Van insurance
Which cover suits you?
Third-party liability (mandatory)
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Free recovery service
i 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.
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Damage to others
i This is the basic coverage and cheapest van insurance. It covers the damage you cause with your car to third parties, but not the damage to your own van.
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Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your own van that you caused yourself (e.g. due to a collision) is not covered.
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Windscreen damage
i Windscreen damage involves damage to the window itself and consequential damage caused by glass fragments. Please note: If the windshield damage is caused by an accident, it is not covered by WA limited hull coverage.
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Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
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Own damage caused by a collision
i 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
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Free recovery service
i 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 others
i This is the basic coverage and cheapest van insurance. It covers the damage you cause with your car to third parties, but not the damage to your own van.
-
Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your own van that you caused yourself (e.g. due to a collision) is not covered.
-
Windscreen damage
i Windscreen damage involves damage to the window itself and consequential damage caused by glass fragments. Please note: If the windshield damage is caused by an accident, it is not covered by WA limited hull coverage.
-
Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
-
Own damage caused by a collision
i 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)
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Free recovery service
i 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 others
i This is the basic coverage and cheapest van insurance. It covers the damage you cause with your car to third parties, but not the damage to your own van.
-
Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your own van that you caused yourself (e.g. due to a collision) is not covered.
-
Windscreen damage
i Windscreen damage involves damage to the window itself and consequential damage caused by glass fragments. Please note: If the windshield damage is caused by an accident, it is not covered by WA limited hull coverage.
-
Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
-
Own damage caused by a collision
i 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 can't 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 have a choice of three forms of insurance:
- WA
- WA + limited casco
- All-risk
Which form best suits you, your company or your van, we will be happy to explain.
When to choose the WA?
This insurance provides coverage against Third Party Liability. You or an employee of your company causes an accident with the van. The injured party can recover damages from your van insurance. They can even submit the claim directly to the insurer. You cannot file the damage to your van with your insurer. This is because the WA van insurance does not provide coverage for that. Only if the van is all-risk insured, you will also be paid 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 van should preferably be insured on an all-risk basis. The biggest difference with the WA + limited casco is that damage to the van, for example by collision or vandalism, is paid for by your insurer. If necessary, the damage will be recovered from the other party or the perpetrator. With this type of insurance you can prevent the loss of your van due to a steering error. The insurer will pay for the damage.
Additional insurances for the van
After you have calculated the premium for van insurance, you still have the option of taking out additional insurance. For example, you can think of the damage passenger insurance and the accident passenger insurance. You can also opt for the addition of your own transport. This insures possessions in the van that are not part of the vehicle.
What does the premium depend on?
The premium you have to pay for your van insurance depends on the following factors, among others:
- 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 accrued claim-free years, you already know enough to calculate the premium for van insurance. You compare several insurers at once and choose the insurance with the best coverage at the lowest price. Is your van already insured? By comparing you will know within minutes how much you can save if you switch to another insurer. We can help you cancel your current van insurance.
24 hour coverage, 7 days a week
Our van insurance is available 24 hours a day, 7 days a week . In most cases, you also get immediate provisional coverage and can hit the road with the van right away.
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
How does it work with the insurance of VAT and BPM?
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 from your own business. When making a comparison, you are asked whether you can deduct VAT. When you answer 'yes' to this question, the original catalog value (and thus the insured value) is automatically reduced by the VAT. You will then not have to pay any premium on the VAT amount. Of course, any claim payment will also be paid out exclusive of VAT. As a private individual, in principle, you cannot deduct VAT.
You do not charge VAT on the insurance premium but insurance tax. You cannot deduct the insurance tax you have to pay.
Click here for more information about VAT and BPM.
For which vehicles is the van insurance intended?
The van insurance is meant for commercial vehicles (grey registration) with an unladen weight up to 3500 kilograms.
With van insurance, is it important which goods I transport?
In certain cases, it matters for van insurance what items you are transporting. Transporting flammable materials or theft-sensitive goods can affect the premium. We advise you to indicate this when you take out your van insurance. This way you can avoid problems in case of damage.
I use the van as a courier. Is this possible?
Yes, you can. On our delivery van insurance it is also possible to insure delivery vans that are used as courier services.
Is there a limit to the number of miles I can drive my van per year?
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
To insure a van, we need several things from you in order to first calculate the premium and then purchase insurance directly:
- 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 miles you will drive 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?
How many claim-free years you have accumulated can be found on your policy schedule. Not sure? Check with your insurer or intermediary. This way you avoid having to change the premium afterwards if the claim-free years were not correct.
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?
How many claim-free years you have accumulated can be found on your policy schedule. Not sure? Check with your insurer or intermediary. This way you avoid having to change the premium afterwards if the claim-free years were not correct.
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 completely free of charge to recover your damage from the other party.
Report damage
Do you have damage? Then you can report it online using the form below. Do you need an emergency towing service? On your green card you will find the phone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windshield damage, you can use a windshield repairer listed on your green card. In most cases, the windshield repairer will settle the claim with your insurance company.
Report a change
Do you want to adjust your van insurance or does something change in your personal situation? You can make several types of changes.
- Change personal data
- Change of address
- Changing other insurance
- Cancelling insurance
Report damage
Do you have damage? Then you can report it online using the form below. Do you need an emergency towing service? On your green card you will find the phone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windshield damage, you can use a windshield repairer listed on your green card. In most cases, the windshield repairer will settle the claim with your insurance company.
Report a change
Do you want to adjust your van insurance or does something change in your personal situation? You can make several 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
Van insurance can be calculated and taken out 24 hours a day, 7 days a week. In most cases, you also get coverage right away, allowing you to get your van on the road quickly.
Close within 5 minutes
When you buy van insurance online, you want instant coverage. That's why with us, you see where you stand right away. You can insure your vehicle within 5 minutes. You choose your own coverage and excess, so you never pay too much. Your application is assessed immediately and takes effect at your convenience.
Immediate coverage possible, 24/7
Van insurance can be calculated and taken out 24 hours a day, 7 days a week. In most cases, you also get coverage right away, allowing you to get your van on the road quickly.
Close within 5 minutes
When you buy van insurance online, you want instant coverage. That's why with us, you see where you stand right away. You can insure your vehicle within 5 minutes. You choose your own coverage and excess, so you never pay too much. Your application is assessed immediately and takes effect at your convenience.
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 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 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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