Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Volkswagen Crafter insurance
On the Crafter the claims burden turns mainly on break-ins and theft: the lock, the sliding door and everything that is in the back.
- 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 is rarely stolen for the van. It is broken open for what is inside. On the Crafter that means damage in two layers: the wrecked sliding door, lock and pillar, and the loss of the contents. The first layer falls under your own-damage cover. The second falls under no car policy at all.
Tools, stock and materials belong on a own goods in transit insurance or on tool cover within your business package. That usually comes with a night clause: outside working hours the van has to be empty or standing on a closed site. Anyone who does not comply with that condition has paid for the cover but not obtained it.
For the passenger car models of the same make, we refer you to Volkswagen car insurance; the difference between the types of cover is set out on comprehensive cover.
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What does Volkswagen Crafter insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | 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?
- Storage location. In the street, on a driveway or on a closed business site each produces a different theft risk.
- Security level. Additional locks, deadlocks and an approved alarm system are taken into account and sometimes required.
- Postcode where the van is based. The break-in and theft picture differs widely from area to area and feeds through into the rate.
- Claims history. Earlier break-ins at the same address weigh heavily in the acceptance of own-damage cover.
- Value and equipment of the van. The version, year of manufacture and accessories declared together determine the amount at stake in the event of theft.
- Cover and excess chosen. For theft and break-in damage, at least third-party, fire and theft is needed. The excess applies per event.
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.
The contents are not on the car policy
What is in the load space is not part of the vehicle and therefore falls neither under own-damage cover nor under your business contents insurance, which only works at the business address. There is a separate goods-in-transit policy for that. When taking out the policy, declare realistically what travels with you, including measuring equipment and cordless tools; insuring for too little leads to underinsurance and therefore to a proportionate payment.
The night clause is a hard condition
Virtually every tool cover sets requirements for the night: empty the van, or keep it in a locked garage or on a fenced site. That is not advice but a condition of cover. If the loaded van stands in the street and is broken open, there is no cover, not even where there are visible signs of forced entry. Record where the van stands at night and keep to it.
Break-in damage to the van itself
A forced sliding door, a wrecked lock barrel or a drilled-out lock is damage to the vehicle and falls under third-party, fire and theft or comprehensive cover, not under third-party liability. Your excess applies per event, and with repeated break-ins that mounts up. Insurers then look at the security: additional locks, an approved alarm system and where the van is kept all count in acceptance and premium.
What is excluded
Not covered are: tools, stock and cargo; theft of loose accessories and navigation equipment that have not been declared; damage because the van was left unlocked or with the key in it; and wear or mechanical defects. If you do not meet the security or storage requirement, the own-damage cover for theft lapses. Article 7:952 of the Dutch Civil Code excludes intent and recklessness.
Frequently asked questions
This is what people ask us most.
Are my tools insured on the car policy?
No. What is in the load space does not belong to the vehicle and therefore falls outside every car insurance policy. Your business contents insurance usually covers only the business address. You need a goods-in-transit policy of your own or tool cover, with a sum insured that matches what is actually in the van, including cordless tools and measuring equipment.
Do I have to empty the van at night?
That depends on the clause on your policy. Many tool covers require the van to be empty outside working hours or to stand in a locked space. If you cannot meet that, report it in advance. Sometimes heavier security is an alternative. Otherwise it emerges at the first break-in that the cover founders on that condition.
Who pays for the damage to the forced sliding door?
That break-in damage falls under third-party, fire and theft or comprehensive cover, with your excess per event. If you have third-party liability only, the repair remains at your expense. Report even a small break-in; where they recur, insurers look at the security and can set additional requirements, but without a notification the evidence will be missing on a larger claim.
What if the van was left unlocked?
There is then usually no cover in the event of theft. The same applies where the key was left in the ignition or could be taken from a known place. Insurers regard that as negligence that materially increases the risk. The requirement applies to a short stop on the building site as well; locking up and switching on the alarm are not formalities but conditions of cover.
Every situation is different. For these situations we have a separate page.
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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.