What does own transportation insurance entail?
Did you know that in case of theft from or of your van, 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 own transport you can insure your belongings.
Especially in a business used van, there is often a large amount of possessions unnoticed. If it is not part of the van, it is not included in the van insurance.
The items in the van are often not insured
You may have the items insured in inventory and property insurance, but that is not the solution. Theft from a van is often excluded in these policies or only insured for a limited amount of, say, a few hundred euros. When opting for the WA + limited casco and all risks van insurance, theft from the van is insured, but everything inside has to be paid for by yourself.
What coverage does self-insurance provide?
In case of theft from the van or from the van, the insurer pays the damage up to a maximum of €5,000. It can be theft during transport, but the items are also insured in case of burglary at night. A 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 transport insurance recommended?
The need for this additional coverage depends on how you use the van and what is in it. It is advisable to check your inventory and property insurance policy for coverage. The insurance may already offer full coverage. What about theft from a van can be found in the policy conditions.
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