A traffic accident can quickly lead to significant damage to your company vehicle. The mandatory third-party liability insurance only covers the damage you cause to others, but not the damage to your own vehicle.
With comprehensive insurance for company vehicles, you protect your fleet against damage caused by, among other things, accidents, theft, vandalism, or natural forces. This way, you prevent your business from having to bear unexpected expenses when a vehicle is damaged.
The specialists at Van Dessel will help you choose the right plan, from limited comprehensive to full comprehensive, tailored to the value of your vehicles and their use within your company.
An omnium insurance is a supplementary car insurance that covers damage to your own vehicle, even if you are responsible for the accident yourself. This insurance is an extension of the mandatory third-party liability (TPL) insurance and protects your vehicle against various risks.
There are generally two types:
Which option is best suited depends, among other things, on the value of the vehicle, the vehicle's age, and its use within your company.
Covers, depending on the chosen policy, damage to your company vehicle in the event of an accident for which you are personally liable or when the liable third party cannot be identified.
Covers damage caused by fire, theft, vandalism or burglary.
Covers damage caused by fire, theft, vandalism or burglary.
Covers glass breakage and collisions with animals.
A comprehensive insurance policy is interesting for companies that want to optimally protect their vehicles against financial damage.
This insurance is especially relevant for:
For older vehicles or vehicles with a lower value, a limited comprehensive insurance may sometimes suffice. For new or expensive vehicles, a full comprehensive insurance policy is usually recommended. For larger fleets, there are also alternative formulas available, such as stop-loss.
The premium of an all-risk insurance is determined by various factors, such as:
Companies with multiple vehicles often opt for a fleet insurance policy, in which the all-risk coverage is integrated into a single policy for the entire fleet. This can be administratively simpler and financially more attractive.
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
We analyze your activities, contractual obligations, and risks. You will receive a clear proposal tailored to your company.
Request a quote with no obligation or contact us for personal advice.
Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.