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Home Commercial vehicle insurance What does the third-party insurance not cover

What the third-party insurance does not cover

Do you take out company car insurance with WA coverage? Then in principle you are only insured for damage you cause to others. But what about your damage?

wa conditions car insurance

Car and driver

Your insurer will not reimburse you for damage to your company car. Your insurer will not reimburse you for damage because you were injured (personal injury) or for material damage resulting from an accident. Your passengers are insured for both personal injury and material damage (such as luggage). If, as a driver, you want to be insured for this, you have to take out a passenger insurance.

Insurance for passengers

Sometimes it can take a long time to find out who caused the accident. Your passengers then have to wait a long time before the insurer pays for the damage. With a passenger insurance you can avoid this problem. Because this insurance pays out quickly, without taking the question of guilt into account.

Exclusions

There are situations in which your insurer does not have to compensate the damage caused by your business car. For example, if your car is stolen. If the thief causes damage with your company car, the other party can recover the damage from the Guarantee Fund. Joyriding without forcibly breaking into your car is not considered theft. In that case the WA-coverage of your business car insurance is valid.

Do you take part in a legal car rally or other competition? Then your insurance company does not have to compensate your loss. This is because the organiser of the race has arranged collective insurance for all participants. Has the organiser not arranged collective insurance? Then your insurer does not have to pay your damage either. Because you are not insured for participation in road races.

In all other situations, your car insurer must always compensate the other party for the damage. But it may be that your insurer recovers the damage from you. In that case you have to pay for the damage yourself. This is only possible if the insurer has included the exclusions in the policy conditions. Mostly it concerns exclusions where the damage is caused:

  • by a driver who has drunk too much alcohol
  • by a driver without a (valid) driving licence
  • has been applied on purpose or with your approval
  • while the car is used in a different way than declared, e.g. as a taxi (while a private car insurance has been taken out)

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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