, Talandto, Doblò
- → Opel: Movano, Vivaro, Combo
