Van insurance?

Do you have a van and want to insure it? Then keep in mind that it is not the same as a normal car. Looking at what the tax authorities mean by a van, the van must meet the following requirements:

• The van is mainly equipped for transporting goods.
• The cargo area should have a fixed, flat loading floor across the entire width and length of the cargo area.
• No seats may be present in the cargo area.
• The maximum authorised mass is a maximum of 3,500 kilograms. The permissible maximum mass is the weight of the van plus the permissible weight of passengers and cargo combined. If you exceed this 3,500 kilos, it is no longer a van but a truck.

Do you meet these requirements? Then you can look for a suitable van insurance policy!

Points of attention for van insurance

If you search online you will soon find out that there are many providers for van insurance. Do you go for basic insurance or do you want additional insurances as well? In any case, take the following into account with a van insurance.

1. Decide what exactly you want to insure and how much you want to spend per month on insurance. If budget is low, you may decide to disregard supplementary insurance and go for the basic insurance only. If you have more budget, you can of course choose additional packages such as breakdown cover, cargo insurance (for the stuff in your van), legal expenses insurance (for legal help) or passenger accident insurance. Of course, the more additional insurances you take out, the higher the premium. So weigh up carefully what you need and what you really cannot do without.
2. Compare the price for basic insurance. As with a passenger car, you can choose between WA, WA + Limited Casco and WA + full casco. With WA, the basic package is the simplest and covers the least, if you want full security, you should go for WA+ full body. So decide carefully what you want and compare the prices of different insurers.
3. Take a good look at the general terms and conditions and what is covered; this can vary considerably from one insurer to another. So look carefully at the small print and decide what is important to you, so you may need additional insurance.
4. Other services such as replacement transport, for example, can also vary from provider to provider, look carefully at these too.
5. Do you travel abroad a lot? Then also take into account the coverage abroad, suppose you are stranded in France with a breakdown it is nice to know where you stand. These are important points to think about.

Not getting anywhere and still want more advice? Then approach an independent insurance adviser in your area who can do the work for you!

What's the difference? WA/ WA+ difference

We also have the various insurance policies in this blog explained but roughly speaking, the differences are as follows:

• WA: the legally required insurance, this applies to all cars and is meant to cover damage you cause to others with your van.
• WA+ limited casco: With this, you also insure damage to the car itself in certain cases. For example, damage due to theft, fire and storm and windscreen damage. Damage to your van due to a collision is not covered.
• WA+ full casco: This is the most comprehensive insurance and here you also get compensation for damage to your van due to a collision, even if the collision is your own fault.

Want to make sure your car is a van? Then use this tool from the tax authority.

Good luck with your choice!