What does all risk van insurance cover?
Do you want the most comprehensive van insurance? Then the all risk is the best choice for your van. In case of damage caused by your fault, your insurer will reimburse the damage.
When does all risk van insurance pay out?
Compared to the WA and the WA + limited casco, the all risk van insurance offers ample coverage. The most important addition to the other coverages is that the all risk insurance also pays for your own damages in case of an accident. Even if an accident is your fault, the insurer will pay for the damage to your van.
When do you choose all risk van insurance?
For a new van, opting for all-risk coverage is a logical one. Until what age you should keep this coverage depends on several factors. You should be aware that with more limited coverage, you will not receive a payment in the event of an accident. You may be able to recover damages from the other party, but your own insurer will not pay out. Even until a car is ten years old, you can still insure the van all risk. You will find this out by comparing. It happens that you pay more for the WA + limited casco with one insurer than for the most extensive all risk van insurance with another insurer. Comparison pays off.
WA (mandatory)
- Damage to others
- Theft,joyriding and loss
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
WA limited casco
- Damage to others
- Theft,joyriding and loss
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All-Risk (WA+Casco).
- Damage to others
- Theft,joyriding and loss
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
What is the biggest plus of all risk van insurance?
Suppose you have an older van worth €5,000. You hesitate between the WA + limited casco and the all risk van insurance. The difference in premium is €200 per year. You decide to go for the quick savings of €200 and choose the WA + limited casco. Due to slipperiness, your van slides off the road and rams a parked car. The damage to the parked car is paid for. The damage to your car amounts to €1,500. By opting for the WA + limited casco you will not receive the damage to your car. Had you chosen for the all risk van insurance, you will get your damage paid for.
Why not have to save on quality?
Saving on van insurance should be done the right way. Go for the best coverage at the lowest premium. By comparing on Alpina.nl you can put several insurers side by side in one comparison. Opting for a cheaper form of insurance may hurt yourself in the event of a claim. The premium differences between insurers are large. You have to take advantage of that. Even if your van is already insured, you can switch. After the insurance has run for one year, the van insurance can be cancelled daily.
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