Your insurance premium<\/b>: book it as a normal expense.<\/p>\n<\/li>\n A claim, insurer pays the repair company<\/b>: only part of the invoice is deductible for you.<\/p>\n<\/li>\n A claim, insurer pays you directly<\/b> (e.g. an omnium payout):<\/b> book it as revenue. <\/p>\n \n<\/li>\n<\/ul>\n \n The invoice you get for having the policy itself is a normal business expense. There’s no VAT on insurance premiums in Belgium. Accountable has a specific category for each type of insurance. <\/p>\n Vehicle insurance:<\/b> choose Car insurance, Utility vehicle insurance, Motorbike insurance, or (e-)Bike insurance, depending on what you’re insuring.<\/p>\n<\/li>\n Other professional insurance:<\/b> choose Pro insurance, Fire insurance, Professional liability insurance, Legal protection insurance, or Guaranteed income insurance.<\/p>\n<\/li>\n Match the same professional-use percentage you already use for that asset’s other costs.<\/p>\n<\/li>\n Only professional insurance is deductible:<\/b> personal policies, like hospitalization insurance, don’t belong in any of these categories.<\/p>\n<\/li>\n<\/ul>\n \n \n If your insurer settles the repair invoice directly, the repair itself isn’t a cost to you, it was covered by the insurer. Usually, two things are still deductible:<\/p>\n The VAT on the invoice (or the deductible % of it)<\/p>\n<\/li>\n Your deductible excess (franchise), if your policy has one<\/p>\n<\/li>\n<\/ul>\n In short: you only book what you actually paid out of pocket. The rest is neutralized, since the insurer already covered it.<\/p>\n \n \n Book the invoice under the expense category that fits best (e.g. Maintenance and repairs), split into 3 items:<\/p>\n Enter the full invoice amount<\/b>, with its correct VAT rate. Use the same professional-use % you already use for the asset.<\/p>\n<\/li>\n Enter the same amount excl. VAT again, as a negative (-) line<\/b>, marked exempt (0% VAT \u2014 “exempt from VAT or not taxable”), at the same professional-use %. Enter your deductible excess (franchise), as a positive, exempt (0% VAT) line.<\/b> Set the professional-use % that applies to this cost. Item 1 \u2014 Full invoice: \u20ac 3 986,28 incl. 21% VAT (\u20ac 691,83), 35% professional use<\/p>\n \n<\/li>\n Item 2 \u2014 Negative line: \u20ac -3 294,45, 0% VAT (exempt), 35% professional use<\/p>\n \n<\/li>\n Item 3 \u2014 Excess: \u20ac 650,00, 0% VAT (exempt), 100% professional use<\/p>\n \n<\/li>\n<\/ul>\n Result, under Expense tax impact: \u20ac 242,14 VAT to recover + \u20ac 650,00 deductible for income tax = \u20ac 892,14 professional amount, matching what you were actually billed.<\/p>\n \n \n \n If your insurer transfers the payout to you instead, for example an omnium payout, or a fire insurance reimbursement, book it as income<\/b>, not as an expense.<\/p>\n \n \u2705 Only do this for professional claims and only record the amount you actually received!<\/b><\/p>\n<\/div>\n \n \n Go to the Revenues tab and record the full payout as a non-invoice revenue. <\/p>\n \n Step 1: Under Revenues, add a non-invoice revenue (Ticket)<\/p>\n<\/li>\n<\/ul>\n \n \n Step 2: Add the document, enter the Amount, this is the total amount you received, (in this example \u20ac1,466.77)<\/p>\n \n<\/li>\n<\/ul>\n Step 3: Under Category, choose “Insurance payout for lost asset”<\/p>\n \n \n<\/li>\n Step 4: Press save <\/p>\n \n<\/li>\n<\/ul>\n \n \n Does this also apply to other business assets, like stolen equipment or fire damage?<\/b> \n My car is only partly professional. What now?<\/b> \n \n Still have questions?<\/b> We’re always here to help in the chat \ud83d\ude0a<\/p>\n","protected":false},"excerpt":{"rendered":" A complete guide to booking insurance in Accountable: your premium, a claim where the insurer pays the repair company, and a claim where the insurer pays you directly.<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[451],"class_list":["post-29229","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"\n
\n1. Your insurance premium<\/h1>\n
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\n2. A claim: your insurer pays the repair company directly<\/h1>\n
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How to book it?<\/h2>\n
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\u2192 This cancels the part the insurer paid for you.<\/p>\n<\/li>\n
\u2192 This is a real cost to you, so it stays deductible.<\/p>\n<\/li>\n<\/ol>\nExample: garage invoice after a car accident (35% professional use)<\/b><\/h3>\n
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\n3. A claim: your insurer pays you directly<\/h1>\n
How to book it?<\/h2>\n
Example: Insurance payout for lost asset. <\/b><\/h3>\n
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\n\u2753 Frequently asked questions<\/h1>\n
Yes. The same method applies any time your insurer pays a repair or replacement invoice directly, whether it’s your vehicle, a stolen laptop, or fire damage to your equipment. Just book it under that asset’s usual expense category, using the professional-use percentage that applies to it.<\/p>\n
Use your car’s usual professional-use percentage for the premium, and for the full invoice and negative line (items 1 and 2). The deductible excess (item 3) is a separate, real cost, set its own professional-use percentage based on your actual situation.<\/p>\n
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