What is in your name
- Health insurance remains compulsory
- Liability and home contents continue
- The third-party obligation on the car still applies
- A change of occupation does have to be reported
Duty of care · your own policies · arrangements that fall away
How are you insured when you are not working?
When your employment ends, you remain insured for everything that is in your own name. What falls away are the arrangements that hung on your employer. Below you can read what you have to arrange yourself.
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Deze pagina in het Nederlands: Hoe bent u verzekerd zonder werk?.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- 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.
In brief
Being out of work lifts no insurance obligation at all. The health insurance remains compulsory for everyone living in the Netherlands, even without income from work; if you stop paying, a payment arrangement follows and ultimately an administrative premium. If you have a car in your name, the third-party liability obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies undiminished, even if the car is standing still. If you want to be rid of that premium, suspending the registration is the only proper route.
Your own non-life policies simply continue: liability, home contents, buildings, car, travel and legal expenses attach to you, not to your employer. It is, however, wise to report a change of occupation. Some policies, such as legal expenses with an employment module or disability cover, are based on your occupation and income.
What does fall away are the arrangements that ran through the employer: a group health insurance, accident cover for staff, a WEGAS or WEGAM cover for work-related accidents, and legal expenses cover through an employer or a trade union. Those normally end on the last day of employment.
What stays, what lapses and what you arrange yourself
Three groups together determine where you stand without work.
What ran through the employer
Group arrangements end when the employment ends.
- Group health insurance and discount
- Accident cover for staff
- WEGAS and WEGAM cover
- Legal expenses cover through the employer
What you take on yourself
A few choices you are best making before you are out of work.
- Your own legal expenses cover with an employment module
- Continuing health insurance individually
- Reviewing the payment term and the excess
- Suspending the car registration instead of cancelling the policy
What is covered
| Situation | During employment | Without work |
|---|---|---|
| Health insurance is compulsory | Yes | Yes |
| The third-party obligation for your car still applies | Yes | Yes |
| Liability and home contents covered | Yes | Yes |
| Accident cover through the employer | Yes | No |
| Legal expenses cover for an employment dispute | Provided that | Provided that |
| A dispute that was already running before the start date | No | No |
What is actually covered, including exclusions, waiting periods and excess, is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before taking out cover.
What you run into
Two points that determine whether you have the right cover at the right moment.
Taking out legal expenses cover afterwards does not work
Legal expenses insurance (rechtsbijstandverzekering) almost always has a waiting period and excludes disputes that already existed when you took out the cover or were reasonably foreseeable. Anyone who only calls once the conversation about dismissal has taken place is too late. The same applies to a mortgage payment protection insurance: that normally has a waiting period, an excess period and no cover if you resign yourself or leave by mutual consent.
Report your changed situation
Your occupation, your income and the use of your car are risk information. If anything there changes, report it; the duty of disclosure under Article 7:928 of the Dutch Civil Code applies when the contract is entered into, and the conditions usually also require changes to be reported. If that is not done, the payment can be reduced or refused (Article 7:930 of the Dutch Civil Code). Also excluded are intent and recklessness (Article 7:952 of the Dutch Civil Code) and loss arising from a profession or business on a private policy.
What does your premium depend on?
- Type of cover chosen — limited, extended or comprehensive
- Occupation and income — count towards employment-related cover
- Excess — higher excess, lower premium
- Household composition — single person or family
- Postcode area — burglary, storm and water risk
- Package and payment frequency — bundling and paying annually make a difference
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
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.
Frequently asked questions
The questions we are asked most often about this.
Do I have to keep my health insurance while out of work?
Yes. The obligation to insure attaches to living in the Netherlands, not to working. Your policy simply continues and you remain liable for the premium. If your income falls away, check whether you qualify for the healthcare allowance and whether your voluntary excess is still appropriate. If you cannot pay the premium, contact the health insurer in good time to agree an arrangement.
What happens to the insurance that ran through my employer?
It generally ends on the last day of your employment. Think of a group health insurance with a discount, accident insurance for staff and WEGAS or WEGAM cover for accidents during work or commuting. When you leave, ask on what date the cover stops, so that you are not unintentionally uninsured for a period.
Can I stop paying the premium on my car insurance?
Only by selling the car or suspending the registration with the RDW (the Dutch vehicle authority). As long as a registration is in your name and has not been suspended, Article 2 WAM requires you to have at least third-party liability cover; cancelling leads to a fine. Suspension lifts that obligation, but you may then not park or drive the vehicle on public roads.
Do I have to report that I no longer have work?
On most non-life insurance, occupation is not a premium factor and nothing changes. On legal expenses insurance with an employment module, disability cover or mortgage payment protection it is: there your occupation and income determine the cover and the premium. If you are unsure, report the change; at most it costs an adjustment to the premium and it prevents argument when you claim.
Is your situation changing?
Request a quote without obligation; we will look at which cover falls away and what you need to arrange yourself.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.