Van insurance
Van insurance
Which cover suits you?
Which cover suits you?
Third-party liability (mandatory)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest van insurance. The damage you cause to third parties with your vehicle will be compensated, but not the damage to your own van.
- Theft, joyriding and lossi In addition to the WA coverage, theft damage is now also compensated. Damage to your own van that you have caused yourself (e.g. by a collision) will not be compensated.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Attention: If the damage to the window is caused by an accident, this is not covered under WA-limited casco.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
WA limited casco
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest van insurance. The damage you cause to third parties with your vehicle will be compensated, but not the damage to your own van.
- Theft, joyriding and lossi In addition to the WA coverage, theft damage is now also compensated. Damage to your own van that you have caused yourself (e.g. by a collision) will not be compensated.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Attention: If the damage to the window is caused by an accident, this is not covered under WA-limited casco.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
All-Risk (WA+Casco)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest van insurance. The damage you cause to third parties with your vehicle will be compensated, but not the damage to your own van.
- Theft, joyriding and lossi In addition to the WA coverage, theft damage is now also compensated. Damage to your own van that you have caused yourself (e.g. by a collision) will not be compensated.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Attention: If the damage to the window is caused by an accident, this is not covered under WA-limited casco.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Cheap van insurance
As a business owner, you cannot do without a reliable van. So you certainly don't want to skimp on the quality of insurance but are looking for cheap van insurance. On the other hand, you don't want to pay too much either. Via Alpina.nl search for the cheapest van insurance with the best coverage.
When insuring your van, you can choose between three types of insurance:
- WA
- WA + limited casco
- All-risk
We will be happy to explain which form suits you, your company or your delivery van best.
When to choose the WA?
This insurance offers coverage against third-party liability. You or an employee of your company causes an accident with the delivery van. The injured party can recover the damage from your van insurance. They can even submit the claim directly to the insurer. You cannot submit the damage to your delivery van to your insurer. This is because the WA van insurance does not provide cover for this. Only if the delivery van is insured all-risk, you will also be reimbursed for your own damage.
When to choose WA + limited casco?
The WA + limited hull is often taken out if the WA cover is too limited and the all-risk cover too expensive for the delivery van. The cover is an extension of the WA van insurance. This form of insurance has the following additional coverages:
- Lightning damage
- Collision with stray animals
- Hail and storm damage
- Windscreen damage
- Fire and explosion
- Theft and damage due to attempted theft
This is a frequently chosen car insurance for vans that are already a few years old, but still have a high current value.
When to choose all-risk?
A new delivery van should preferably be insured all-risk. The biggest difference with WA + limited hull is that damage to the delivery van, for example due to a collision or vandalism, is paid for by your insurer. The damage may be recovered from the other party or the person who caused the damage. With this type of insurance you can prevent losing your van due to a steering error. The insurer will compensate the damage.
Additional insurances for the van
After you have calculated the premium for the van insurance, you still have the possibility to take out additional insurances. For example, the damage and accident passenger insurance. You can also choose for the addition own transport. This insures possessions which are in the delivery van but are not part of the vehicle.
What does the premium depend on?
The premium that you have to pay for your van insurance depends, among other things, on the following factors:
- Which type of insurance do you choose?
- What is the current value of the van?
- What is your postcode?
- What is the age of the regular driver?
- Have you already accumulated claim-free years that you can use?
How can you calculate the premium and insure your van?
With the license plate number and the number of accumulated claim-free years, you already know enough to calculate the premium for the van insurance. You compare several insurers at once and choose the insurance with the best cover at the lowest price. Is your van already insured? By comparing them, you will know within a few minutes how much you can save if you switch to another insurer. We can help you terminate your current van insurance.
24 hour coverage, 7 days a week
You can take out our van insurance 24 hours a day, 7 days a week. In most cases, you will also receive provisional coverage immediately and you can immediately take the van on the road.
Insuring a van without a driving licence
Driving a van without a license is not allowed by law. Driving without a license is not an option for van insurance either. The insurance does not provide coverage in that case. But of course you can buy a van and let others drive it. But not all insurers welcome you in that case. We offer help. On Alpina.nl you can insure a van without a driver's license.
Questions about van insurance?
Click here for the frequently asked questions on van insurance.
Frequently asked questions about van insurance
Often company cars and private cars used for business purposes can be insured excluding VAT on a delivery van insurance. Company cars that are purchased (new) after 1 July 2005 can, in many cases, also be insured exclusive of BPM. This results in a considerably lower premium because the insurance company assumes a lower value.
This means that the insurance company will also pay out exclusive VAT and/or BPM in the event of a claim.
When can I deduct VAT?
For example, you can deduct VAT on the (purchase of a) business car of your own company. When making a comparison, you will be asked whether you can deduct VAT. When you answer 'yes' to this question, the original catalogue value (and therefore the insured value) is automatically reduced by the VAT. You will then not have to pay any premium over the VAT amount. Naturally, any damage compensation will also be paid exclusive of VAT. As a private person, you cannot, in principle, offset VAT.
VAT is not charged on the insurance premium but insurance premium tax is. The insurance tax you have to pay cannot be deducted.
Click here for more information about VAT and BPM.
The van insurance is meant for commercial vehicles (grey registration) with an unladen weight up to 3500 kilograms.
In certain cases, it matters to van insurance what items you are transporting. Carrying flammable substances or theft sensitive goods can influence the premium. We therefore recommend that you indicate this when you take out van insurance. This way you can avoid problems in case of damage.
Yes, you can. On our delivery van insurance it is also possible to insure delivery vans that are used as courier services.
Yes, there is often a limit to the number of miles you can drive your van per year. You specify this when you start the insurance and it often ranges from a maximum of 12000 kilometers per year to unlimited. The more miles you plan to drive with the van the higher the insurance premium will be.
Insuring a delivery van
In order to insure a delivery van, we need several things from you, first to calculate the premium and then directly to conclude the insurance:
- License plate
- Reporting code; This is the last four digits of the chassis number
- Place of residence or business
- The date of birth of the regular driver
- What you will use the van for
- How many kilometres you will drive with the van
- Any accumulated claim-free years
What are important things about the policy conditions?
Reading policy conditions is not the nicest thing to do. That's why we've put the most important ones in a row. Clear and simple.
reading time 3 minutes
How does it work with claim-free years?
You can see how many claim-free years you have accumulated on your policy schedule. Not sure? Check with your insurer or intermediary. This will prevent the premium from changing later on if the claim-free years were incorrect.
Read all about building up claim-free years
reading time 3 minutes
What supplementary insurances are there?
Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.
Check the pros and cons of supplementary insurances
reading time 4 minutes
What are important things about the policy conditions?
Reading policy conditions is not the nicest thing to do. That's why we've put the most important ones in a row. Clear and simple.
reading time 3 minutes
How does it work with claim-free years?
You can see how many claim-free years you have accumulated on your policy schedule. Not sure? Check with your insurer or intermediary. This will prevent the premium from changing later on if the claim-free years were incorrect.
Read all about building up claim-free years
reading time 3 minutes
What supplementary insurances are there?
Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.
Check the pros and cons of supplementary insurances
reading time 4 minutes
Recovery service
Alpina cooperates with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
Report damage
Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windscreen damage, you can call in a windscreen repairer who is listed on your green card. In most cases the glass repairer will settle the claim with your insurance company.
Report a change
Do you want to change your van insurance or has something changed in your personal situation? You can reportdifferent types of changes.
- Change personal data
- Change of address
- Changing other insurance
- Cancelling insurance
Report damage
Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windscreen damage, you can call in a windscreen repairer who is listed on your green card. In most cases the glass repairer will settle the claim with your insurance company.
Report a change
Do you want to change your van insurance or has something changed in your personal situation? You can reportdifferent types of changes.
- Change personal data
- Change of address
- Changing other insurance
- Cancelling insurance
Benefits Van Insurance at Alpina\.nl
Immediate coverage possible, 24/7
You can calculate and take out van insurance 24 hours a day, 7 days a week. In most cases you will get coverage immediately so you can get your van on the road quickly.
Close within 5 minutes
When you take out van insurance online, you want cover immediately. That's why you can see where you stand with us. You can insure your vehicle within 5 minutes. You choose your own cover and excess, so you never pay too much. Your application will be assessed immediately and take effect when you want.
Immediate coverage possible, 24/7
You can calculate and take out van insurance 24 hours a day, 7 days a week. In most cases you will get coverage immediately so you can get your van on the road quickly.
Close within 5 minutes
When you take out van insurance online, you want cover immediately. That's why you can see where you stand with us. You can insure your vehicle within 5 minutes. You choose your own cover and excess, so you never pay too much. Your application will be assessed immediately and take effect when you want.
Money back guarantee! 14-day cooling-off period
When you take out insurance with us, you have a 14-day cooling-off period. This means that you can cancel the insurance within 14 days without giving any reason. Click here for the conditions.
Acceptance for everyone
Alpina.nl has a suitable van insurance policy for every type of van and driver.
Transfer assistance
Want to switch from your current insurer to Alpina.nl, but are dreading all the hassle? No need! Switching to Alpina is very easy with our free cancellation service. It works like this:
- Calculate your premium and insure your vehicle
- Download the free cancellation letter
- Sign the letter and send it to your insurer
Money back guarantee! 14-day cooling-off period
When you take out insurance with us, you have a 14-day cooling-off period. This means that you can cancel the insurance within 14 days without giving any reason. Click here for the conditions.
Acceptance for everyone
Alpina.nl has a suitable van insurance policy for every type of van and driver.
Transfer assistance
Want to switch from your current insurer to Alpina.nl, but are dreading all the hassle? No need! Switching to Alpina is very easy with our free cancellation service. It works like this:
- Calculate your premium and insure your vehicle
- Download the free cancellation letter
- Sign the letter and send it to your insurer
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