Commercial Auto Insurance

In general,car insurance for business use ismore expensive than car insurance for personal use. If you’re looking for good business car insurance, it’s worth taking the time to carefully compare the premiums for these policies.

One of the reasons why the premium is higher for business use is the amount of driving. Business vehicles generally are driven more than those used for personal purposes.

Furthermore, it appears that the drivers of these vehicles are often not the owners. As a result, they do not pay theauto insurancepremium themselves. Their incentive to drive accident-free is therefore much lower, because they do not feel the impact of a premium increase resulting from an accident.

Third-party liability insuranceis the most important and mandatory component. The abbreviation “WA” stands for “wettelijke aansprakelijkheid” (third-party liability). This coverage ensures that the other party is compensated for damages when you are liable. The premium for this coverage forms the basis of the insurance policy. You can choose an additional rider that also provides compensation for damage to your own car. In addition to the legally requiredthird-party liabilityinsurance, you can opt forlimited comprehensive coverageor all-risk insurance (known as “WA casco”). With limited comprehensive insurance, you’re also compensated for fire damage, broken windows, and damage caused by a collision with stray animals. Comprehensive insurance also covers damage to your own car caused by your own fault.

On Alpina.nl, you can easily calculate the premium for commercial auto insurance. All you need is the license plate number of the car(s) and the number of claim-free years you’ve accumulated. To get an accurate calculation, you’ll need to provide more information than just the details above, but you already know the rest of the answers by heart. To actually insure the car, you’ll need a license plate number and aregistration code.

Factors that play a significant role in determining the premium:

• What coverage did you choose?
• How many claim-free years have you accumulated?
• How old are you?
• What is your ZIP code?

Click here for more information oncomparing insurance policies.

All car owners are legally required to insure their vehicles as soon as the license plate is registered in their name. This, of course, also applies to cars used for business purposes. Do you want to compare car insurance policies? At Alpina, you can quickly and easily compare premiums based on price and coverage. When comparing vaninsurance, there are several factors that determine the premium: 

• The Selected Coverage 
• Number of claim-free years 
• Your age 
• Your ZIP code 

You can purchase a commercial auto insurance policy in just a few steps.  

• Enter your ZIP code, license plate number, date of birth, and number of claim-free years;
• Choose the right coverage for your car: liability, limited comprehensive, or all-risk coverage;
• Compare the different providers based on premiums and coverage;
• Get your commercial auto insurance.

Are youself-employedand do you use your car for client visits, business trips, or transporting business goods? If so, it’s important that your car is also insured for business use. Business auto insurance takes into account that, as a self-employed person, you drive more kilometers. Yourpersonal use is also covered under the business auto insurance. If you use the car only for commuting to and from work, personal auto insurance is sufficient. 

Civil Liability (WA)

This is the basic coverage and the lowest premium. It covers damage you cause to third parties with your car, but not damage to your own car.

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Limited comprehensive coverage (Third-Party Liability Plus or WA+)

In addition to liability coverage, damage to your own car is now also covered in the event of, among other things, fire, theft, storms, and broken windows. Damage to your own car that you caused yourself (for example, in a collision) is not covered.

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Comprehensive (all-risk) coverage

This is the most comprehensive coverage. Everything covered under limited comprehensive coverage is reimbursed, but now all damage to your own car is also reimbursed.

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