Home Commercial Vehicle Insurance... Additional coverages with commercial vehicle insurance

Additional coverages with commercial vehicle insurance

In addition to company car insurance, you can choose additional insurance. These are additional coverages that can add value in the event of damage, a dispute or breakdown on the road. Whether these insurances are necessary depends on your needs.

After comparing and calculating your commercial vehicle insurance, you are faced with the next choice. Do you need additional insurance? You can choose between the following additional coverages:

What does accident passenger insurance offer?

An accident can leave occupants permanently disabled or dead. Accidental occupant insurance then provides a lump sum benefit. The benefit is not sufficient to compensate the injured party in case of permanent disability. In fact, the benefit amounts to €15,000. It is intended as an allowance for expenses. The accidental death benefit is €5,000. This amount is paid to the deceased occupant's next of kin. The driver himself is also considered one of the occupants.

Indemnity passenger insurance coverage is broader

Compared to accident passenger insurance, this insurance offers very broad coverage. In addition to bodily injury, this supplemental insurance also pays out for material damage to the occupants' belongings as a result of the accident. The injury benefit is also much broader. For example, a disability benefit follows that allows the injured person to resume his or her life, to the extent possible. Home modification benefits follow, but that is not all. Loss of income from the accident and injury can also be claimed from the insurer.

Insuring legal aid

With respect to traffic or mobility, you may find yourself in the position of needing legal help. The costs can be high, but that is not such a problem if you are insured for it. Legal expenses insurance can bear the legal costs for you. Another variant is recourse legal assistance. This insurance helps you recover the costs from the person who caused your damage.

Insuring your commercial vehicle for roadside assistance

It can happen to anyone. You're about to drive home again, but the car won't start. If you choose the supplementary insurance breakdown assistance, the insurer will arrange for help to get you back on the road. If that fails, your car will be towed away. You do not have to bear the cost of this yourself. You are insured for that.

Choosing your own transportation insurance

You can insure your company car against theft, but this coverage applies only to your car. The belongings in the car are not insured, but they can be. By choosing the own transportation insurance, the items in your car are also insured up to a value of €5,000.