{"id":20393,"date":"2025-05-28T13:54:36","date_gmt":"2025-05-28T11:54:36","guid":{"rendered":"https:\/\/vanpasse.nl\/?p=20393"},"modified":"2025-12-17T20:16:36","modified_gmt":"2025-12-17T19:16:36","slug":"business-car-insurance-zzp","status":"publish","type":"post","link":"https:\/\/vanpasse.nl\/en\/kennisbank\/verzekeringen\/zakelijke-autoverzekering-zzp\/","title":{"rendered":"Business car insurance as a self-employed person"},"content":{"rendered":"

What is business car insurance?<\/strong><\/h2>\n

Business car insurance works the same as a private policy but takes into account business use. The basis remains WA because it is required by law. WA limited casco and full casco offer extra protection against damage caused by burglary, fire or own fault. Your insurer should know how you use your car because more frequent and intensive driving increases the risk. The government does not prescribe which cover you should choose. You decide which form suits the value of your car and the role your car plays in your work.<\/p>\n

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Is car insurance compulsory?<\/strong><\/h2>\n

Car insurance is always mandatory when your license plate is active. The RDW checks this several times a year. If your car is not insured, a fine will follow. You can only stop insurance if you suspend your registration at the RDW. During the suspension, you may not drive and your car may not be on public roads. These rules apply to everyone, including you as a self-employed person. It does not matter whether your car is used privately or for business purposes. The insurance obligation is separate from your business.<\/p>\n

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Difference between business and private car insurance<\/strong><\/h2>\n

The difference is mainly in usage. A private policy assumes private use and commuting. Many insurers do not cover business trips such as customer visits, deliveries or trips with materials. A business policy does take this into account and provides cover during work trips. Also, business policies often allow multiple drivers. The premium is usually higher because business mileage creates more risk.<\/p>\n\n\n\n\n\n\n
Business insurance<\/strong><\/td>\nPrivate insurance<\/strong><\/td>\n<\/tr>\n
Coverage during business trips<\/td>\nFocused on private use<\/td>\n<\/tr>\n
Multiple drivers allowed<\/td>\nBusiness trips often excluded<\/td>\n<\/tr>\n
Premium higher due to more usage<\/td>\nPremium usually lower<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Advantages<\/strong><\/h2>\n

Business car insurance prevents your insurer from denying claims when you were on the road for work. If your car is part of your business assets, you can deduct car expenses such as fuel, maintenance, premium and road tax. You can reclaim VAT on costs if you are liable for VAT. If you drive more than five hundred kilometres privately, an additional taxable benefit applies. If you drive less than five hundred kilometres privately, no additional taxable benefit applies. If you use your private car for business trips, you can deduct \u20ac0.23 per kilometre from your profit.<\/p>\n

Business car insurance benefits<\/p>\n