What are the coverage options with van insurance?
Choosing the right van insurance coverage is crucial in the event of a claim. After all, it is the difference between getting paid for a damage or not. On the other hand, it makes no sense to overinsure your van.
Being underinsured means that the coverage in the van insurance policy is too limited. For example, you are not going to insure a new van on a third-party basis. Your van can also be overinsured. This means that the coverage is disproportionate to the daily value of the van. A van with a daily value of a few thousand euros is not going to be all-risk insured. This is not possible. Therefore, compare the various van insurance policies in order to find the right coverage.
What coverage is the right one for a van?
Do you use the car mainly privately and for commuting? In that case, private car insurance is the most logical choice. You do not always have a choice. You insure a company van on a company car insurance.
Before you can make a choice, it is important to understand the coverages you can choose between. Most insurers offer the following coverages:
When do you choose third-party car insurance?
For an older van, the other two coverages may not matter. The only question is when is an older van. Are we talking about an 8-year-old van or rather a 15-year-old van? This is closely related to the value of the van and the premium you owe for the van insurance. For a van 10 years old or more, the third-party insurance is often chosen. This insurance pays out only if there is liability damage. When causing an accident, the insurance only pays out the other party's damages. The damage to your own van is your own responsibility.
Opting for the WA + limited casco after all
Naturally, the WA + limited casco coverage also provides coverage against liability damage. In addition, the insurance also provides coverage against a number of causes of damage described in the policy conditions. These are the following coverages:
- Collision with stray animals
- Lightning damage
- Hail and storm damage
- Fire and explosion
- Window Break
This van insurance is often chosen for a van several years old until the vehicle is about 10 years old. It is only an indication, because if you can choose the all risks van insurance for a few euros extra it is definitely recommended. Even for a 10-year-old van.
Is choosing all risk van insurance best?
For a new van you choose the all risks van insurance. Also for young vans you choose this coverage until the van is too old for this coverage. When that point is reached differs for each van. This also depends on the premium difference between the all risks van insurance and the more limited coverage. This coverage offers additional coverage for damage to your own car in case of an accident caused by your fault. You can also recover damage caused by vandalism from the insurer.
Can I expand my van insurance with additional coverages?
In addition to the van insurance, you can choose additional coverage aimed at damage to the occupants (for example, the damage to passengers insurance). You can also include legal aid in your insurance and even the contents of the van can be insured with your own transport insurance.
Do you want to cancel your van insurance? All the information you need can be found here.
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