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
Is everyone insured in the Netherlands?
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
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.
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Who is insured for what
Three levels together determine how well someone in the Netherlands is covered.
Healthcare and motor vehicles
Two private insurances that the law prescribes.
- Health insurance for residents
- Third-party liability for car, motorcycle and scooter
- Applies even when the vehicle is standing still
- Suspending the registration lifts the third-party obligation
The rest of your package
What you take out because you do not want to carry the risk yourself.
- Personal liability
- Buildings, home contents and valuables
- Legal expenses and travel
- Own-damage or comprehensive cover on the car
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.
What does your premium depend on?
- Type of cover chosen: limited, extended or comprehensive
- Sums insured: sums insured and limits
- Excess: higher excess, lower premium
- Claims history: previous claims count
- 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 where your saving is.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Being insured and being covered
Two points showing why having a policy is not the same as being protected.
Driving uninsured always comes back to you
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.
A policy always has limits
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.
Frequently asked questions
This is what people ask us most.
Can I live in the Netherlands without health insurance?
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.
Is liability insurance compulsory?
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.
Am I insured while abroad?
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.
What if someone else damages my car while uninsured?
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.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Which insurance is compulsory?Registration, Article 2 WAM, health insurance
- Insurance for trafficCompulsory third-party liability, own-damage cover, legal expenses
- Which insurance is compulsory?Statutory obligation, contract, professional rule
- Insuring your motor vehicle onlineArticle 2 WAM, registration, type of cover
- Does everyone have insurance?Compulsory, voluntary, uninsured
- How many insurance policies are there in the Netherlands?Main groups, classification, compulsory or not
- Which insurance policies are compulsory in the Netherlands?Health insurance, third-party motor liability ·. A mortgage requirement
Unsure whether your basics are right?
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.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.