Insure your company car easily and quickly

Of course, every car must be insured. In the Netherlands, you are required to take out at least third-party vehicle insurance. But when do you opt for private car insurance and when for company car insurance?

Even in a car that is privately insured, you may drive business mileage, such as to a business meeting or trade show. You may then deduct the kilometers driven for tax purposes in your business records. If you use the car as a cab or for delivering meals, you always need company car insurance. It does not matter whether it is a passenger car or a delivery van. Is the company car only used for commuting? Then the company car does not need to be insured as such. You can also insure the car privately if you wish.

What it costs to insure a company car depends on the policyholder and the car. Similar to private car insurance, your age, place of residence and the number of claim-free years you have accumulated are considered. In addition, of course, the desired insurance coverage affects the cost. Third-party company car insurance costs less per month than all-risk coverage. In addition, it is important what exactly the company car is used for. This could be for courier services, meal delivery or as a teaching vehicle, for example. The type of vehicle also plays a role in determining the premium for commercial vehicle insurance.

For insuring your commercial vehicle, you can choose from three different coverages. These are:

• WA
• WA + limited casco
• All risk

Third-party insurance is the minimum coverage. It insures you for damage you cause to another person. To insure your own car in case of damage as well, you must take out comprehensive coverage, such as the WA + Limited Casco or All-risk coverage.

Comparing commercial auto insurance is very easy. To do so, you can use our online comparison tool. You enter a number of details about yourself and your car that determine the amount of the premium. These include the desired coverage, your age, where you live and your claim-free years. Then you will get an overview of all insurance policies that match your wishes, including the corresponding premiums. This way you can easily compare on price and content.

Calculating company car insurance is based on a number of factors. You do not have to work with figures and premiums yourself, you can simply do this online at Alpina.nl . An important factor in calculating the premium of a company car insurance is choosing the coverage. Will you go for basic third-party insurance or will you opt for comprehensive all-risk coverage? When making this decision, you should especially consider the age and daily value of your car. Is your company car already a bit older? Then a third-party insurance policy may be sufficient. Do you have a very new or expensive company car? Then more comprehensive coverage may be wise.

If you use the company car primarily privately and for commuting, you can also purchase private car insurance. However, this is not always possible. With the word company car, people often think of a van, but of course a company car can also be a passenger car. A vehicle is a company car if it is so registered in your company's accounts. A company van does need to be insured with a company car insurance policy.

Do you travel a lot of miles for work? Then buying a company car may be a good idea. Even as a ZZP'er you can insure a company car. For example, the van you use for your catering activities. Or the company van you drive every day as a ZZP'er in the construction industry. Purchasing a company car through your company can save you a lot of tax money. If you purchase the company car privately, you cannot deduct the insurance as an expense.

As a courier, you obviously use a company car a lot, so it is important that you are properly insured. For this you can take out special courier insurance. This insurance is special for company cars that are used as courier services. Compared to van insurance, courier insurance is an expensive insurance, though. The risk is relatively high, hence a higher premium. At Alpina.nl we can offer affordable courier insurance.

We have affordable insurance for any commercial vehicle. How cheaply you can insure your commercial vehicle depends, for example, on the coverage you choose, but also on the type of vehicle you want to insure. Insurers, for example, are not so keen to insure a commercial vehicle used for courier services, because these are relatively more likely to have accidents. This is why it carries a higher premium. By using our online comparer, you can find the cheapest insurance for your commercial vehicle within minutes.

At Alpina.nl you insure your commercial vehicle very easily online. All you have to do is enter the license plate number of your company car. After this, quite a few details will be asked. Based on this data, the insurance premium is calculated. Then you will get an overview of all insurance policies that fit your company car and your personal situation. Do you see an offer that appeals to you? Then you can take out the insurance directly online.

Insure your car directly on Alpina.nl Nothing is more annoying than having to wait a long time for confirmation or coverage. While taking out insurance, keep the following items handy:

• The license plate
• Your claim-free years
• The reporting code of the car