Business Van Insurance: Complete Coverage for Your Commercial Vehicle

As an entrepreneur, you use your van every day to carry out your business activities. It is therefore essential that your van is properly insured against damage, theft or accidents. With a business van insurance from Finass you are optimally protected and you can hit the road without any worries.

Business van insurance provides cover for vans used for business purposes. Whether you transport goods, visit customers or use your van for business courier services, good insurance protects you against the financial consequences of damage to your van or claims from third parties. Just like with private car insurance, you can choose from different coverage options, such as third party liability, limited comprehensive insurance and full comprehensive insurance.

Business van insurance is essential for every entrepreneur who uses his van for business purposes. This applies, among other things, to:

• Self-employed people and freelancers who use their van for business trips.
• Couriers and transport companies that deliver goods or packages.
• Construction companies and contractors that transport materials and tools.
• Catering companies that use a van for deliveries.
• SME companies with a company fleet.

Whether you have one van or an entire fleet, at Finass we offer tailor-made insurance that suits your business activities.

At Finass you can choose from different coverage options for your business van:

1. Third party liability insurance (Third party liability)
   This is the minimum insurance that is mandatory for every company car. Third party liability insurance covers the damage you cause to others with your van. This coverage is legally required in the Netherlands.

2. Limited comprehensive cover
   In addition to third party liability cover, limited comprehensive cover offers cover for damage to your own van due to, for example, theft, fire, storm or window damage. This cover is suitable for vans with a higher value or new commercial vehicles.

3. Full hull (Allrisk)
   Full hull offers the most extensive coverage. In addition to third party liability and limited comprehensive coverage, you are insured for damage to your own van, even if the damage is your own fault, for example due to a collision or an accident.

4. Additional coverage
   You can expand your business van insurance with additional coverage, such as:

   • Passenger damage insurance : Reimburses damage to people sitting in the van, both the driver and passengers.
   • Legal expenses insurance : Legal assistance in the event of conflicts surrounding damage or liability.
   • Breakdown assistance : Insures you against breakdowns on the road, both in the Netherlands and abroad.
   • Goods and tools insurance : Coverage for damage to or theft of materials and tools transported in the van.

Business van insurance offers you the certainty that you are financially protected against the consequences of damage, theft or accidents during your business trips. The benefits of business van insurance are:

• Coverage for business kilometers : Unlike private insurance, with business insurance you are also insured for business trips.
• Protecting your business operations : Damage to your van can lead to high costs and business interruption. With the right insurance you can prevent unexpected financial problems.
• Flexibility : You can tailor the insurance to your specific needs and business activities, with additional coverage for passengers, tools and legal support.

The premium for commercial van insurance depends on various factors, such as:

• The type and value of the van : A newer or more expensive van will usually have a higher premium.
• The use of the van : The more intensively the car is used for business purposes, for example for courier services, the higher the risk and the premium.
• The insurance history : If you have accrued claim-free years, you can benefit from a lower premium through a no-claim discount.
• Additional coverage : Additional options such as roadside assistance or tool insurance can increase the premium, but offer extra security.

At Finass we compare several insurers to offer you the best coverage at a competitive premium.

At Finass we understand that every entrepreneur has different needs. That's why we offer:

• Customized insurance : Your business van insurance is fully tailored to your business activities.
• Competitive premiums : We compare several insurers to offer you the best value for money.
• Personal advice : You will have a fixed point of contact for all your questions and tailor-made advice.

1. What is the difference between business and private van insurance?
Private insurance only covers private use. For business trips, such as deliveries or customer visits, you need business van insurance.

2. Is damage to cargo or tools in my van covered?
Damage to cargo or tools is not covered as standard, but you can take out additional goods or tools insurance for this.

3. Can I transfer my no-claim discount to business van insurance?
Yes, in many cases you can transfer your accrued claim-free years to a business insurance policy, which can provide an attractive premium discount.

Are you looking for business van insurance that fits your business activities? Request a no-obligation quote immediately from Finass Insurance. We are happy to help you optimally insure your company car, so that you can hit the road without any worries.