Social insurance
- National insurance schemes such as the AOW state pension and the Wlz long-term care act
- Employee insurance schemes through UWV (the Dutch employee insurance agency)
- Contributions through tax or your employer
- No choice of provider
Duty to insure · WAM · uninsured
No. Everyone living here comes under the duty to have health insurance and every motor vehicle has to have third-party liability cover, but beyond that there is no general obligation to insure. Below you can read what that means.
Deze pagina in het Nederlands: Is iedereen verzekerd in Nederland?.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Two obligations apply to everyone who falls under them. The health insurance is compulsory for anyone living in the Netherlands or paying wage tax here. The government checks this and takes action against the uninsured. The second is the Third-party liability cover for motor vehicles from Article 2 of the Dutch Motor Insurance Liability Act (WAM): as long as a registration is in your name and has not been suspended, there has to be at least liability cover, even if the vehicle is not being driven.
There are also obligations that come not from the law but from a contract. With a mortgage a lender almost always requires buildings insurance for the security, and clients regularly ask self-employed professionals for public and employers' liability or professional indemnity insurance. Such requirements are set out in the deed or in the agreement, not in the law.
All other cover is voluntary, and not everyone has it. There are households without liability or home contents insurance, and there are people driving uninsured or without health insurance. That rarely goes without consequences: fines, recovery by the Waarborgfonds Motorverkeer and an administrative premium. See also the two compulsory insurances.
Three levels together determine how well someone in the Netherlands is covered.
Statutory schemes for which you take out no policy.
Two private insurances that the law prescribes.
What you take out because you do not want to carry the risk yourself.
What is covered
| Situation | Insured | Uninsured |
|---|---|---|
| Healthcare costs are reimbursed after the excess | Yes | No |
| The victim's loss is paid | Yes | Provided that |
| The costs are recovered from you | No | Yes |
| The risk of a fine or an administrative premium | No | Yes |
| Your own damage is for the policy to bear | Provided that | No |
| Damage caused deliberately is paid | No | No |
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 showing why having a policy is not the same as being protected.
The victim of a collision with an uninsured vehicle can turn to the Waarborgfonds Motorverkeer. That fund pays the loss, but then recovers it in full from the person who caused it. On top of that comes the penalty for breaching Article 2 of the Dutch Motor Insurance Liability Act (WAM). Something similar applies to your home: as owner you are liable under Article 6:174 of the Dutch Civil Code for defects in your building, insured or not.
Being insured is not the same as being covered for everything. Permanently excluded are intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults, damage from profession or business on a private policy, and disputes already running before the legal expenses cover started. Anyone withholding information when taking out the policy runs into Articles 7:928 and 7:930 of the Dutch Civil Code and in effect is left with a policy without cover.
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.
Not without consequences. Anyone living here or paying wage tax is obliged to insure. The uninsured are traced and first receive a reminder, then a fine and ultimately an administrative premium withheld from their income. In the meantime you pay all healthcare costs yourself. If you have just come to live in the Netherlands, arrange it within the statutory period.
For private individuals, no. You are, however, liable yourself under Article 6:162 of the Dutch Civil Code for damage you cause unlawfully, and with personal injury that runs high. For the keeper of an animal there is also the strict liability of Article 6:179 DCC: you are liable for damage caused by your dog or horse, even without any fault of your own.
That depends on the area of cover. Liability and home contents cover normally applies worldwide or in Europe with limitations, and car insurance applies in the countries on the green card. Healthcare costs are not always reimbursed in full outside the Netherlands. Check the area of cover and the maximum period of stay on each policy before you go away for a longer time.
If the person responsible is known but uninsured, you can turn to the Waarborgfonds Motorverkeer. That also applies, subject to conditions, where the person responsible is unknown. If you have own-damage or comprehensive cover yourself, your own insurer usually settles the claim and tries to recover the amount. In both cases report the matter to the police and notify the claim as soon as possible.
Request a quote without obligation. We will check that the compulsory and the usual cover is in order.
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.
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