Third-party liability
- Compulsory from registration onwards
- A Trailer while coupled
- Also for Private use
Insuring a van with a commercial registration
A commercial registration is a tax classification used by the Belastingdienst. Your insurer does not know that term and looks at something else: who drives, and what for.
- several Insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
- Independent advice
- Several Insurers
- Switching arranged
- Help with claims
In brief
The concept of a commercial registration concerns vehicle tax and VAT, and the requirements the tax authorities set for the fitting-out of the load space: no seats in the back, a fixed bulkhead, a minimum load space length. An insurer does not apply those criteria. What counts for the policy is the vehicle type according to the registration and the form of use declared. Those two can drift apart without your noticing, and that is precisely where things go wrong when there is a claim.
The most sensitive point is Private use. For tax purposes you can choose to use the van only for business and keep a mileage record. In Insurance terms you must declare whether it is also driven privately, because that changes the risk: different times of day, different drivers, different places. If you do not declare it, that affects the duty of disclosure under Article 7:928 of the Dutch Civil Code, with the consequences of Article 7:930 of the Dutch Civil Code when there is a claim.
If you convert the van, for example by fitting windows or putting a bench seat in the back, not only your tax position changes but also the insured Object. You must report this. The same applies to removing the bulkhead: that changes the vehicle type and with it the basis of the policy. See also the business van Insurance.
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Van with a commercial registration: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, break-in damage, fire, storm and glass.
- Break-in damage to locks
- Theft of the vehicle
- Glass and stone chips
Contents and fit-out
Tools, materials and the fit-out in the load space.
- Own goods in transit Insurance
- Racking and load floor
- Roof rack and towbar
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Collision with another vehicle | Yes | Yes | Yes |
| Break-in damage to doors and locks | No | Yes | Yes |
| Tools stolen from the load space | No | No | No |
| Damage you cause yourself while reversing | No | No | Yes |
| Racking system and load floor | No | Sometimes | Sometimes |
| Damage to third-party goods during loading and unloading | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits 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. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Type of use declared. Business only or Private use as well. This steers the rate and your position on cover when there is a claim.
- Regular driver. Age and claims history of the person who drives the vehicle most.
- Circle of drivers. One regular driver or an open circle with several users and younger drivers.
- Modifications to the vehicle. Conversions, windows, extra seats, a towbar or roof carrier change the Object and its value.
- Annual mileage. A service van that spends a lot of time on the road has a higher claims frequency than occasional use.
- Postcode where the vehicle is kept. Where the van is parked overnight is taken into account for the break-in and theft risk.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral Insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why 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 centers.
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.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Two regimes, two records
For the Business benefit, the tax authorities require a complete mileage record or a declaration of exclusively Business use. The insurer asks for the form of use on the application form. Those two declarations must agree with each other. Anyone who declares for tax purposes that he never drives privately but turns out to be on a holiday route at the weekend when a claim occurs has a problem on both sides: an additional tax assessment from the Belastingdienst and an argument about cover with the insurer.
A conversion changes the insured Object
Windows in the side panel, a second row of seats, removal of the bulkhead or a camper conversion: these are alterations that touch on the vehicle type and that you must report in advance. An unreported conversion can lead to a reduced payout in the event of a claim, because the insurer accepted the risk on different information. Also report a towbar, roof rack or roof carrier, because these increase the value and are not included in the list price on the registration.
Who is the regular driver?
With a van registered to a sole trader or partnership, more than one person often drives. Insurers ask about the regular driver and about the ages within the circle of drivers. If a younger member of staff or a family member regularly drives without this being reported, that is a ground for reducing a claim. If the drivers really do change constantly, choose a policy with an unlimited circle of drivers and accept the rate that goes with it.
What is not covered
Three exclusions come up again and again. Carrying passengers for payment, including where you give colleagues a lift and ask for a contribution towards it. Tools and materials in the load space, which fall under no motor policy at all and call for a transport of your own goodscover. And damage in the Case of a conversion that has not been reported. Fines, additional tax assessments and the loss of the tax benefit are also never insurable.
Tools fall outside every car policy
What is in the load compartment is not part of the vehicle. Own-damage cover does not pay for its theft, not even under comprehensive cover. That calls for separate goods-in-transit Insurance, with conditions attached: usually a locked garage, or emptying the van outside working hours.
Declare the fit-out with its value
A racking system, load floor, roof rack, tow bar or refrigeration unit raises the value but is not included in the list price. Without a declaration, only the bare vehicle is paid out in the event of a total loss, while the fit-out easily represents several thousand euros.
Frequently asked questions
This is what people ask us most.
Is there a separate Insurance for a commercial registration?
No. A commercial registration is a tax classification for vehicle tax and VAT, not an Insurance product. You simply take out van Insurance with third-party liability and, if you wish, third-party fire and theft or comprehensive cover. What counts for the policy is the vehicle type on the registration and the use you declare. The tax status has no bearing on that, except where it relates to private use.
Do I have to report private use if I drive only for Business for tax purposes?
Yes, because the insurer assesses the risk and not your tax position. If the van is occasionally driven privately, declare it. If you do not and this comes to light after a claim, it is a breach of the duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer may reduce or refuse the payout under Article 7:930 DCC.
I want to fit windows and a bench seat in the back. What now?
Report it to your insurer in advance. The alteration changes the vehicle type and with it the insured object. Some insurers then convert the policy to a car rate. For tax purposes you will probably lose the Business benefit and an additional assessment may follow. The two consequences stand apart, but not reporting it to the insurer is the more expensive of the two.
Are my tools in the load space covered?
No, in no variant, not even with comprehensive cover. What is in the load space is not part of the vehicle. In a break-in, own-damage cover does pay for the damage to doors and locks, but not for the stolen contents. For that you take out cover for carrying your own goods, usually with the requirement that the van is emptied outside working hours or parked locked away.
Every situation is different. For these situations we have a separate page.
- Compare van InsuranceThe main page
- Insuring a Business vanIn the company name, several drivers, Fleet
- Insuring a van for a Self-employed professionalOne vehicle, private and Business, tools
- Insuring a van for a courier serviceMany stops, changing drivers, load
- Insuring an electric vanBattery pack, charging cable, NEN 9140
- Insuring a van FleetFrom three Vehicles, claims burden, changes
- Car Insurance for the Citroën BerlingoCommercial registration, load and fitting out, staff
- Insuring a van for Business useUse, load, drivers
- Changes in Car insurancePremium, conditions, driving electric
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life Insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.