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"Comparing commercial auto insurance almost always pays off. Premiums may have increased or your situation may have changed. That's why we recommend comparing your commercial auto insurance every year."

Laura - Expert Auto Insurance
Expert car insurance for years

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All about company car insurance
Insuring your commercial vehicle properly doesn't have to be expensive. You can save on the premium without settling for limited coverage. By comparing, you determine what's important and where to buy your commercial vehicle insurance. Of course, you want the best coverage for your commercial vehicle insurance.
Insuring a company car is often complicated, but it is not that complex. In fact, insurers offer forms of insurance that are essentially the same across all insurers.
Compare commercial vehicle insurance policies
Want to compare company car insurance? At Alpina, you can easily and quickly compare premiums by price and content. There are several premium determinants when comparing van insurance:
- The coverage chosen
- Number of claim-free years
- Your age
- Your zip code
What is company car insurance?
Company car insurance is taken out for the car that you use for business purposes and that is also registered in the administration. Company car insurance is more expensive compared to private insurance, but you can keep the differences limited by comparing car insurance atAlpina.nl.Employees are also allowed to drive the vehicle. Is the car used only for commuting? In that case, company car insurance is not strictly necessary. Insuring the car privately is then an option.
Affordable commercial vehicle insurance
Are you looking for low-cost commercial vehicle insurance? Dhe premium for company car insurance has the same basic dependencies as the private policy. The following factors come into play:
- Number of claim-free years
- The coverage chosen
- Use of the company car
- Choice of accessories co-insured
Choosing WA commercial vehicle insurance
You choose WA commercial vehicle insurance primarily for a commercial vehicle eight years old or older. Where the limit lies depends greatly on the value of the vehicle. A ten-year-old company car can still be worth a lot. The biggest disadvantage of third-party insurance is that damage to your own company car will not be paid for by the insurer. In case of damage you can possibly hold the other party liable, but that does not apply if you yourself are liable for the damage. Do you find this coverage too limited? Then choose one of the other two options for your business car insurance.
Choosing WA + limited collision commercial vehicle insurance
The WA + limited casco obviously also provides coverage for damage caused to others. In addition, your own company car is also insured against a number of causes of damage listed in the policy conditions. These are the following coverages:
- Theft and damage from attempted theft
- Lightning damage
- Animal collision
- Hail damage
- Storm damage
- Window Break
- Fire and explosion
You choose this form of insurance when third-party insurance is too limited and all-risk coverage is too costly relative to coverage. Especially for an older commercial vehicle, the most comprehensive insurance can be too costly. You are not going to pay a €1,000 premium if the company car is only worth €2,000.
Choosing all risk commercial vehicle insurance
This insurance provides the coverage in the third-party liability + limited collision plus additional coverage, such as
- Collision damage to own car
- Damage to commercial vehicle due to slippery road surface
- Getting the vehicle under water
- Damage caused by vandalism
You choose the all risk commercial vehicle insurance for a new commercial vehicle until the car is about three or four years old. This is an indication. You can also keep the company car all risk insurance for a six-year-old company car. It is a matter of weighing the coverage against the premium. As the vehicle ages, the daily value drops. As a result, it makes less and less sense to keep the company car extensively insured.
Also need supplemental insurance?
In addition to the insurance policies mentioned above, you can also choose a number of additional policies. Especially accident passenger insurance and damage passenger insurance are frequently chosen additional insurances. Also consider personal transport insurance. This provides coverage in case of theft from the company car. This could include tools or goods transported to customers.
Know what the premium is for a company car? Then calculate the premium online.
Not good, money back. 14 days reflection period
When you take out a commercial vehicle insurance policy with us, you have a 14-day cooling-off period. This means that you can cancel the insurance without giving any reason within 14 days free of charge.
Acceptance opportunities for everyone
Alpina.nl has the right commercial vehicle and driver insurance for every type of commercial vehicle and driver.
Switching assistance
Want to switch from your current insurer to Alpina.nl, but are dreading all the hassle? No need! Switching to Alpina is very easy with our free cancellation service. It works like this:
- Calculate your premium, and insure your vehicle
- Download the free cancellation letter
- Sign the letter and send to your insurer
Frequently asked questions about commercial vehicle insurance
What is company car insurance?
Company car insurance is taken out for the car that you use for business purposes and that is also registered in the administration. Company car insurance is more expensive compared to private insurance, but you can keep the differences limited by comparing car insurance at Alpina.nl. Employees are also allowed to drive the vehicle. Is the car used only for commuting? In that case, company car insurance is not strictly necessary. Insuring the car privately is then an option.
When do you choose company car insurance?
In a privately insured car, you may drive business miles. You may offset the miles driven for tax purposes in your business records. But that story doesn't always hold true. For example, you may use your private car to drive to a trade show or a business meeting. For delivering meals and driving as a cab, you need company car insurance. If a car is part of the company's assets, you choose company car insurance. It does not matter whether it is a van or a passenger car, for example.
What does the premium for company car insurance depend on?
Basically, the premium for business car insurance has the same dependencies as the private policy. The number of claim-free years and forms of insurance largely determine the premium for business auto insurance. But there are more dependencies. What is important is what the business car is used for. A van used to transport employees to a location carries less risk than a van used extensively by a plumber on a daily basis. The type of vehicle also plays a role.
Are accessories co-insured?
With accessories, it is possible to divide between accessories already fitted at the factory and accessories additionally fitted to the car. A tow bar can be an accessory to be co-insured, but if it is already fitted as standard, it is part of the new value. For example, a van's special equipment for business use is a separately insurable accessory. In the commercial vehicle insurance you can include accessories as you choose. This way you can tailor the van insurance to your needs.
What are important things about policy conditions?
Reading policy terms and conditions is not the most fun thing to do. That's why we've listed the essentials. Clear and straightforward.
How does it work with claim-free years?
How many claim-free years you have can be found on your policy schedule. Not sure? Check with your insurer or intermediary. This way you avoid having your premium changed if your claim-free years were incorrect.
What supplemental insurance policies are there?
Some supplementary insurances are very useful. We explain all supplementary insurances to you. That way you can make an informed choice.
Company car damaged after working hours! What are the consequences?
You insure a company car as a business vehicle, but what if the insurance is used by an employee outside of work hours, for example? Does company car insurance provide coverage? Read more.
Private lease - What happens to accrued claim-free years?
Driving a new car has the disadvantage of having to put down a chunk of money right away. More and more people are opting for private lease, but what will happen to your accumulated non-life years? Do you also build up damage-free years during the lease period? We are happy to explain. Read more.
How can you get temporary commercial vehicle insurance?
It may happen that you need to insure a car temporarily. For example, you buy a refurbisher that you still need to drive to your house. Or you don't get your new car for another two weeks and to bridge the time gap you temporarily take a car in your name. You are obliged to insure a car you have in your name. This problem can be solved with temporary car insurance. Read more.
I use the company car for courier work. Is this possible?
Yes you can. On our courier insurance, it is also possible to insure company vehicles used as couriers.
What is cheap commercial auto insurance?
There are three forms you can choose between. The cheapest commercial vehicle insurance is the third-party insurance. From limited to increasingly comprehensive are:
You won't get out from under the third-party commercial vehicle insurance. In fact, it is mandatory. TPL insurance pays out for damage caused by the company car to others. The two more comprehensive policies also pay out for damage to your own company car.
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