What does third-party coverage in a van insurance policy cover?
For an older van the WA van insurance is the most frequently chosen form of insurance. You choose this cheapest delivery van insurance if the value of the delivery van is low. In an accident where your own van is also damaged, this insurance will not pay for your own damage. Only the damage to the other party.
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
WA limited casco
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All-Risk (WA+Casco)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
What does WA van insurance cover?
The owner of a van has the obligation to take out insurance. This is the insurance against legal liability. The abbreviation is WA. There are three forms of insurance that you can choose between, of which WA is the cheapest. In the event of an accident caused by the driver of your van, the insurer will compensate the other party for the damage. You must pay for the damage to your van yourself. If the other party is liable for the damage, you can recover the damage from the insurer of the other party.
Does it matter who the driver of the van is?
No, others than the owner may also drive the van. The driver must of course have a valid driving licence, but that is logical. It is a different story if someone other than the owner is the regular driver of the van. The insurer must be notified of this. This may result in an adjustment of the premium. In that case the premium for the van insurance will also depend on the claim-free years built up by the regular driver.
When to choose WA van insurance?
Third-party insurance is often chosen for older delivery vans. Where the limit is differs per car and also depends on, for example, the mileage and the state of repair. If a delivery van is only worth €1,000, it is no longer worthwhile to choose the all-risk insurance. This is because the premium is too high in relation to the cover you get. You are not going to pay €400 per year in premium for all-risk van insurance if the vehicle itself is only worth €1,000.
What is the risk of insuring only third-party insurance?
In the event of an accident caused by the driver of the delivery van, the damage to the driver's own delivery van will not be compensated by the insurer. This is also the case with the WA + limited casco. Only the all-risk van insurance provides coverage for this damage. By choosing the more extensive WA + limited hull you do have coverage for damage caused by theft, broken windows and fire damage. The premium for this insurance is often only slightly higher than for the WA van insurance.
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