Spreading risk · what you cannot bear · limits
Why take out insurance?
Insurance is not an investment. It exchanges a small certain amount for protection against a large uncertain one.
Deze pagina in het Nederlands: Waarom zou u zich verzekeren?.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
What it gives you
Certainty about what you cannot bear. With personal injury the loss is calculated over the whole of the victim's life; that runs into hundreds of thousands or millions.
Defence against unfounded claims. If a claim is made against you when you did nothing wrong, your insurer conducts that defence and pays the costs.
Help at the moment itself. An emergency assistance centre after an accident abroad, incident response after a hack: that is often worth more than the payment.
Where the benefit stops
With amounts you can do without any difficulty. Anyone who can easily bear an excess of five hundred euros does not need cover for losses of two hundred.
With foreseeable costs. Maintenance, wear and tear and replacement are not a risk but planning; you do not insure those.
What it is not
Insurance never pays more than the loss. You do not end up better off; you are put back in the position you were in before the event.
The trade-off
Work out what a scenario would cost you and how likely it is. Rare and unaffordable: insure. Regular and affordable: bear it yourself.
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Frequently asked questions
The questions we are asked most often about this.
What does insurance give you?
Protection against amounts you cannot bear yourself.
Is it an investment?
No; you exchange a small certain amount for protection against a large uncertain one.
What is the rule of thumb?
Rare and unaffordable you insure; regular and affordable you bear yourself.
Do I get more than the loss?
No; indemnity insurance puts you back in the position you were in before the event.
Is the defence covered too?
Yes; with an unjustified claim your insurer conducts the defence.
What do I not insure?
Foreseeable costs such as maintenance, wear and tear and replacement.
What is covered and what is not
What is covered
| Situation | Standard cover | Additional cover |
|---|---|---|
| Your dog bites a passer-by who is left with permanent injuries | Yes | No |
| Your laptop slides out of your bag in the street and is beyond repair | No | Yes |
| You need a solicitor for a long-running dispute with the neighbours | No | Yes |
| You break your leg on holiday and have to be repatriated | No | Yes |
| Your boiler needs replacing after fifteen years | No | No |
| The fence in your back garden blows over in an autumn storm | No | No |
Work out for each row what it would cost you if nothing were insured; that amount determines whether the right-hand column is worthwhile.