Your van optimally insured
Tailored insurance cover for light commercial vehicles (LCVs) up to 3.5t. Secure your van digitally and hassle-free with nextsure – for both private and commercial use.
Individual rates for LNFZ
Comprehensive protection, digitally lockable
Quick claims settlement guaranteed
Basics of Transporter Insurance for Light Commercial Vehicles
Statutory Motor Liability Insurance
Optional Comprehensive Insurance (Partial & Full Coverage)
Specific rates for commercial use
Consideration of vehicle type and area of application
Cover details: What is covered by your van insurance (light commercial vehicles)?
Choosing the right coverage for your van insurance is crucial to be optimally protected in the event of a claim. At nextsure, we focus on providing a clear explanation of which services are included. The foundation is always the third-party liability insurance, which is legally required and covers damages caused to third parties by your light commercial vehicle (LCV) – this includes personal injury, property damage, and financial losses. For the protection of your own vehicle, you can choose between partial coverage and comprehensive coverage. The partial insurance covers damages caused by external influences such as theft, fire, explosion, storm, hail, lightning, flooding, glass breakage, and collisions with wildlife. Damage caused by marten bites, including consequential damages, is often also covered. Comprehensive insurance significantly extends this protection. It additionally provides cover for accident damage to your van that you have caused yourself and in cases of vandalism. Comprehensive insurance is particularly recommended for new, leased, or credit-financed light commercial vehicles to avoid significant financial burdens. nextsure will help you to precisely tailor the coverage to your individual requirements and the value of your vehicle, so you can drive with peace of mind.
OUR SERVICES FOR YOUR LNFZ
Optimal protection for your van
Liability Insurance
Legally required basic protection against third-party damages.
Partial cover
Protection against theft, fire, glass breakage, and natural hazards.
Comprehensive insurance
Comprehensive protection including self-inflicted accident damage and vandalism.
Coverage Letter
Quick roadside assistance and mobility guarantee in Europe.
Driver protection
Important protection for personal injury of the driver in case of own fault.
Online Calculator
Compare tariffs and calculate your individual contribution directly online.
DigitalService
Manage contracts online, report damages digitally – access anytime.
Tariff Comparison
Transparent comparison of services and prices from different providers.
Claim
Simple and swift handling in case of damage – digital and personal.
Tailored, digital, reliable
Ready for optimal protection?
Calculate van insurance now!
The motor vehicle liability insurance for transporters: Legal requirement and basic protection
Motor vehicle liability insurance is legally mandatory for every owner of a van, including a light commercial vehicle (LCV), in Germany. Without this basic cover, no vehicle is allowed to be driven on public roads. Its main function is to regulate third-party claims for compensation arising from the operation of your van. This includes personal injury (e.g., medical treatment costs, compensation for pain and suffering), damage to property (e.g., repair costs to other vehicles or objects), and pure financial losses. The statutory minimum coverage sums are often insufficient to cover all costs in a serious case. nextsure therefore always recommends choosing a higher coverage amount - ideally a flat rate of 100 million euros for personal, property, and financial damages, although personal injury is often limited to 15 million euros per injured person. This offers comprehensive security, especially as damages with commercial vehicles can quickly result in very high costs. Accurately stating the type of use (private or commercial) is particularly important for liability insurance for vans, as the risk and therefore the premium can vary. Transparent and needs-based insurance coverage is our goal at nextsure.
Third-party, fire and theft or comprehensive cover for your light commercial vehicle: Making the right decision
In addition to the obligatory motor liability insurance, owners of light commercial vehicles (LCVs) are faced with the question of optimal comprehensive cover: third-party fire and theft or fully comprehensive? The decision depends on various factors, including vehicle value, age, type of financing, and your individual need for security. Third-party fire and theft insurance covers damage to your own van caused by certain external events. These typically include theft of the vehicle or permanently installed parts, fire and explosion, damage from storms, hail, lightning, or flooding (natural hazards), glass breakage (e.g., windscreen), and wildlife collisions (collision with wild animals). Often, damage from marten bites is also covered. Fully comprehensive insurance includes all the benefits of third-party fire and theft and goes beyond that. It additionally covers damage to your own van caused by an accident you have caused, as well as damage due to vandalism (deliberate or malicious acts by third parties). For new, nearly new, or lease-financed vans, fully comprehensive insurance is usually the more sensible choice, as it offers the highest level of protection and can replace the new or replacement value in the event of a total loss. nextsure supports you with digital comparison tools and expert advice to find the right comprehensive insurance for your LCV.
Meaningful additional components for your van insurance (light commercial vehicles)
To optimally adapt the insurance coverage for your light commercial vehicle (LCV) to your individual needs, Nextsure offers a range of meaningful additional modules. These optional extensions complement the services of the motor liability and comprehensive insurance, providing added safety and comfort. A particularly popular addition is the breakdown cover. It guarantees rapid assistance in case of breakdowns, accidents, or theft, often throughout Europe. Services include roadside assistance, towing service, recovery costs, rental car provision, or onward and return travel costs. The driver's protection insurance is an important supplement, as the driver is not covered by the motor liability insurance in case of a self-inflicted accident. It provides benefits for personal injuries of the driver (e.g., loss of earnings, compensation for pain and suffering, structural alterations). An accident insurance for passengers offers financial protection for all eligible passengers in accidents, regardless of liability. Further options may include foreign damage protection (settlement according to German standards in the event of non-fault accidents abroad), the no-claims discount protection (prevents downgrading of the no-claims class after a claim), or GAP coverage for lease-financed transporters. With Nextsure's modular solutions, you can digitally and transparently tailor your customised insurance coverage.
The no-claims discount (SF class) for the insurance of light commercial vehicles
The no-claims bonus, often referred to as the SF class, plays a crucial role in the calculation of the insurance premium for your light commercial vehicle (LCV). It rewards accident-free driving with lower premiums. Each year without a reported liability or fully comprehensive claim leads to being placed in a better SF class, which reduces the premium rate. The system of SF classes is complex and can vary slightly between insurers. There are some peculiarities to consider when insuring a van. Transferring an SF class from a car to an LCV is often possible, but sometimes it is subject to restrictions or a different conversion table. Conversely, this is also true. It's important to clarify this with the insurer beforehand. In the event of a claim, a downgrade to a worse SF class occurs, resulting in higher premiums in the subsequent years. The exact number of downgraded classes depends on the insurer and the original SF class. To avoid such a downgrade, some insurers offer a no-claims protection as an additional option. This secures the current SF class despite one (usually the first) claim per year. nextsure helps you understand the regulations regarding the no-claims bonus and find tariffs that optimally reward your accident-free driving practice.
Fleet insurance
For companies with multiple vehicles
Business liability insurance
Essential protection for your business
Contents insurance
Security for Tools and Goods
Special aspects of van insurance for commercial use
The insurance of a commercially used van or light commercial vehicle (LCV) differs in several aspects from pure private use. Insurers generally assess the risk of commercial use as higher, which affects tariff setting. A crucial point is the correct specification of the type of use. A distinction is often made between private transport (transport of own goods or for own business purposes) and freight transport (paid transport of goods for third parties). For light LCVs up to 3.5 tons, private transport is usually relevant, for example, for tradespeople, delivery services of their own goods, or service providers. Incorrect or incomplete information about the usage can have serious consequences in the event of a claim, up to the loss of insurance cover or claims for compensation from the insurer. The type of transported goods can also play a role, particularly if hazardous goods are involved (although this is less common with light LCVs). Other factors include the annual mileage, the driver pool (e.g., changing drivers), and the area of operation. nextsure understands the specific requirements of business owners and offers digital insurance solutions tailored to the needs of self-employed individuals and companies with light commercial vehicles, ensuring adequate and legally secure coverage.
Costs of van insurance (light commercial vehicles): These factors affect the premium
The cost of van insurance for light commercial vehicles (LCVs) is composed of various factors that insurers use for risk assessment. Understanding these influencing factors can help you identify potential savings and find the optimal tariff. One of the most important factors is the vehicle itself: brand, model, engine power, new or current value, and any special modifications. The age of the vehicle also plays a role. The van's classification, reflecting statistical accident and damage frequency, is also crucial. Another important aspect is the type of use: private use is generally cheaper than commercial use. For commercial use, the industry and type of transport (e.g., works traffic) are also considered. Annual mileage also impacts the premium – statistically, the more you drive, the higher the risk of damage. The driver group is relevant: Is it only the policyholder driving or also young drivers under 23/25 years? The policyholder's no-claims discount (NCB) has a significant impact on the premium amount. Regional classifications, which reflect the level of claims at the location of registration, and the chosen coverage (third party, partial or comprehensive coverage) as well as the amount of the deductible in case of damage are other important price components. nextsure offers transparent comparison calculators to help you understand the cost structure and find the right coverage for your budget.
Online completion of your van insurance: The digital advantages at nextsure
Taking out van insurance for your light commercial vehicle (LCV) via a digital insurance platform like nextsure offers numerous advantages, saving time and simplifying the process. The digital handling meets the modern need for speed, transparency, and convenience. One of the biggest advantages is the ability to compare tariffs from different providers comfortably from home or on the go. Our online calculators guide you step by step through the necessary details and present you with tailored offers. You can flexibly adjust coverage and additional services and immediately see the impact on the premium. The entire application process is digital – from filling out the forms to submitting the documents. This eliminates paperwork and waiting times. You typically receive your insurance documents promptly by email and can view and manage them in your digital customer account at any time. As an insurtech, nextsure places special emphasis on an intuitive user interface and clear information. If you have any questions, our support team is available digitally or by phone. Thanks to efficient processes and the elimination of field service structures, online insurers can often offer more favourable conditions. Experience the future of the insurance sector: fast, easy, secure, and completely digital with nextsure.
What is meant by insurance for light commercial vehicles (LCVs)?
Damage to your van is frustrating, but with the right approach to reporting it, the settlement process can be expedited and simplified. nextsure supports you with a customer-friendly, digital process. First of all: Stay calm and secure the accident scene if necessary. Document the damage as thoroughly as possible. Take photos of the damaged vehicles or objects, the accident scene, and any skid marks. Note the registration numbers, names, and addresses of the other parties involved and any witnesses. For major damage, injuries, or unclear questions of liability, you should always involve the police. Report the damage to your insurer immediately. At nextsure, you can conveniently report damage online via our customer portal or by phone. Have your insurance policy number and the collected information at hand. Describe the incident accurately and truthfully. Fill out a claim form carefully. The more complete your information, the faster the processing can be. For comprehensive claims, the insurer will usually appoint an assessor or ask you to obtain cost estimates before authorising a repair. Do not act independently; always coordinate the next steps with nextsure. Our goal is a prompt and fair settlement of claims so that your light commercial vehicle is quickly ready for use again.
