Compulsory insurance of liability

Compulsory insurance of liability

What is it about?

Every owner of a van is legally obliged to take out liability insurance. This temp van insures covers the damage you cause to third parties, but not the ones you cause to your own vehicle. Civil liability (CR) is valid in all countries not crossed out on the green card (mandatory document).

You can also buy this insurance for a trailer.

 

What is particularly assured?

  • Damage to third parties from your truck, whether it is property damage or personal injury
  • Compensation for injuries suffered by a pedestrian, cyclist or passenger in a traffic accident in which your vehicle was involved, even if you are not at fault

What is not particularly assured (main exclusions)?

  • Damage to your vehicle
  • Intentionally caused damage
  • Bodily injury to the driver

Legal protection insurance

What is it about?

This temp van insures helps you if there is a discussion about your van. It brings you legal aid and assistance. More specifically, it informs you of your rights, collects data (e.g. evidence and witness statements), requests the necessary investigations and conducts negotiations with the other party. You can also buy this insurance for a trailer.

What is particularly assured?

  • Assistance to recover the amount of damages from the opposing party
  • Legal assistance in the event of a contractual dispute related to your vehicle, for example when buying or repairing your vehicle
  • Legal assistance in the event of an administrative dispute with the public authorities, for example concerning the registration of your vehicle, the withdrawal of your driving license…
  • Legal assistance of a lawyer if you have to appear before a criminal court because of a traffic offense
  • In some cases: compensation for your damages if the other party is not in a position to compensate (insolvency of third parties)

What is not particularly assured (main exclusions)?

Disputes relating to:

  • the paid transportation of people or things you do
  • vehicle rental, installment purchase, lease-purchase and other similar financing
  • intentional offenses

Driver accident insurance

What is it about?

Insurance for bodily injury you may suffer in the event of an accident at fault or if the other party disputes its liability, when driving a van.

 

What is particularly assured?

  • Reimbursement of medical expenses following the accident
  • Expenses related to the accident
  • Generous compensation for permanent injuries
  • Compensation for relatives in the event of death due to the accident

What is not particularly assured (main exclusions)?

  • Accidents caused intentionally or as a result of serious misconduct
  • Accidents under the Belgian Workmen’s Compensation Act
  • The practice of competitions of speed, regularity or address and participation in these competitions

Transported goods insurance

What is it about?

This is an “assurance of things”. This insurance protects the equipment and goods you carry in your van from damage or theft. It is only valid during transport on own account.

 

What is particularly assured?

  • Equipment and goods in the event of a traffic accident
  • Loading and unloading
  • Fire, explosion or extinguishment
  • Vandalism
  • The forces of nature
  • Theft (optional)

This applies to the goods on board the insured vehicle:

 

  • during transport for your own account in Belgium and up to 150 km outside the borders
  • when stopped at the address of the policyholder, at the private or delivery address, on the building site where you work
  • in case of voluntary arrest not exceeding two hours

What is not particularly assured (main exclusions)?

  • The vehicle
  • Damage resulting from overload or defective condition of the vehicle
  • Theft in passenger space
  • Damage as a result of poor stowage
  • Non-functional damage to equipment
  • Some goods such as values, jewelry, animals, fuel…