Your vehicle keeps your business moving. Protect it with the right cover, arrange everything online in minutes and choose from a range of insurance options tailored to your business.
Please note: This insurance is specifically designed for cars. If you drive a van or a light commercial vehicle (for example, a vehicle registered as a commercial vehicle), please view our Van Insurance instead to ensure you have the right cover: Get you van insured now.
"},"title":"What kind of company car insurance is right for you?"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Company Car Insurance is particularly suitable if you mainly use your car for business purposes, such as:
Read more about your options for business driving
This insurance is designed for passenger cars used for business purposes. Do you drive a company van or a vehicle with a commercial registration plate (registration starting with B or V)? You can insure your vehicle with a separate Company Van Insurance policy.
Please note: If you use your vehicle for courier services, driving lessons, vehicle rental or as a taxi, you are not eligible for Company Car Insurance.
"}}],"title":{"value":"When is Company Car Insurance right for you?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Company Car Insurance for Self-Employed Professionals"},{"componentType":"paragraph","richBody":{"value":"As a self-employed professional (zzp), your vehicle helps keep your business on the road. Whether you're visiting customers, travelling to appointments or transporting tools and materials, the right insurance gives you peace of mind. Choose the cover that suits your business, arrange it online in minutes and benefit from insurance that's designed for entrepreneurs.
Find out what to consider when choosing the right Company Car Insurance for your business.
"}},{"componentType":"sectionTitle","title":"Which type of cover is right for your vehicle?"},{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"Calculate premium in My ING Business","url":"/en/business/insurance/request-car-insurance"}},"title":"Third-Party Liability","usps":[{"body":"Covers damage to third parties","iconType":"check-mark"},{"body":"24/7 claims assistance (including outside the Netherlands)","iconType":"check-mark"},{"body":"Help with recovering losses","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Calculate premium in My ING Business","url":"/en/business/insurance/request-car-insurance"}},"title":"Limited Comprehensive","usps":[{"body":"Covers damage to third parties","iconType":"check-mark"},{"body":"24/7 claims assistance (including outside the Netherlands)","iconType":"check-mark"},{"body":"Help with recovering losses","iconType":"check-mark"},{"body":"Fire and explosion","iconType":"check-mark"},{"body":"Break-in and theft","iconType":"check-mark"},{"body":"Storm, hail and flood","iconType":"check-mark"},{"body":"Damage caused by animals","iconType":"check-mark"},{"body":"Damage to windscreen","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Calculate premium","url":"/en/business/insurance/request-car-insurance"}},"title":"Fully Comprehensive","usps":[{"body":"Covers damage to third parties","iconType":"check-mark"},{"body":"24/7 claims assistance (including outside the Netherlands)","iconType":"check-mark"},{"body":"Help with recovering losses","iconType":"check-mark"},{"body":"Fire and explosion","iconType":"check-mark"},{"body":"Break-in and theft","iconType":"check-mark"},{"body":"Storm, hail and flood","iconType":"check-mark"},{"body":"Damage caused by animals","iconType":"check-mark"},{"body":"Damage to windscreen","iconType":"check-mark"},{"body":"Collision","iconType":"check-mark"},{"body":"Vandalism","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Third-Party Liability,Limited Comprehensive,Fully Comprehensive"},{"componentType":"sectionTitle","title":"Extend your business vehicle insurance with optional add-ons"},{"componentType":"paragraph","richBody":{"value":"Below is an overview of the optional coverages you can add to your company car insurance and what extra protection they provide. Looking for more detailed information? Please refer to the policy terms and conditions.
"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"Roadside assistance, replacement transport or and towing services. Count 24/7 on the breakdown service in the Netherlands and Europe, even if you drive electric.","link":{"url":"/en/business/insurance/breakdown-assistance"},"title":"Breakdown assistance"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"Cover the driver and all passengers if they are involved in a collision. Personal items that were in the vehicle are also covered.","link":{"url":"/en/business/insurance/occupant-insurance"},"title":"Occupant insurance"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"A legal dispute concerning your company vehicle or a traffic incident? You will receive legal advice and assistance from the Dutch Legal Assistance Foundation.","link":{"url":"/en/business/insurance/legal-assistance"},"title":"Legal assist"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"With Garage choice coverage, you can choose the garage you have been visiting for years, the brand dealer or the garage around the corner.","link":{"url":"/en/business/insurance/garage-choice"},"promoText":"Only with Limited Comprehensive or Fully Comprehensive","title":"Garage choice"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"In case of theft or total loss you will normally get the standard value based on the price list. With this coverage you get the total purchase value up to three years after purchase.","link":{"url":"/en/business/insurance/extended-new-for-old"},"promoText":"Only with Fully Comprehensive","title":"Extended new-for-old insurance"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"If you purchased your company car from an official dealer in the Netherlands or BOVAG garage you get the whole purchase value back in the first 3 years.","link":{"url":"/en/business/insurance/extended-purchase-value"},"promoText":"Only with Fully Comprehensive","title":"Extended Purchase value insurance"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"How to take out the company car insurance"},{"body":"You can take out company car insurance in My ING Business or your ING App.","componentType":"applicationProcess","steps":{"stepList":[{"body":"Everything is already filled in for you","title":"Check your details"},{"body":"Please also provide the details of the driver(s)","title":"Enter your licence plate"},{"body":"Also add any optional extras","title":"Choose your coverage"},{"body":"Once you’re happy, submit the application","title":"Check everything again"},{"body":"You should see your insurance documents in My ING Business or the ING App","textLink":{"text":"Read more about automated decision making","url":"/en/business/insurance/automated-decision-making"},"title":"You see immediately if you’re covered right away!"}]}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"In the following situations, your company car is not insured, and it's important to be aware of this:
What is not covered by company car insurance?
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Do you use the same car for both personal and business trips? With ING, you can insure your private car for business use as well. This is ideal if you frequently travel for work and want to be fully covered during business-related journeys. One policy keeps everything clear and easy to manage.
A business insurance policy can also be financially beneficial, as certain car expenses may be tax‑deductible. Keep in mind that premiums can be higher due to more intensive use, and private use by family members is generally not covered. Make sure this setup fits the way you — and your family — use the car.
"}},{"componentType":"paragraph","richBody":{"value":"A business car insurance policy is the right choice when you primarily use your car for work — for example, client visits, project locations or transporting materials. Do you only drive for business occasionally? In that case, a private policy with an additional business-use module may be a better fit. Business insurance becomes worthwhile when business trips make up the majority of your driving or are a consistent part of your job.
"},"title":"When to insure your car for business use"}],"title":{"value":"Insuring your private car for business use
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"A business vehicle insurance policy may offer tax benefits. If the vehicle is registered in your company’s name, the insurance premium can often be deducted as a business expense. Other vehicle-related costs, such as maintenance and fuel, may also be eligible for business tax treatment. The benefits available to you will depend on factors such as your personal circumstances, the vehicle, and your business structure. Always check the latest guidance from the Dutch Tax Administration or consult your accountant.
"}}],"title":{"value":"Tax advantages of business vehicle insurance
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"With ING Business Vehicle Insurance, you can insure up to 10 company vehicles under your business. If one of your vehicles is taken off the road for a period of time, you can pause the policy for up to 6 months. Your no-claims discount years will continue to accrue during this period.
Replacing a company vehicle? You can easily insure the new vehicle, and the previous policy will be cancelled automatically. You can arrange this quickly via My ING Business or the ING App.
"}}],"title":{"value":"Insure multiple compay vehicles
"}},{"paragraphs":[{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/asset/58141aa7-9610-4cb1-bf1e-bf9dd7ed51e5/electriccarcable.svg","transformBaseUrl":"https://assets.ing.com/transform/58141aa7-9610-4cb1-bf1e-bf9dd7ed51e5/electriccarcable"},"componentType":"paragraph","richBody":{"value":"Heb je schade aan een elektrische bedrijfsauto? Dan is dat ook gewoon verzekerd. Ook je laadkabel valt hieronder. Voor alle pech- en schadegevallen geldt dat als dit al is geregeld door de fabrikant van jouw auto, je eerst contact met de fabrikant opneemt. Neem dan eerst contact op met de SOS-dienst van je automerk.
Ook dan ben je verzekerd en word je naar een oplaadpunt gebracht. Wordt een lege accu al geregeld door de fabrikant van jouw auto? Neem dan eerst contact op met de SOS-dienst van je automerk.
"}},{"componentType":"paragraph","richBody":{"value":"You’re covered in that situation as well. Assistance will be arranged to take you to the nearest charging point. If support for a flat battery is already provided by your vehicle manufacturer, please contact your vehicle brand’s roadside assistance service first.
"},"title":"What should I do if my electric vehicle runs out of charge?"}],"title":{"value":"Insuring an electric company car
"}}],"componentType":"actionAccordion"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/55a8b99e-9585-48ce-a1b0-c2b23363bfbc/Hand-thumb-up-watch-checkmark.svg","transformBaseUrl":"https://assets.ing.com/transform/55a8b99e-9585-48ce-a1b0-c2b23363bfbc/Hand-thumb-up-watch-checkmark","type":"image","width":131},"link":{"url":"/en/business/insurance/transfer-service"},"title":"We’ll help switch your insurance free of charge"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/fa5bb156-5a17-455e-b604-6a0dc02854d0/Car-insurance-business-van-broken-scene.svg","transformBaseUrl":"https://assets.ing.com/transform/fa5bb156-5a17-455e-b604-6a0dc02854d0/Car-insurance-business-van-broken-scene","type":"image","width":1200},"link":{"url":"/en/business/insurance/ing-company-van-insurance"},"promotionalLabel":{"labelType":"commercial"},"title":"Driving a van? Check out our van insurance"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"We cooperate with the insurer Allianz Direct, and where necessary with other insurers within Allianz Group. You can apply for an insurance, change your coverage or make a claim in My ING Business or the ING App. This insurance is underwritten by Allianz Direct, which means that they will collect your premium and pay out any successful claims.
Terms and conditions
See below our cooperation document and the terms & conditions. Please review these documents carefully and save them on your device.
Sometimes it takes a little longer to review your application, but we’ll keep you up to date. If we cannot insure your business, we will tell you straight after you apply.
"},"textLinks":[{"text":"Not yet a business customer with us? Open first a Business current account."}]},{"componentType":"sectionTitle","title":"Reporting damage to your company vehicle"},{"alignedImage":{"position":"right","extension":"jpg","original":"https://assets.ing.com/asset/e475bd46-f81e-41fa-a54b-8700f88e78ab/Carfair26-banner-2.jpg","transformBaseUrl":"https://assets.ing.com/transform/e475bd46-f81e-41fa-a54b-8700f88e78ab/Carfair26-banner-2"},"componentType":"paragraph","richBody":{"value":"Has your company vehicle been damaged? Report it straight away via My ING Business or the ING App. Select your ING Business Vehicle Insurance policy and click ‘Report damage’, or read more about the claims process.
Once your claim has been submitted, your vehicle can be repaired by Topherstel. If you only have third-party liability (WA) cover, or if the damage is not covered by your insurance, you can still benefit from Topherstel’s repair service and support. In that case, the repair costs will be charged directly to you.
Please note that making a claim may affect your no-claims discount years and your premium. Read more about no-claims discount years and how they work.
"},"textLinks":[{"text":"Report damage","url":"https://mijnzakelijk.ing.nl/banking/content/business/products/insurance/company-car-insurance"},{"text":"Find a Topherstel","url":"https://www.allianzdirect.nl/ing/topherstel/"}]},{"accordionList":[{"richBody":{"value":"Want to know more about no-claims discount years? Read our detailed guide below and find out how they can affect your premium.
"},"textLinks":[{"text":"Read about no-claims discount","url":"/en/business/insurance/ing-no-claims-bonus"}],"title":"How do no-claims discount years work?"}],"componentType":"accordion"},{"componentType":"highlight","richBody":{"value":"If you can deduct VAT on your vehicle, this also saves a lot on your car insurance. The premium is based on the catalogue price of your vehicle, excluding VAT. Any claims paid out then also exclude VAT.
"},"title":"Can you deduct the VAT from your car insurance?"},{"richBody":{"value":"With company car insurance of ING, you can insure up to ten vehicles. If you discontinue using one of your vehicles for a certain amount of time, you can pause the policy for up to six months. Your no-claims bonus will continue during this period.
If you replace one of your company vehicles, it’s easy to start insuring your new vehicle, which automatically cancels coverage for your old one. You can do this in My ING Business or the ING App.
"},"title":"Multi-vehicle insurance"},{"richBody":{"value":"We also provide coverage for electric vehicles used for business, including the charging cable. If your battery runs out, you’ll be towed to a charging point. For all breakdown and damage claims, contact your manufacturer first if they specify this.
"},"title":"Electric Vehicles for business covered too"},{"richBody":{"value":"For Fully Comprehensive coverage, you can choose your own deductible: €0, €250, €500 or €1,000. For Limited Comprehensive or Third-Party Liability coverage, the standard deductible is €0.
"},"title":"What deductible would I have to pay?"},{"richBody":{"value":"A no-claims bonus is built up either in your own name or in your company’s name. If your vehicle suffers damage caused by somebody else, this is usually covered by the party liable. If you succeed in claiming against the other party, it will not affect your no-claims bonus.
If you are liable for any damage yourself, this will affect your no-claims bonus and your premium will rise. Sometimes it’s cheaper to pay for minor damage yourself. If you make a claim with Allianz Direct and pay back the amount paid out to you within 12 months, you will get your no-claims bonus back.
"},"textLinks":[{"text":"Read more about the no-claims bonus","url":"https://www.allianzdirect.nl/ing/schadevrije-jaren/"}],"title":"How does a no-claims bonus work with a company car insurance policy?"},{"richBody":{"value":"If your vehicle is registered to your company or to you as a sole proprietor, you will need a company car insurance policy. This also covers personal use of your company vehicle. But please note it usually does not work the other way round, i.e. car insurance for individuals often excludes company use.
"},"title":"Does my company car insurance also cover personal use?"}],"componentType":"accordion"},{"componentType":"cta","microCopy":"*You can calculate your premium in My ING Business","textLink":{"text":"Calculate your premium","url":"/en/business/insurance/request-car-insurance"}},{"componentType":"linkList","iconTitle":{"icon":{"extension":"png","original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500},"title":"Also interesting for you"},"textLinks":[{"text":"All about business insurances","url":"/en/business/insurance"},{"text":"Company van insurance","url":"/en/business/insurance/ing-company-van-insurance"},{"text":"Manage your insurances","url":"/en/business/insurance/my-business-insurances"}]}]},"hasMacro":false,"id":"897fbff2-3e9c-424d-ade4-deb8cc6133f2","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business insurances","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Get the right cover for your business vehicle quickly and easily, with savings that make a real difference.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/1bf4d106-44cd-4456-a96d-bdec859c435d/Large_Web-and-Screen-Two-female-mechanics-working-on-a-car-in-a-garage.jpg","transformBaseUrl":"https://assets.ing.com/transform/1bf4d106-44cd-4456-a96d-bdec859c435d/Large_Web-and-Screen-Two-female-mechanics-working-on-a-car-in-a-garage","type":"image","width":1920},"title":"Company Car Insurance for Entrepreneurs – Fast to Arrange and On Average €480 Cheaper Per Year"},"cta":{"componentType":"cta","microCopy":"Login to calculate your premium","textLink":{"text":"Calculate your premium","url":"/en/business/insurance/request-car-insurance"}},"secondaryCta":{"textLink":{"text":"Company van? Check this insurance"}},"usps":[{"body":"Arrange your insurance in minutes","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/3b99f80f712578f8/original/Feedback-Smiley_Happy_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/0bc97a1a-9bd6-44a5-b4a4-4cfcdf330f8d/Feedback-Smiley_Happy_Outline","type":"image","width":32}},{"body":"On average €480 cheaper per year","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6716bef44a00873b/original/Transactions-Payment_Request_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32}},{"body":"No excess with Third-Party and Third-Party Fire & Theft cover","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/41545548dbe12b8/original/Savings_goals-Car_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/88bebb84-31e0-49ba-b470-931f54643fa2/Savings_goals-Car_Outline","type":"image","width":32}}]},"publishDate":"2026-07-30T16:29:33.055+02:00"}}