What is self insurance?
Did you know that if your van is stolen, you will not receive a payment for the stolen tools and other items in or from the van? The items that are not part of the van are not insured in the van insurance. With the additional insurance of your own transport you can insure your belongings.
Especially in a business used delivery van there is often a large amount of possessions unnoticed. If it is not part of the van, it is not insured in the van insurance.
The items in the van are often not insured
You may have insured the items in an inventory and goods insurance, but that is not the solution. Theft from a delivery van is often excluded from these insurances or only insured for a limited amount, such as a few hundred euros. If you choose WA + limited casco and all-risk van insurance, theft of the van is insured, but you will have to pay for everything in it yourself.
What cover is provided by self-insurance?
In the event of theft from the delivery van, the insurer will pay the damage up to a maximum of €5,000. It may concern theft during transport, but the items are also insured in case of burglary at night. One condition, of course, is that you comply with the insurer's security requirements. There may also be conditions as to which items are and are not insured.
Is self-insurance advisable?
The need for this additional cover depends on how you use the van and what is in it. It is advisable to check your inventory and goods insurance for coverage. The insurance may already offer full coverage. You can find out what the situation is in case of theft from a delivery van in the policy conditions.
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