Genuinely compulsory
- Health insurance for residents
- Third-party liability for car, motorcycle and scooter
- Article 2 WAM also applies when the vehicle is stationary
- A fine if you are not insured
Compulsory · voluntary · uninsured
No. In the Netherlands only a small proportion of insurance is required by law. You take out all other cover voluntarily. Below you can read which policies are compulsory and what it means if you leave something uninsured.
Deze pagina in het Nederlands: Heeft iedereen een verzekering?.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
The short answer is no. There is no general obligation to insure. Required by law are the health insurance for everyone who lives in the Netherlands or pays wage tax here, and the Third-party liability cover for motor vehicles under Article 2 of the Dutch Motor Insurance Liability Act (WAM). On top of that, when you take out a mortgage the lender will almost always require buildings insurance; that is not a law but a contractual condition which you will find in the mortgage deed.
All other cover is voluntary. Nobody has to take out liability, home contents, travel or legal expenses insurance. Even so, most households have several, for one simple reason: the risk you cannot carry yourself. Damage you cause to someone else under Article 6:162 of the Dutch Civil Code can run to amounts that far exceed your savings.
There are also people with no voluntary insurance at all, and sometimes not even health insurance. That last point is not without consequences: the government can impose a fine and later an administrative premium. Anyone driving uninsured risks a fine, recovery by the Waarborgfonds Motorverkeer and registration. See also which insurance is compulsory.
Three categories together determine what almost everyone has and what they do not.
Two types of cover are laid down in law and apply to everyone who falls under them.
Not a law, but a condition set by your lender, your landlord or your client.
Everything that is not compulsory you weigh against what you can carry yourself.
What is covered
| Situation | Compulsory | Voluntary |
|---|---|---|
| Health insurance for people living in the Netherlands | Yes | No |
| Third-party liability cover for a registered motor vehicle | Yes | No |
| Buildings insurance (opstalverzekering) as a mortgage requirement | Provided that | Yes |
| Personal liability insurance (AVP) | No | Yes |
| Home contents, travel and legal expenses insurance | No | Yes |
| Own-damage or comprehensive cover on the car | No | Yes |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before taking out the policy.
Two points that show the difference between not being insured and not being covered.
Without insurance you carry the loss yourself, and where you are liable the other party's loss as well. The basis for that is set out in Article 6:162 of the Dutch Civil Code; for a building there is also the strict liability of the owner under Article 6:174 of the Dutch Civil Code and for animals the liability that follows from Article 6:179 of the Dutch Civil Code. If you drive uninsured, the Waarborgfonds Motorverkeer will pay the victim's loss, but then recovers it from you.
Having insurance says nothing about whether your loss falls under it. Excluded everywhere are intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults, and damage arising from profession or business on a private policy. Anyone who withholds information when taking out the policy also runs into Articles 7:928 and 7:930 of the Dutch Civil Code: the payment can be reduced or refused.
Insurers weigh these details differently. That is where your saving is.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
This is what people ask us most.
Two. Health insurance for everyone who lives here or pays wage tax, and third-party liability cover for motor vehicles under Article 2 of the Dutch Motor Insurance Liability Act (WAM). The latter applies even when the vehicle is standing still, as long as the registration is in your name and has not been suspended. All other insurance is voluntary, unless a contract prescribes it.
Not by law, but it is. Almost every lender includes in the mortgage conditions that the security must be insured against fire and other perils. If you do not do so, the bank can take out the insurance itself and charge you the cost. Without a mortgage you are free, but you carry the rebuilding risk yourself.
The government traces uninsured people through the records of the Sociale Verzekeringsbank (the Dutch social insurance bank). You first receive a reminder to take out insurance after all, then a fine, and if you remain in default an administrative premium is withheld from your income. In the meantime you pay all your healthcare costs yourself. If you have just come to live in the Netherlands, arrange this within the statutory period.
No, it is not compulsory and not every household has one. It is, however, the cover with the most lopsided relationship between premium and risk: the premium is modest, while personal injury you cause can run to very high amounts which are for your account under Article 6:162 of the Dutch Civil Code. The policy usually applies to all family members living at the same address.
Request a quote without obligation. We will set out the compulsory and the voluntary cover for you.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
Verzekeringen:
/
Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
/
Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
/
Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
/
Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
/
Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
/
Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
/
Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
/
Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
/
pakketten
MKB-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
/
Pakketten
Verzekeringspakket ZZP
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
/
pakketten
VvE-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
/
Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
/
Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
We use cookies and similar technologies to improve your experience on our website.