What is the cheapest truck

Trucks, delivery vans, vans and the like - what are the differences?

For cars, the tax rate is calculated based on the emissions standard and the engine size. In the case of trucks, on the other hand, the basis for calculation is not the cubic capacity, but the gross vehicle weight. That is why the latter are often cheaper in terms of tax.

For trucks and delivery vans, size also matters

When calculating the tax for trucks (including pick-ups, off-road vehicles, etc.), the weight is decisive. However, whether a vehicle can be registered for a car or a truck depends on the nature of the vehicle. For example, the loading area must be larger than the passenger compartment.

Trucks and delivery vans - the most important difference: weight

Vehicles with a gross vehicle weight of more than 3.5 tons are registered as trucks. Vans, vans and small vans, on the other hand, are vehicles with a gross vehicle weight of up to 3.5 tons. Under certain conditions it is possible to register vehicles with a total weight of less than 3.5 tons as trucks.

The functionality of the delivery truck is also crucial

Delivery vans are often passed off as trucks because, in terms of their design and specific interior, they offer good conditions for transporting goods from A to B. This corresponds exactly to the definition of a truck. If you want to find out whether your new van can be registered as a truck, it is best to contact customs before you buy the vehicle. This authority has been entrusted with tax matters for motor vehicles since 2014.

Is truck registration really worth it?

Even if it is possible to have the transporter or delivery van classified as a truck for tax purposes, you should not forget the following: Comprehensive insurance for trucks is comparatively expensive. It is therefore possible that you will have to raise the tax savings for the expected higher insurance premiums.

You can take the no-claims discount that has already been accumulated for your car and transfer it to the truck insurance. Although there are often shortened SF scales for delivery vans, mobile homes or motorcycles, your accident-free years (discount base year) are not lost, as these are passed on from insurance company to insurance company and not the SF class.

If you switch back to a car, you will have the higher SF class again.

  • Example:
    • Let us assume that you have SF20 for cars (basic discount year 1999) and then you conclude a truck contract with SF10 (basic discount year remains 1999). After 5 years you switch back to a car contract so that you have been driving accident-free the whole time. Then you will receive the SF25 for cars (the basic discount year is still 1999).

There are insurance companies that, unlike Verti, only have a short discount scale. This means that even in the event of a small rear-end collision, the SF class is downgraded to a greater extent. With Verti's long discount scale, the downgrade of the SF class is often lower.

What are the minimum requirements for a truck registration?

  • The cargo space must be larger than the passenger cabin. The loading space must also have the highest possible loading volume or a long loading space length.
  • The load compartment and passenger compartment must be separated from each other. To ensure this, normal cars usually have to be converted accordingly.

The cost of retrofitting a vehicle is high. Often the desired approval of the car as a truck is therefore not worthwhile. In addition, you should note that on Sundays you are only allowed to drive a trailer for private purposes as soon as you have the truck registration in your pocket.

Whether it is a truck or delivery van, at Verti you will find the right vehicle insurance for your vehicle. Calculate your favorable tariff with us now.