Additional coverages with van insurance
After comparing van insurance policies, the next step is to take out additional insurance.
Which supplementary insurance do you need?
The 112 damage recovery service is a free addition to the van insurance. In addition, you can choose from various other supplementary insurances, namely:
- Accident insurance
- Indemnity insurance
- Recourse and legal aid
- Roadside assistance
- Own transport
Why choose the accidental occupant insurance?
In the event of an accident, the occupants may sustain serious physical injury. In case of permanent disability resulting from the accident, the insurer pays €15,000. In the event of death as a result of an accident, €5,000 will be paid. You can see it as a contribution to the costs. The payment does not depend on who is at fault. The driver will also receive a payment in the event of invalidity or death. Even if he or she is the cause of the accident.
Opting for the passenger indemnity insurance anyway
Compared to the accident passenger insurance, the coverage of the non-life passenger insurance is much broader. This insurance does not pay out a fixed amount in the event of invalidity, but pays the actual costs of the passenger. You can think of the costs of adapting your house, but also the loss of income. This can amount to hundreds of thousands of euros or even more. The passenger indemnity insurance also compensates for material damage.
Do you want legal aid insurance?
With recourse legal assistance you choose for an insurance that ensures the recovery of your damage from the other party. You can choose the legal assistance insurance for a broader coverage. In that case you also get legal assistance in disputes with a car dealer or in a dispute with a government agency regarding the delivery van, for example. In case of a dispute the costs can be high, but with a legal assistance insurance you do not have to worry about that.
Added value of insuring breakdown assistance
After an accident, the insurer will help you if your car has to be towed away, for example. The regular van insurance does not offer any help with breakdowns on the road. For breakdown assistance you can go to the ANWB and Route Mobiel, for example. Insurers have also discovered this market and can often offer the extra service for a low additional premium.
Insuring the items in your car
If your delivery van has WA + limited casco or comprehensive insurance, you will be reimbursed for the value of the van in the event of theft. This does not include the items in the delivery van. These must be insured separately. This is possible with the supplementary insurance for your own transport. If you choose this additional insurance, the possessions in the delivery van will be insured up to €5,000.
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