The personal insurance package

Usually buildings, home contents, glass, liability, legal expenses, travel and personal accident, and with many companies the motor vehicles as well. Valuables can sometimes be included as a separate section. Health insurance does not belong in it: that falls under the Dutch Health Insurance Act and you take it out directly with a health insurer. Which sections are available differs from one company to another.

Usually yes, in whole or in part. The discount is linked to the number of sections. If one falls away, the discount percentage is set again and the premium of the remaining parts rises. Take that into account before you place one cover elsewhere, because the benefit may then turn out smaller than it looks.

Most general insurance policies can be cancelled on any day after the first contract year, with a notice period of usually one month. In the first year the contract term often applies. With a package you can usually also end individual sections. Check this in your policy conditions and make sure replacement cover starts without a day's gap.

For ordinary situations it works well and gives you an overview and a discount. If you have a thatched roof, a listed building, a let property, a classic car or valuable jewellery, the conditions at a specialist insurer are often better. A combination of a package with one separate specialist policy is then a realistic option.