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The Dutch insurance marketThis page is about: delivery van insurance 
delivery van insurance in HollandDefinition delivery van: Delivery vans are motor vehicles that are mainly designed for the transportation of goods and that have a maximum mass of 3500 kg or less (8000 lbs). In the Netherlands, a delivery van has to meet a number of requirements to be registered as such for the vehicle taxes and to be eligible for the reduced tax tariff. Whether your van is eligible is not dependent of the color of your vehicle registration (yellow or grey). The Dutch Tax Department sees a motor vehicle as a delivery van when the vehicle complies with a number of general and specific demands. General demands Your delivery van must comply with the following to be eligible for the reduced tax tariff: The loading space must be completely covered with a fixed, flat loading floor that covers the entire width and length of the loading space. There cannot be seats in the loading space. Coverage There are three types of coverage: Liability (WA in Dutch); Limited Body; Complete body (all risk insurance). Liability (WA) As the owner of a passenger vehicle you are obligated by law to insure your car for liability. The liability insurance covers damages inflicted with your car to people or property. Damage to your own car is not insured. Limited Body This insurance covers damages as a consequence of a number of named occasions such as fire/explosion, theft, window breakage, storm/nature and collisions with animals. This insurance is usually effected for vehicles that still have a high market value (four to eight years old). Limited body has a franchise. Some insurance companies give you the possibility to buy off that franchise. Also you can sometimes choose for a higher franchise, which means a lower premium. Complete body This type of insurance covers, besides the limited body insurance, also damage to the won vehicle (even when you are the instigator). This insurance is usually effected for cars up to four or five years old. Most companies use a replacement value arrangement. In general, during the first year the replacement value is completely covered. After the first year a depreciation arrangement follows. Complete body insurance also has a franchise. Some insurance companies give you the possibility to buy off that franchise. Also you can sometimes choose for a higher franchise, which means a lower premium. Complementary insurances Insurance companies offer various complementary insurances: Casualty passengers insurance Damage passengers insurance Legal assistance insurance Traffic legal assistance insurance These additional insurances are calculated in the comparison. (C) 2006 Hypotheek Rekenmodules.nl
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