Frequently asked questions about van insurance

Often, company cars and passenger cars used for business purposes can be insured on a van insurance policy exclusive of VAT. Company cars purchased (new) after July 1, 2005 can also be insured excluding BPM in many cases. This results in a significantly lower premium because the insurance company assumes a lower value.

This does mean that in the event of a claim, the insurance company will also pay out exclusive of VAT and/or BPM.

When can I offset VAT?

For example, you can deduct VAT on the (purchase of a) business car from your own business. When making a comparison, you will be asked whether you can deduct VAT. When you answer 'yes' to this question, the original list value (and thus the insured value) is automatically reduced by the VAT. You will then not have to pay any premium on the VAT amount. Of course, any claim payment will also be paid out exclusive of VAT. As a private individual, in principle, you cannot deduct VAT.

The insurance premium is not subject to VAT but to insurance premium tax. You cannot deduct the insurance tax you have to pay.

Click here for more information on VAT and BPM.

Yes you can. On our van insurance it is also possible to insure vans used as courier services.

In certain cases, it matters for van insurance what items you are transporting. Transporting flammable materials or theft-sensitive goods can affect the premium. We therefore recommend that you indicate this when you take out van insurance. This way you can avoid problems in case of damage.

Van insurance is designed for commercial vehicles (gray license plates) with an unladen weight of up to 3,500 kilograms.

Coverage for damage to transported items can be co-insured fairly easily and for a small premium on van insurance through transport coverage.