Why do you need occupant insurance?
The accidental occupant insurance is similar to the accidental occupant insurance, but the premium is higher and the cover much more extensive.
The damage passenger insurance pays out for damage to the occupants of your van. The damage must have been caused by an accident. It may concern both personal injury and material damage.
Why is the passenger indemnity insurance useful?
In the event of damage, the passengers can hold the guilty party liable for the damage. Theoretically this is true, but in practice it often turns out differently. These are often procedures that take years. Liability can also be unclear. Who can you turn to? With the passenger indemnity insurance, the question of guilt is not considered.
It is different for the driver of the delivery van. If he is liable for the damage, no payment will be made by the insurer. You cannot hold yourself liable for damage you have caused yourself.
What is the difference with the accidental occupant insurance?
We recommend to extend the van insurance with the damage passenger insurance instead of the accident passenger insurance. The accidental occupant insurance also pays out for material damage. For example, a damaged telephone as a result of an accident. In the event of invalidity, for example, there is no one-off payment of €15,000, but the insurance covers the actual costs. If the income of the disabled passenger is lost, the passenger indemnity insurance provides compensation.
When does the passenger indemnity insurance pay out?
A payment is made after an accident. If this has caused damage to one of the passengers, the insurer will pay. Damage to the car itself is of course not covered. This includes, for example, damage to hand luggage or any medical costs incurred as a result of the accident.
Do you recommend the passenger indemnity insurance?
You can insure a large risk for a low premium. There is an overlap with e.g. the health insurance and the third-party liability van insurance if the driver of the van is to blame for the accident. For the driver the insurance offers added value. In case of permanent disability it makes quite a difference whether or not a damage passenger insurance has been taken out.
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