The insurance we arrange for you

Often yes, and that provides a discount and one renewal date. It is not an end in itself: sometimes a company will not accept an unusual risk, such as a thatched roof or a business at home. Spreading the risk is then wiser. We assess case by case what works out best and explain the difference before you choose.

That happens regularly, for example with legal expenses cover running both separately and within a package, or with travel cover already included in a credit card or a continuous policy. Insuring twice does not produce a double payout; indemnity insurance pays no more than the actual loss. A review of your policies removes those duplications.

For a motor vehicle, liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Basic health insurance is compulsory by law. An obligation can also follow from a contract: a mortgage lender requires buildings insurance, and a landlord or client may require liability cover. The remaining insurance is a matter of your own judgement.

Report it. Building work, moving house, moving in together, a new car, taking on staff or a second activity within your business almost always affect one or more policies. An unreported change can lead to a lower payout when there is a claim. We adjust the policies and check whether the sums insured are still right.