{"type":"document","data":{"id":"1cd6bd41-7514-4a40-a92f-a5cdfffd0213","localeString":"en-GB","publishDate":"2026-03-31T14:51:10.638+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"An Occupant insurance is a supplementary coverage for your company car or van insurance, if you want good insurance for yourself and your passengers in your company car, even if it is unclear who is at fault in case of an accident.","taxonomies":{"productTaxonomy":{"taxonomyKeys":["categories","category-NL-204","category-nl-b_insurance"],"taxonomyType":"productTaxonomyContainer"}}},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/business/insurance/ing-company-car-insurance","text":"Calculate your car premium in My ING Business"}},"secondaryCta":{"textLink":{"url":"/en/business/insurance/ing-company-van-insurance","text":"Calculate your van premium in My ING Business"}},"coreHeader":{"body":"If you want good insurance for yourself and your passengers in your company car or van, even if it is unclear who is at fault in case of an accident.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/996333b1-a304-4b4a-8f1f-ddc6295b01a0/Woman-sitting-in-a-car-applying-makeup","type":"image","width":6720,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/2a225dcabf0d76e/original/Woman-sitting-in-a-car-applying-makeup.jpg","extension":"jpg"},"title":"Occupant insurance","subtitle":"The occupant insurance is a comforting addition to your company car or van insurance"},"backLink":{"textLink":{"url":"/en/business/insurance","text":"Business insurances"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is Occupant insurance?"},{"componentType":"paragraph","richBody":{"value":"<p>Occupant insurance provides supplementary coverage for your company car or van insurance for: </p><ul><li><p>Personal injury: you or a passenger are injured due to an accident or do not survive the accident. </p></li><li><p>Material damage: items are damaged because of an accident or cannot be used any longer.  </p></li></ul><p>Good to know: the coverage applies to all occupants of your company car or van, so including you as the driver. It doesn’t matter whose fault the accident is. </p>"}},{"componentType":"sectionTitle","title":"Your benefits with Occupant insurance"},{"componentType":"paragraph","richBody":{"value":"<ul><li><p>Anyone in your car or van is insured against material damage and personal injury up to a maximum of €1 million. </p></li><li><p>This prevents disputes between parties afterwards if any damage occurs. </p></li><li><p>From €5 a month. </p></li></ul>"}},{"componentType":"sectionTitle","title":"What is insured and not insured?"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"This is insured","usps":[{"body":"Injuries suffered by the driver and passengers in your company car or van","iconType":"check-mark"},{"body":"Permanent effects of severe injury after the accident","iconType":"check-mark"},{"body":"Damage to property present in the vehicle","iconType":"check-mark"}]},{"title":"And this is not insured","usps":[{"body":"Damage to your own company car, company van or a trailer attached to it","iconType":"cross"},{"body":"Injuries and damage with costs exceeding €1 million","iconType":"cross"},{"body":"Any damage covered by another insurance","iconType":"cross"}]}],"title":"This is insured,And this is not insured"},{"componentType":"sectionTitle","title":"Why you need Occupant insurance"},{"componentType":"paragraph","richBody":{"value":"<p>Imagine you’re on your way to a customer in your van. You need someone to help you with this job and this person is with you in the vehicle. While en route you’re involved in an accident.  </p><p>If you don’t have Occupant insurance, you’ll be at risk of having to pay for any physical injury and/or material damage suffered by your passenger. In other words: you may have to cover the costs. </p><p>Occupant insurance prevents a lot of bother and possible high costs. Everyone in your company car is insured, up to €1 million.</p>"}},{"componentType":"sectionTitle","title":"How to take out Occupant insurance"},{"componentType":"paragraph","richBody":{"value":"<p>You can choose Occupant insurance as additional coverage when applying for your company car or van insurance. So you cannot take out Occupant insurance separately.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p><strong>Terms and conditions</strong></p><p>We work with Allianz Direct to provide this insurance. You can apply, change your coverage or make a claim in My ING Business or the Mobile Banking App. This insurance is underwritten by Allianz Direct, which means that they will collect your premium and pay out any successful claims. </p><p>See below our cooperation document and the terms &amp; conditions. Please review these documents carefully and save them on your device.</p>"}},{"componentType":"accordion","accordionList":[{"title":"Partnership with Allianz Direct","richBody":{"value":"<ul><li><a href=\"https://assets.ing.com/m/3fc508e9809337b5/original/More-about-the-service-co-operation-and-taking-out-the-insurance-FINAL.pdf\">About our cooperation with Allianz Direct</a></li></ul><p> </p>"}},{"title":"Company car insurance of ING policy conditions","richBody":{"value":"<ul><li><a href=\"https://assets.ing.com/m/149d3615c113ff3e/original/ING-Zakelijke-Autoverzekering-voorwaarden-ENG.pdf\">Terms &amp; conditions Company car insurance of ING</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz-direct/ing-company-car-insurance-third-party-liability\">Insurance card Company car insurance of ING Third-Party Liability</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz-direct/ing-company-car-insurance-third-party-liability-limited-cover\">Insurance card Company car insurance of ING Limited Comprehensive</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz-direct/ing-company-car-insurance-third-party-liability-comprehensive-cover\">Insurance card Company car insurance of ING Fully Comprehensive</a></li></ul><p> </p>"}},{"title":"Company van insurance of ING policy conditions","richBody":{"value":"<ul><li><a href=\"https://assets.ing.com/m/3373c4aa770937b7/original/ING-Zakelijke-Bestelbusverzekering-voorwaarden-ENG.pdf\">Terms &amp; conditions Company van insurance of ING</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz-direct/ing-company-van-insurance-third-party-liability\">Insurance card Company van insurance of ING Third-Party Liability</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz-direct/ing-company-van-insurance-third-party-liability-limited-cover\">Insurance card Company van insurance of ING Limited Comprehensive</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz-direct/ing-company-van-insurance-third-party-liability-comprehensive-cover\">Insurance card Company van insurance of ING Fully Comprehensive</a></li></ul>"}}]},{"componentType":"highlight","title":"Why insure your car or van through ING?","richBody":{"value":"<ul class=\"check-mark\"><li>Comprehensive insurance at a competitive price</li><li>Quick application</li><li>See your coverage at a glance in your ING environment</li><li>Make a claim directly through the app and My ING Business</li><li>Easy to amend your policy</li></ul>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Company car insurance of ING","intro":"Choose the coverage that suits you","image":{"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,"original":"https://assets.ing.com/m/530d3040f14a6d8/original/BB-Insurance-only-portrait-of-young-man-using-mobile-phone-while-sitting-in-car.JPG","extension":"jpg"},"link":{"url":"/en/business/insurance/ing-company-car-insurance"},"checkMarkList":["Very competitive premium","Accessories insured up to €4,100","Courtesy vehicle if yours is damaged"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Company van insurance of ING","intro":"Choose which risks you insure","image":{"transformBaseUrl":"https://assets.ing.com/transform/6f47ef63-8c5a-4158-92df-bde6673078ea/BB-Insurance-only-Woman-steps-out-van-switch","type":"image","width":1700,"original":"https://assets.ing.com/m/7e037453e0b29956/original/BB-Insurance-only-Woman-steps-out-van-switch.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/ing-company-van-insurance"},"checkMarkList":["Very competitive premium","Courtesy vehicle if yours is damaged","Electric van also insured"]}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","extension":"svg"},"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/insurance","text":"All about business insurances"},{"url":"/en/business/insurance/breakdown-assistance","text":"Breakdown assistance"},{"url":"/en/business/insurance/garage-choice","text":"Garage choice"}]}]}}}