DIY Van Alert: Insurance coverage for tools is a must!
You are self-employed and discover to your horror that one morning your van, which is always parked in the driveway at night, has been completely looted. The thieves took the locks off the doors by smashing a side window, then made off with all your stuff. You estimate that about 5,000 to 7,000 euros worth of tools were stolen. You have third-party limited liability insurance, but when you call the insurance company to report the damage, you hear that your tools are not insured. What is the situation?
Confusion over insurance coverage
With limited-casualty or all-risk commercial vehicle insurance, damage to the van caused by burglary is covered. But what is stolen from the van, or damaged, is not. Sometimes "non-car-related items" such as sunglasses or a child's seat are covered by the insurance. As a result, you may be under the impression that your policy also covers the business contents of your van. This is not the case. It covers only private belongings. After all, you can also drive your business vehicle privately. Therefore, for your valuable business tools or instruments, you should purchase additional transportation coverage.
Business transportation coverage
With your company car insurance or van insurance policy, you have the option to purchase transportation coverage. This additional transport coverage, starting at about 10 euros per month, ensures that the tools that are in your car are always covered. Against theft but also in case of accidental damage. So whether in your driveway at home or on the way to or from a customer. You determine the amount insured. Of course, in case of burglary, there must be clear traces of breaking and entering to be able to claim.
Need advice?
We at Alpina.nl recommend that all self-employed people who drive around with a company car full of valuables get business car insurance with extra transport coverage. For only a few dollars a year you will be well insured on the road and you will not be faced with unpleasant surprises. Check our websitealpina.nl and easily calculate which insurance is right for you. Need help? No problem. Contact our customer service.
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