What is the accidental occupant insurance for company car insurance?

The accident insurance is a frequently chosen supplementary insurance. In the event of permanent disability and death due to an accident with the company car, the insurance pays out a lump sum.

Drivers who often take passengers with them often opt for accident passenger insurance. An accident resulting in serious injury or death is terrible if it happens to you and your passengers. With the insurance you can at least ensure a small financial compensation for the suffering caused.

When is the accident passenger insurance paid out?

In case of permanent disability and death of a passenger due to an accident, the insurer pays out. It can be a passenger, but also the driver. The question of guilt is not relevant here and the payment can be made quickly.

How much is the benefit?

In case of permanent disability, the insurer pays a one-off sum of €15,000. In the event of death, a payment of €5,000 follows. The amount applies per passenger. The maximum number of insured passengers depends on the number of seat belts in the company car. If there are four seatbelts in the company car, the maximum payment will be for four people.

Is the accidental occupant insurance a must?

There can be a discussion about the necessity of this insurance. The payment from the supplementary insurance is only limited and often the person who caused the accident can also be held liable for financial compensation of the suffering. The advantage of the accident passenger insurance is that a payment follows for the driver. Even if the driver himself is responsible for the accident. In that case there is no insurer to pay for the damage. It must also be said that the insurer can quickly make a payment. This is because the question of guilt is not relevant.

Passenger insurance as an alternative

The slightly more expensive passenger indemnity insurance offers better cover than the accident indemnity insurance. In the event of injury, the actual costs are borne by the insurer. Even if there is no permanent disability. The payment is therefore not limited to €15,000. The passenger indemnity insurance also provides compensation for material damage. So this is the more expensive, but better alternative.