Take out commercial vehicle insurance

Taking out commercial vehicle insurance is something you can do yourself. Of course, you don't go for a random insurer without comparing first. After all, you want the most comprehensive insurance for your company car, but it must remain affordable. This combination is quite possible, namely by calculating the premium at Alpina.nl. After comparing, you can take out commercial vehicle insurance right away.

People often think that insurance is complicated, and wrongly so. In the past, premiums had to be calculated on the basis of price lists with various dependencies. This is no longer necessary. The rates are now integrated into websites. So you no longer have to go to the local intermediary. What's more, by comparing rates yourself, you also include the insurers who charge low premiums.

Where and how do you start?

You can take out commercial vehicle insurance yourself by means of the registration number. You enter this on our website and the rest is self-explanatory. A number of details are requested in order to estimate what the risk is for the insurer. These are simple questions that you can answer off the top of your head. You do not have to go through your entire administration.

What does company car insurance premium depend on?

There are several factors that play a role in determining the amount of the premium. For example, it depends on your postal code and age, but also on the number of years without claims. The factors of the company car are also important. These include the year of construction, the value and the weight of the car. It also makes a difference how the company car is used. For example, the premium for a courier company is higher than for a company car used to transport employees to construction sites. The most important premium determining factor is the desired coverage.

Which type of insurance do you choose?

There are three standard coverages to choose from, namely:

• WA
• WA + limited casco
• All Risks

WA company car insurance is the insurance you choose for a company car with only a small value. You will not insure a vehicle of €2,500 in value for a premium of €1,000 per year or more. Does your company car have a higher daily value? Then you can consider the WA + limited casco or the all risks. The all risks company car insurance is mostly chosen for new company cars until they are a few years old.

Can you deduct the VAT?

If the car is used for business purposes, you can insure the value of the car excluding VAT. This saves on the premium, because it makes a big difference to the daily value.