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Klusbus alert: Transport cover for tools is a must!

You are a self-employed person and one morning you are shocked to discover that your van, which is always parked in the driveway at night, has been completely robbed. The thieves unlocked the doors by smashing a side window and then made off with all your stuff. You estimate that between 5000 and 7000 euros worth of tools have been stolen. You have a WA insurance with limited casco, but when you call the insurance company to report the damage, you hear that your tools are not insured. How does that work?

Confusion about insurance coverage

With limited casco or all-risk business insurance, the damage to the delivery van caused by burglary is covered. But what is stolen from the van or damaged is not. Sometimes 'non-car related items' such as sunglasses or a child's seat are covered by the insurance. This may lead you to believe that your policy also covers the business contents of your van. This is not the case. It only covers private possessions. After all, you can also drive your business vehicle privately. For your valuable business tools or instruments you should therefore take out an additional transport cover.

Business travel cover

With your company car insurance or van insurance you have the option to take out a transport cover. This extra transport coverage, from approximately 10 euros per month, makes sure that the tools that are in your car are always insured. Against theft but also in case of accidental damage. So whether in your driveway at home or on the way to or from a customer. You determine the insured amount yourself. Of course, in the case of burglary, there must be clear signs of break-in in order to make a claim.

Need advice?

We at Alpina.nl recommend that all self-employed people who drive around with a company car full of valuables get business car insurance with extra transport coverage. For only a few dollars a year, you will be well insured on the road and you will not be faced with any nasty surprises. Check our website www.alpina.nl and easily calculate which insurance is right for you. Need help? No problem. Contact our customer service.

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