Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
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.
- 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
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
- 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
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.
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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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 + 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.
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.
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 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.
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.
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.
Frequently asked questions
This is what people ask us most.
What is a grey registration?
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.
Every situation is different. For these situations we have a separate page.
- Compare van insuranceThe main page
- Insuring an electric van & comparing premiums
- Business vehicle insurance and premium comparison
- Compare lease car insurance & save straight away
- Private lease insurance & sensible top-ups
- Changes in car insurancePremium, conditions, driving electric
- Compare imported car insurance & save straight away
- Compare youngtimer insurance & take out cover at a good price
Read more
Within Bestelautoverzekering
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.