Working as a freelancer? And do you own a car? Then you’re required to insure it at least for Third Party Liability. But when should you choose a personal or business car insurance? We’ll guide you in four steps.
"}},{"componentType":"sectionTitle","title":"Step 1: Company car or not?"},{"componentType":"paragraph","richBody":{"value":"Are you an entrepreneur? You can usually decide whether your car belongs to your business assets or your private assets.
Please note:
If you decide to register the car in your company’s name? Then it becomes part of your business assets. In that case, you always insure your company car with a company car insurance – whether you’re a freelancer or an SME makes no difference. Read more about this on the Dutch tax Authority website.
"}},{"accordionList":[{"richBody":{"value":"Don’t have a car on your company balance sheet? But do you use your private car for business? For example, driving to a client, supplier or workplace as a freelancer? Then you insure that car with a personal insurance and you can claim mileage allowance:
Important: You must keep a mileage log, as the Tax Authority requires proof that the kilometres were genuinely for business. Don’t forget to keep this record for at least 7 years!
Note: Always check the terms of your personal car insurance to be sure what coverage you have.
"},"title":"Tip if you use your private car for business"},{"richBody":{"value":"Looking into car insurance? Freelancers come in all shapes and sizes. Here are a few examples:
Whether you need a business car insurance policy depends on factors like the type of car, your income, and how many kilometres you drive for work versus privately. Consult your accountant or advisor to find the best fit for your situation.
"},"title":"Car insurance for the self-employed: examples"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Step 2: Choose a car insurance policy for self-employed professionals"},{"componentType":"paragraph","richBody":{"value":"Do you have a business current account with ING? Then, as a freelancer, you can easily apply for a business car insurance policy through us. With a competitive premium and favourable terms.
"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/530d3040f14a6d8/original/BB-Insurance-only-portrait-of-young-man-using-mobile-phone-while-sitting-in-car.JPG","transformBaseUrl":"https://assets.ing.com/transform/6581ff6b-f0fb-4d6b-8a6d-7faf5f805d1f/BB-Insurance-only-portrait-of-young-man-using-mobile-phone-while-sitting-in-car","type":"image","width":1700},"intro":"Especially for business passenger cars","link":{"url":"/en/business/insurance/ing-company-car-insurance"},"title":"The company car insurance of ING"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/7e037453e0b29956/original/BB-Insurance-only-Woman-steps-out-van-switch.jpg","transformBaseUrl":"https://assets.ing.com/transform/6f47ef63-8c5a-4158-92df-bde6673078ea/BB-Insurance-only-Woman-steps-out-van-switch","type":"image","width":1700},"intro":"Also suited for grey number plate","link":{"url":"/en/business/insurance/ing-company-van-insurance"},"title":"The company van Insurance of ING"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/773d916fca9c9aee/original/Man-and-woman-in-a-car.jpg","transformBaseUrl":"https://assets.ing.com/transform/4efb165a-121f-4084-a91c-55198d0db8b7/Man-and-woman-in-a-car","type":"image","width":1920},"intro":"As self-employed you need: a personal account at ING","link":{"url":"/en/personal/insurances/car-insurance"},"title":"ING Car insurance (personal)"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Step 3: Choose your car insurance coverage"},{"componentType":"paragraph","richBody":{"value":"Every car in the Netherlands must have at least third-party liability (WA) insurance, and that includes your (business) car. Decide what level of coverage suits you best, so it fits your business needs:
The best coverage for you as a freelancer depends on the age and value of your business car, and your personal preferences. For extra peace of mind, there are optional add-ons. Make sure you choose what fits your situation.
Often, only business car insurances offer extra coverages designed for entrepreneurs. With the Company van insurance of ING you can add Contents insurance to insure your products, building materials and tools in your van.
"},"title":"Car insurance coverage: tips for freelancers"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Step 4: Deduct your car insurance costs"},{"componentType":"paragraph","richBody":{"value":"According to the Dutch Tax Authority, the premium for your company car insurance can be deducted from your turnover. This helps reduce your costs as a freelancer.
Do you also use your private car for business purposes? Then the premium for your private car insurance is not deductible. This is partly offset by the mileage allowance.
Check what applies to your situation on the website of the Dutch Tax Authority.
"},"textLinks":[{"text":"Tip: Tax rules for business driving (Dutch only)","url":"/zakelijk/financieren/lease/auto-van-de-zaak/fiscale-regels-zakelijk-rijden"},{}]},{"accordionList":[{"richBody":{"value":"Insuring a company car through ING? That's a smart move.
At ING, we want to help business customers make informed decisions. That's why we compare the premiums for ING Business Car Insurance and Business Van Insurance against comparable products available in the market every month. ING acts as an intermediary for Allianz Direct's business insurance products.
Our analysis shows that business customers with an ING policy could save an average of €480 per year on their business car insurance premium compared with comparable products offered by other insurers. This average is updated monthly based on the latest market data. Comparable products are defined as business car and van insurance policies with similar levels of cover, excesses, terms and conditions, and target customer groups.
Learn more about ING's partnership with Allianz Direct
Please note: This comparison is provided for informational purposes only and does not constitute personal advice or a recommendation. The comparison is based on average premiums and may differ from individual quotations depending on specific customer details and risk profiles.
While ING aims to ensure that the comparison is accurate and up to date, no rights can be derived from the information presented. ING accepts no liability for any inaccuracies or for any decisions made based on this comparison.
We do not name specific competitors and only compare equivalent products to ensure the comparison remains fair, transparent and in line with applicable requirements for comparative advertising. Please note that there may be a delay in reflecting the latest market developments. Where relevant changes occur, we aim to incorporate them into our comparison within one month. Product terms, conditions and premiums may change in the future.
Source: Rolls Benchmark
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