Additional coverages with van insurance
After comparing van insurance, the next step is to purchase additional insurance.
What supplemental insurance do you need?
In addition, you can choose from several other supplemental insurance policies, namely:
- Accidental occupant insurance
- Indemnity insurance
- Recourse and legal aid
- Breakdown assistance
- Own transportation
Why choose accident occupant insurance?
In an accident, occupants may suffer serious bodily injury. For permanent disability resulting from the accident, the insurer pays €15,000. In the event of death due to an accident, a payment of €5,000 follows. You can think of it as an allowance for expenses. The payment does not depend on the question of fault. There is also a benefit for the driver in case of disability or death. Even if he or she is the perpetrator of the accident.
Still opting for no-fault passenger insurance
Compared to accident-occupant insurance, the coverage in damage-occupant insurance is much broader. This insurance does not pay out a fixed amount in case of disability, but bears the actual costs of the occupant. You can think about the cost of modifying your home, as well as loss of income. This can total hundreds of thousands of dollars or even more. Even in case of material damage, the indemnity passenger insurance pays for the damage.
Do you want insurance for legal help?
With recourse legal assistance, you choose insurance that takes care of recovering your damages from the other party. You choose legal expenses insurance for broader coverage. In that case, for example, you also get legal assistance in disputes with a car dealer or in a dispute with a government agency regarding the van. In a dispute the costs can be high, but with legal assistance insurance you don't have to worry about that.
Added value of insuring roadside assistance
After an accident, you get help from the insurer if your car needs to be towed away, for example. In case of roadside breakdown, regular van insurance does not offer assistance. For roadside assistance, you can turn to the ANWB and Route Mobiel, for example. Insurers have also discovered this market and can often offer the extra service for a low additional premium.
Insuring the stuff in your car
If your van has WA + limited casco or more comprehensive insurance, you will be paid the value of the van in the event of theft. The belongings in the van are not part of this. These must be insured separately. This can be done with the additional insurance own transport. When you choose this additional insurance, the belongings in the van are insured up to €5,000.
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