Grey registration · compared independently · advice from Finass
Insuring a van on a grey registration & comparing premiums
Insure your van on a grey registration (grijs kenteken) — with the right tax set-up, for business use as a business owner, and with tools and contents insured as well. We compare more than 30 Dutch insurers. Independent advice from Finass Verzekert — AFM-registered and affiliated to Kifid.
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 situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A van on a grey registration is intended for carrying goods and has its own premium basis and tax treatment. For a business owner that is often more favourable than a yellow registration: lower vehicle tax, deductible VAT and sometimes a lower premium. Third-party liability cover is required by law.
Conditions apply before you may drive on a grey registration (you are normally a business owner and use the van for business). At Finass Verzekert we look at the right set-up with you, compare several insurers and make sure tools and contents are insured as well.
Note the business owner condition, the business use, the tax consequences (VAT and benefit in kind) and insuring tools and contents as well. We advise you independently and arrange everything for you.
What does insuring a van on a grey registration cover, and what about the premium?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
The basic cover required by law. Suitable for an older van on a grey registration with a lower market value.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including damage you cause yourself, preferably on replacement value as new. Advisable for a new van on a grey registration.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Grijs
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We decide whether a grey registration is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Business contents & tools
Contents & tools Cover for tools, materials and contents in the load space against damage and theft.
Agency workers, interns & volunteers, traffic
Agency workers, trainees & volunteers traffic Legal assistance with traffic damage, disputes and conflicts involving your van.
Breakdown assistance in the Netherlands & Europe
Breakdown assistance NL & Europe 24/7 help with breakdowns on the road, with towing, roadside repair and a replacement vehicle.
Passenger accident insurance (SVI)
Passenger accident insurance (SVI) Pays for injury and material damage to the driver and passengers, regardless of who is at fault.
What does your premium depend on?
Sum insured: the main basis for calculation
Cover and modules chosen
Risk profile and sector
Excess chosen
Claims history
Working area
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.
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.
A grey registration is intended for vans used to carry goods, usually by business owners. It has its own premium basis and tax treatment, often more favourable than a yellow registration.
Which conditions apply to a grey registration?
As a rule you must be a business owner and use the van for business. The exact tax conditions are set by the Belastingdienst (the Dutch tax authority). We make sure the insurance matches your situation.
Is a van on a grey registration cheaper to insure?
Often it is with business use: alongside the tax advantages (lower road tax, deductible VAT) the premium is sometimes lower. By comparing, you find the keenest premium.
May I also drive privately on a grey registration?
Private use of a van on a grey registration has tax consequences (benefit in kind). We look at the right set-up with you and insure the van to match the way you use it.
How do VAT and benefit in kind work?
With business use you can often reclaim the VAT; private use can give rise to a benefit in kind. Your accountant advises on the tax side, we make sure the policy is set up correctly.
Which cover should I choose for my van on a grey registration?
For an older van, third-party liability or third-party, fire and theft may be enough. For a newer van, or one used intensively for business, comprehensive cover is sensible. Calculate your premium using the tool.
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.
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