Supplements to van insurance

Accidental occupant insurance

An accident can result in serious injury or death. Accidental occupant insurance provides lump sum compensation in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount. In case of disability, the benefit is not sufficient to make up for the loss of income due to the disability. Most policies involve a benefit of tens of thousands to about a hundred thousand euros, and in the event of death, a lower amount is insured. Basically, you can determine the number of people you want to insure.

Occupant damage insurance

This insurance is more expensive than passenger accident insurance, but the coverage is also much broader. In addition to paying out for personal injury, this insurance also pays out for property damage resulting from an accident. For example, there is coverage for damage to passengers' belongings. In terms of personal injury, passenger indemnity insurance is also much broader. Both the driver and the passengers are paid the actual damages suffered. Suppose a passenger becomes disabled due to an accident with the van. From the passenger indemnity insurance follows a payment whereby the injured party is fully compensated. This can total hundreds of thousands of euros in the event of permanent disability.

No-claim protection

With the no-claim protector you can protect the discount built up in the van insurance. If you choose this additional insurance, you can claim one time a damage on the van insurance without it being at the expense of the accumulated discount. The claim on the insurance does reduce the number of claim-free years, but the discount is artificially maintained. Do you switch to another insurer? Then the advantage expires. This is because the new insurer uses the actual accumulated claim-free years.

Protecting rights with supplemental insurance

You can also choose to protect your rights with insurance that provides legal help. Not in all cases is this additional insurance recommended.

Breakdown assistance

Breakdown assistance after an accident is covered as standard in your van insurance policy. More and more insurers want to go a step further by also offering roadside assistance as an addition to the van insurance. This coverage you can for example also expand with roadside assistance abroad. Make sure you are not double insured for roadside assistance. For new vans, there is often a similar service from the van brand.

Recourse legal expenses insurance

In some situations, you have to make your claim to the person who caused the damage. Normally this is not necessary with the most extensive WA casco insurance. The insurer will pay for the damage to your van itself. If your van is WA or WA limited casco insured, recovering your damage from the other party is not insured. For this you can take out legal assistance insurance. After damage, the insurer will take care of recovering your damages.

Legal expenses insurance for motor vehicles

This insurance also takes care of recovering damages from the perpetrator, but the coverage is broader than the recourse legal expenses insurance. You can also use the insurance for a dispute with a van dealer, for example. Or with the garage because there is an issue about repair costs. You can even use this insurance for legal help for criminal prosecution due to an accident. However, there may be specific requirements for using the motor vehicle legal expenses insurance.