Why do you need occupant insurance?
Indemnity passenger insurance is similar to accident passenger insurance, but the premium is higher and the coverage much more comprehensive.
Passenger indemnity insurance pays out in the event of damage to the occupants of your van. The damage must have been caused by an accident. It can be either personal injury or property damage.
Why is indemnity passenger insurance useful?
The occupants can hold the at-fault party liable for damages in the event of damage. Theoretically this is true, but in practice things often turn out differently. These are often proceedings that take years. Liability can also be unclear. Who can you turn to? With indemnity passenger insurance, the question of fault is not considered.
The situation is different for the driver of the van. If he or she is liable for the damage, the insurance company will not pay out. After all, you cannot hold yourself liable for damage you have caused yourself.
How does this differ from accidental occupant insurance?
Extending the van insurance with the damage passenger insurance instead of the accident passenger insurance is recommended. The damage passenger insurance also pays for material damage. Think of a phone damaged in an accident. For example, in case of disability, a lump sum of €15,000 does not follow, but the insurance bears the actual costs. If the income of the disabled occupant is lost, the damage passenger insurance provides compensation.
When does indemnity passenger insurance pay out?
Benefits follow after an accident. If this has caused damage to one of the occupants, the insurer pays out. Damage to the car itself is obviously not covered. This includes, for example, damage to hand luggage or any medical expenses resulting from the accident.
Is indemnity passenger insurance recommended?
For a low premium, you can insure a large risk. There is overlap with, for example, health insurance and third-party van insurance insofar as the driver of the van is at fault for the accident. For the driver, the insurance offers added value. In the case of permanent disability, it makes quite a difference whether or not claims passenger insurance is taken out.
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