Commercial vehicle insurance
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
WA limited casco
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All-Risk (WA+Casco)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
You can insure your company car with a special company car insurance. You take out this insurance for a car that you use for business purposes and that is also registered as such in the administration. Many people find insuring a company car difficult, but actually it is not so different from taking out private car insurance. Moreover, business car insurance does not have to be expensive at all. On Alpina.nl you can compare insurances so you can insure your company car well and cheaply. This way you save on the premium, without settling for more limited coverage.
Why insure a company car?
Of course, every car needs to be insured. In the Netherlands, you are obliged to take out at least third-party insurance for a vehicle. But when do you choose for a private car insurance and when for a company car insurance?
Even in a car that is privately insured, you may drive business kilometres, for example to attend a business meeting or a trade fair. The kilometres driven can then be settled fiscally in the business administration. If you use the car as a taxi or for delivering meals, you always need company car insurance. It does not matter whether it is a passenger car or a delivery van. Is the company car only used for commuting? Then the company car does not need to be insured as such. In that case you can also insure the car privately.
What does it cost to insure a company car?
What it costs to insure a company car depends on the policyholder and the car. Comparable to a private car insurance, the costs are determined by your age, place of residence and the number of claim-free years you have built up. In addition, of course, the desired insurance coverage affects the cost. A WA company car insurance costs less per month than an all-risk cover. It is also important to know exactly what the company car will be used for. This can be for courier services, delivery of meals or as a training vehicle. The type of vehicle also plays a role in determining the premium for a company car insurance.
Frequently asked questions about insuring a company car
Am I obliged to insure a company car?
Yes, in the Netherlands you are obliged to take out at least a WA insurance for your company car. Of course, you can also choose the more extensive WA + Limited Casco or Allrisk company car insurance. Whether you need a company car insurance or a private car insurance depends on the use of the car. Please read more.
How much is depreciation in commercial motor insurance?
In case of a claim on the company car insurance, the daily value and thus the depreciation are also considered. The value of the company car on the balance sheet does not have to correspond with the current value that is assumed in case of damage. Please read more.
What additional coverages are there for commercial motor insurance?
When insuring a commercial vehicle, you can choose from the following additional coverages:
- Accident insurance
- Indemnity insurance
- Legal aid
- Roadside assistance
- Own transport
What cover does commercial motor insurance have?
You can choose from three different types of cover for insuring your company car. These are:
The third-party insurance is the minimum coverage. It insures you for damage you cause to another person. To insure your own car in case of damage you have to take out an extended coverage, like the WA + Beperkt Casco or the Allrisk-coverage.
Compare commercial vehicle insurance
Comparing commercial vehicle insurance is very easy. You can use our online comparison tool. You enter a number of details about yourself and your car which determine the level of the premium. These include the desired coverage, your age, where you live and your claim-free years. You will then receive an overview of all insurances that meet your wishes, including the corresponding premiums. This way, you can easily compare price and content.
Calculate commercial vehicle insurance
Calculating company car insurance is based on a number of factors. You don't have to work with figures and premiums yourself, you can simply do this online at Alpina.nl do this. An important factor in calculating the premium of a company car insurance is choosing the coverage. Will you go for basic third-party insurance or will you opt for comprehensive all-risk coverage? When making this decision, you should especially consider the age and daily value of your car. Is your company car already a bit older? Then a third-party insurance policy may be sufficient. Do you have a very new or expensive company car? Then more comprehensive coverage may be wise.
Private insurance of company car
If you use the company car mainly for private use and commuting, you can also take out private motor insurance. However, this is not always possible. With the word company car, people often think of a delivery van, but a company car can also be a passenger car. A vehicle is a company car if it is registered as such in the accounts of your company. A company van must be insured with a company car insurance.
Commercial vehicle insurance ZZP
Do you drive a lot of kilometres for your work? Then buying a company car might be a good idea. As a self-employed person, you can also insure a company car. For example, the delivery van that you use for your catering activities. Or the company van that you use every day as a self-employed worker in the construction industry. By purchasing a company car through your company, you can save a lot of taxes. If you buy the company car privately, you cannot deduct the insurance as an expense.
Company car insurance courier
As a courier, you obviously use a company car a lot, so it is important that you are properly insured. For this you can take out special courier insurance. This insurance is special for company cars that are used as courier services. Compared to van insurance, courier insurance is an expensive insurance, though. The risk is relatively high, hence a higher premium. At Alpina.nl , we can offer affordable courier insurance.
Insuring a company car cheaply
We have affordable insurance for every company car. How cheap you can insure your company car depends for example on the coverage you choose, but also on the type of vehicle you want to insure. Insurers are, for example, not so eager to insure a company car that is used for courier services, because accidents are relatively more common with these vehicles. Therefore, they charge a higher premium. By using our online comparison tool, you can find the cheapest insurance for your company car within minutes.
Insuring a commercial vehicle online
At Alpina.nl you insure your commercial vehicle very easily online. To do this, all you have to do is enter the registration number of your company car. After this, quite a few details will be asked. Based on this data, the insurance premium will be calculated. Then you will get an overview of all insurance policies that fit your company car and your personal situation. Do you see an offer that appeals to you? Then you can take out the insurance directly online.
Insure commercial vehicle directly
Insure your car directly on Alpina\.nl. Nothing is more annoying than having to wait a long time for confirmation or coverage. While taking out insurance, keep the following items handy:
- The registration number
- Your claim-free years
- The registration code of the car
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