What is accidental occupant insurance in a commercial vehicle insurance policy?

The accident passenger insurance is a frequently chosen supplementary insurance policy. In the event of permanent disability and death due to an accident involving the company car, the insurance pays a lump sum.

Motorists who often carry passengers often choose accident passenger insurance. An accident resulting in serious injury or death is devastating if it happens to you and your passengers. Through insurance, you can at least provide a little financial compensation for the suffering caused.

When does accidental occupant insurance pay out?

In case of permanent disability and death of a passenger as a result of an accident, the insurer pays out. It can be a passenger, but also the driver. Here, the question of fault does not play a role and payment can be made quickly.

How much is the benefit?

In case of permanent disability, the insurer pays a lump sum of €15,000. In the event of death, a payment of €5,000 follows. The amount applies per passenger. The maximum number of insured passengers depends on the number of seat belts in the commercial vehicle. If there are four seat belts in the commercial vehicle, a maximum of four people will also be paid out.

Is accidental occupant insurance recommended?

There can be a discussion about the need for this insurance. The payout from the additional insurance is only limited, and often the party causing the accident can also be called upon for financial compensation for the suffering. The accident passenger insurance has the advantage that a payment also follows for the driver. Even if the driver himself is responsible for the accident. In that case, in fact, there is no insurer to sue for damages. It should also be said that the insurer can quickly pay out. This is because the question of fault does not play a role.

Indemnity passenger insurance as an alternative

The slightly more expensive indemnity passenger insurance provides better coverage than accident passenger insurance. In case of injury, the actual charges are borne by the insurer. Even if there is no permanent disability. Thus, the benefit is not limited to €15,000. Non-life passenger insurance also provides compensation for property damage. So this is the more expensive but better alternative.