Choose the risks you want to be insured for, from basic coverage to protection against damage caused in a collision or by skidding off the road. Take a look below and see what coverage is offered and which type suits your van and business best. 'B'.
"},"title":"What kind of company van insurance is right for you?"},{"accordionList":[{"richBody":{"value":"Do you use your van for business purposes and are you able to reclaim VAT on the purchase and running costs? If so, your insurance premium is calculated based on the vehicle's list price excluding VAT. Any claim settlement will also be paid excluding VAT.
Whether you can reclaim VAT depends on your business and how the van is used. If you're unsure, speak to your accountant or tax adviser.
Prefer to discuss your situation with an ING adviser? Book a free appointment here, online or at one of our branches.
"},"title":"Can you benefit from tax advantages with business van insurance?"},{"richBody":{"value":"A grey license plate is used for commercial vehicles that are used for business purposes. These vehicles are often recognizable by a license plate that starts with a ‘V’ (for light commercial vehicles) or a ‘B’ (for heavier commercial vehicles).
If you drive a commercial vehicle with a grey license plate, you may be eligible for tax benefits as an entrepreneur—such as lower road tax and VAT deductions.
However, since January 1, 2025, there has been a change: vans with combustion engines that are registered for the first time from this year onward are no longer exempt from BPM (private motor vehicle and motorcycle tax).
Did you purchase your van before 2025? Then you will retain the exemption, as long as you continue to meet the conditions.
This makes it even more important to carefully consider both the costs and the coverage of your insurance.
"},"title":"Grey license plate"},{"richBody":{"value":"The cost of your business van insurance depends on several factors, including your no-claims discount, the van you drive and the level of cover you choose.
The good news is that you can calculate your premium instantly without logging in. All you need is your vehicle registration number.
"},"title":"What is the cost of business van insurance?"}],"componentType":"accordion"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Vans and light commercial vehicles
These are the most common grey registration plate vehicles used by couriers, tradespeople and installation companies. Examples include the Volkswagen Caddy or Transporter, Ford Transit (Custom), Mercedes-Benz Sprinter or Vito, Renault Kangoo or Trafic, and Peugeot Partner or Expert.
Pick-up trucks
Popular in the construction and agricultural sectors, often due to their high towing capacity. Mid-sized pick-ups are usually eligible for cover. Larger models (such as a RAM) cannot be insured. Acceptance depends on the specific model and vehicle specifications.
Converted SUVs and van-derived vehicles
Cars or SUVs that have been converted into commercial vehicles, for example by removing the rear seats and installing a fixed bulkhead. Whether these vehicles can be insured depends on their design and technical specifications.
This insurance is available to sole traders and business owners with an ING Business Account. It is suitable for vans and other grey registration plate vehicles (B- or V-registration). You can register yourself, multiple drivers, or another regular driver.
Please note: this insurance is not available if the vehicle is used for courier services, driving instruction, vehicle rental or as a taxi. If you drive a business passenger car, please take a look at our Business Car Insurance instead.
"}}],"title":{"value":"Can my vehicle be insured with a van van insurance policy?
"}}],"componentType":"actionAccordion"},{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"Calculate premium","url":"/en/business/insurance/request-van-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","url":"/en/business/insurance/request-van-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-van-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":"Apply for Business Van Insurance"},{"body":"You can calculate your premium even if you're not yet an ING customer. However, taking out a policy is only available to ING Business Banking customers.","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 and the ING app","title":"You’re covered right away!"}]}},{"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":"Free cancellation service for ING customers"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Additional cover options for your Business Van Insurance"},{"componentType":"paragraph","richBody":{"value":"Below is a summary of the optional cover available with this Business Van Insurance policy and what each option covers. For 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"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"Insure damage to or loss of the goods in your van, such as building materials, tools, products or other items that you transport in your van.","link":{"url":"/en/business/insurance/contents-insurance"},"title":"Contents insurance"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"Accessories are insured as standard up to €1,250. With this additional insurance you can increase this coverage to €4,100 including VAT.","link":{"url":"/en/business/insurance/accessories-coverage"},"promoText":"Only with Limited Comprehensive or Fully Comprehensive","title":"Accessories coverage"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Have you switched to an electric van? You can insure that too with our Business Van Insurance.
Good to know: if breakdown assistance or repairs are already covered by your vehicle manufacturer's service package, please contact your vehicle brand's roadside assistance service first.
"}}],"title":{"value":"Insuring an electric van through your business
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You can insure up to 10 business vans with our company van Insurance. If one of your vans is taken off the road temporarily, you can easily suspend the policy for up to six months. During this period, your no-claims discount will continue to build.
Replacing a business van? Simply insure the new vehicle and we'll automatically cancel the policy for the previous one. You can manage this quickly and easily through My ING Business or the ING Mobile Banking App.
"}}],"title":{"value":"Insuring multiple company vans
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"It may seem obvious, but there are some situations that aren't covered by your insurance policy. It's important to be aware of these exclusions.
You won't be insured in the following situations:
Please note: this is only a summary of the main exclusions. For full details of what is and isn't covered, please refer to the policy terms and conditions.
"}}],"title":{"value":"What is not insured?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Reporting damage to your business van"},{"alignedImage":{"position":"right","extension":"jpg","original":"https://assets.ing.com/asset/bd905d5e-8fba-459e-b87a-629cd28b1fcb/rear-view-of-woman-standing-on-road.JPG","transformBaseUrl":"https://assets.ing.com/transform/bd905d5e-8fba-459e-b87a-629cd28b1fcb/rear-view-of-woman-standing-on-road"},"componentType":"paragraph","richBody":{"value":"Has your business van been damaged? Report your claim straight away through My ING Business or the ING Mobile Banking App. Select your Business Van Insurance policy from the overview and click 'Report a claim'.
Once your claim has been submitted, your van can be repaired through Topherstel.
Please note: if you only have Third-Party Liability (TPL) cover, or if the cause of the damage is not covered by your policy, you can still benefit from the repair and service arrangements offered by Topherstel. In that case, the repair costs will be charged directly to you.
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.
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 under company van insurance of ING?"},{"richBody":{"value":"Yes, our van insurance is cancelable on a daily basis. That means you’re never locked in — you can cancel whenever you want, with no notice period and no extra fees. Perfect for temporary use or when your plans change.
"},"title":"Can I cancel my van insurance at any time?"},{"richBody":{"value":"If you can deduct VAT on your company van, this also saves a lot on your insurance. The premium is based on the new-for-old value of your vehicle, excluding VAT. Any claims paid out then also exclude VAT.
"},"title":"Can you deduct the VAT from your company van insurance?"},{"richBody":{"value":"With company van 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.
"},"title":"Multi-vehicle insurance"},{"richBody":{"value":"If you've switched to an electric company van, we can cover you too. Some of the benefits of Company Van Insurance of ING:
For all breakdown and damage claims, contact your manufacturer first if they specify this.
"},"title":"Electric van covered too"},{"richBody":{"value":"When applying for company van insurance, you will be asked about your no-claims bonus. You’ll find this on your last insurer’s policy schedule. Your no-claims bonus is measured in years: one for each year in which you don’t make any claims. If you do claim, you will lose five years of your no-claims bonus. You can use your no-claims bonus on a single vehicle.
If you are a new driver and are looking for insurance for your first vehicle, your no-claims bonus will start at 0.
"},"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?"},{"richBody":{"value":"The main differences are:
The company van insurance of ING offers a new-for-old replacement scheme up to €60,000 including VAT. In the event of total loss or theft, you’ll be reimbursed the full new value of your van, provided the vehicle is no older than 12 months. Additionally, if you purchased your van from a BOVAG-affiliated dealer or brand dealership, you are eligible for reimbursement of the purchase price.
Want to benefit from these arrangements for a longer period?
Choose the optional coverage Extended New-for old value or extended purchase Value. With these coverages, the scheme applies for up to 36 months — available exclusively with Fully Comprehensive insurance.
With a Limited or Fully Comprehensive coverage, your company van is also insured against damage and theft outside the Netherlands. Coverage applies in Europe, Morocco, Tunisia, and Turkey. You will receive a Green Card with your policy, which shows the countries where your insurance is valid. You are insured in all countries listed on the Green Card that are not crossed out.
If you also want to be covered for roadside assistance abroad, such as receiving a replacement van, you can take out the optional Breakdown assistance insurance. This includes:
This way, you're well prepared for unexpected situations abroad.
"},"title":"What does the coverage abroad include?"}],"componentType":"accordion"},{"componentType":"cta","microCopy":"*You can calculate your premium in My ING Business","textLink":{"text":"Calculate your premium","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/van"}},{"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 car insurance","url":"/en/business/insurance/ing-company-car-insurance"},{"text":"Manage your insurances","url":"/en/business/insurance/my-business-insurances"}]}]},"hasMacro":false,"id":"67687f4a-7a10-4f00-a09d-cf54ac2f962f","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":"Do you own a business van? Insurance is a legal requirement. Our Business Van Insurance covers damage to and caused by your van, including vehicles with a grey registration plate. As an ING customer, you can arrange cover in minutes and cancel at any time for complete flexibility.","headerImage":{"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},"subtitle":"Choose the cover that fits your business needs","title":"Business Van Insurance: on average €280 cheaper per year for businesses"},"cta":{"componentType":"cta","microCopy":"Login to calculate your premium","textLink":{"text":"Calculate your premium","url":"/en/business/insurance/request-van-insurance"}},"usps":[{"body":"Average annual saving of €280","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":"Courtesy vehicle included when van is damaged","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/597bf5204e8d4ecd/original/Other-Truck_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/6fa35de7-2464-4447-9748-7932c04bfebf/Other-Truck_Outline","type":"image","width":32}},{"body":"Cover for electric vans","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/186150b48e834274/original/Insurance-Electrician_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a8d6505c-4a06-48f3-96ed-d7d85ceb4a9f/Insurance-Electrician_Outline","type":"image","width":32}},{"body":"Daily cancellation available"}],"uspsTitle":"Company van insurance"},"publishDate":"2026-07-20T16:51:22.787+02:00"}}