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Supplements to van insurance

In addition to the van insurance you can choose for additional insurances. Which ones can you choose and what is their function? Not all supplements are always advisable. You should also avoid having double insurances. Only take out additional cover for your van insurance if it really adds value. You should therefore always compare the various coverages in order to find the right one.

additional van insurance

How assure in myself and the passengers?

In the delivery van insurance you insure the liability for damage caused with the delivery van. If necessary you can also insure damage to your own van. There are two additional insurances to alleviate the financial suffering for yourself and the passengers in the event of an accident.

Accident insurance

An accident can cause serious injury or death. The accident passenger insurance provides a one-off payment in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount yourself. In case of invalidity the payment is not sufficient to cover the loss of income caused by the invalidity. Most policies provide a payment of tens of thousands to about one hundred thousand euros and in case of death a lower amount is insured. In principle, you can determine the number of persons you want to insure.

The passenger indemnity insurance

This insurance is more expensive than the accidental occupant insurance, but the coverage is also much broader. In addition to payment for personal injury, this insurance also pays out for material damage resulting from an accident. For example, there is coverage for damage to the belongings of passengers. As far as personal injury is concerned, the passenger indemnity insurance is also much broader. Both the driver and the passengers are paid for the actual damage suffered. Suppose a passenger becomes disabled due to an accident with the van. From the passenger indemnity insurance a payment follows whereby the victim is fully compensated. This can amount to hundreds of thousands of euros in the case of permanent disability.

No-claims protection

With the no-claims protection you can protect the discount built up in the van insurance. If you choose this additional insurance it is possible to make one claim on the delivery van insurance without it being at the expense of the accumulated discount. The claim on the insurance does reduce the number of claim-free years, but the discount is thus artificially maintained. Are you switching to another insurer? Then the advantage is cancelled. The new insurer is based on the actual claim-free years.

Protecting rights with additional insurance

You can also choose to protect your rights with an insurance that provides legal assistance. This additional insurance is not recommended in all cases.

Roadside assistance

Help with a breakdown after an accident is standard insurance in your van insurance. More and more insurers want to go a step further by offering breakdown assistance as a supplement to the van insurance. This cover can be extended to include breakdown assistance abroad, for example. Make sure that you are not double insured for breakdown assistance. For new vans there is often a similar service from the van brand.

Legal expenses insurance

In some situations, you have to submit your claim to the person who caused the damage. Normally this is not necessary with the most extensive WA casco insurance. The insurer will pay for the damage to your delivery van itself. If your delivery van has WA or WA limited casco insurance, recovering your loss from the other party is not insured. For this you can take out a recovery assistance insurance. After the damage the insurer will take care of recovering your damage.

Legal expenses insurance for motor vehicles

This insurance also ensures the recovery of damage from the person who caused it, but the coverage is broader than the recourse legal expenses insurance. You can also use the insurance for a dispute with, for example, a van dealer. Or with the garage because there is an issue about the repair costs. You can even call upon this insurance for legal assistance for criminal prosecution following an accident. There may be specific requirements for using the legal assistance insurance for motor vehicles.

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