Which insurances are compulsory in the Netherlands?
Two are required by law. On top of that, contracts and professional rules can require cover, and that is just as binding.
This page in another language: Nederlands
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
Compulsory by law
The basic health insurance for everyone who lives or works in the Netherlands.
The Third-party liability insurance for motor vehicles under the Dutch Motor Insurance Liability Act. That applies for as long as a registration is in your name, even if you do not drive.
Required by contract
Your mortgage lender almost always requires buildings insurance (opstalverzekering) with itself as interested party.
Your landlord can require liability insurance; your client public and employers' liability insurance (AVB) with a minimum sum insured.
A contractual requirement is just as binding as a statutory one. The only difference is who enforces it.
Required by profession
Some professional registers require professional indemnity insurance (BAV) with a minimum level of cover. Without that policy your registration is at risk.
In regulated professions (lawyers, civil-law notaries, accountants, healthcare providers) that is the norm.
What is not compulsory but still counts
The personal liability insurance. Not compulsory, but a single injury claim can exceed your assets because the loss is calculated over the whole of the victim's life.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Personal liability insurance (AVP)
Compare
Get coveredRead more
Within Aansprakelijkheidsverzekering
Similar pages
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.
Frequently asked questions
This is what people ask us most.
Which insurances are compulsory by law?
Basic health insurance and third-party liability insurance for motor vehicles.
Is buildings insurance (opstalverzekering) compulsory?
Not a legal requirement, but your mortgage lender will almost always require it.
Can a client require a policy?
Yes; a contractual requirement is just as binding as a statutory one.
Do professional registers require insurance?
In many regulated professions they do, with a minimum level of cover.
Is liability insurance compulsory?
No, but the risk with personal injury is big enough to have it anyway.
Does the third-party liability obligation apply when the vehicle is not used?
Yes, as long as the registration is in your name; suspending the registration ends that.