Healthcare and motor third-party liability
- Health insurance for residents
- Third-party liability cover per motor vehicle (Article 2 WAM)
- Also applies to a stationary car with a registration
Which insurance is recommended?
Recommended is not the same as compulsory. The only compulsory ones are health insurance for residents and third-party liability cover for a motor vehicle. The recommended ones are mainly liability, home contents and legal expenses cover.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
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
The short answer: the recommended ones are personal liability insurance (AVP), a home contents insurance and, for many households, legal expenses insurance. None of the three is compulsory. The only compulsory ones are health insurance for residents and third-party liability cover for every motor vehicle in your name (Article 2 of the Dutch Motor Insurance Liability Act (WAM)). Buildings insurance is a requirement of the mortgage lender, not a law.
The order is not 'what costs little' but 'what can I not bear myself'. A liability claim based on a wrongful act (Article 6:162 of the Dutch Civil Code) can have effects for years, certainly with personal injury. Your home contents are gone in one go in a fire. Small, predictable costs are better paid yourself.
Other covers are only worthwhile if the risk is there: a buildings insurance with a home you own, own-damage cover for a car you cannot do without, travel insurance if you travel a lot.
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)Photo coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What is compulsory and what is recommended?
The three categories into which private insurance falls.
Liability and home contents
Not compulsory, but without these policies you bear losses that can run high.
- The AVP covers damage to others in private situations
- Home contents cover protects your belongings against fire and burglary
- Legal expenses cover for disputes and recovering injury claims
Only where there is a real risk
Needed as soon as you actually have the property or risk concerned.
- Buildings cover with a home you own or a second home
- Own-damage cover for a car you cannot replace
- Travel and cancellation cover if you travel often
What is covered
| Situation | Compulsory | Recommended |
|---|---|---|
| Health insurance if you live or work in the Netherlands | Yes | Yes |
| Third-party liability cover for a car, motorcycle or scooter in your name | Yes | Yes |
| Personal liability insurance (AVP) | No | Yes |
| Home contents insurance for your household goods | No | Yes |
| Buildings insurance with a home you own with a mortgage | Provided that | Yes |
| Legal expenses insurance for disputes | No | Provided that |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Household composition: single person or family
- Sum insured: contents value and AVP limit
- Postcode area: burglary and water risk
- Type of cover: extended or comprehensive
- Excess: higher risk, lower premium
- Package discount: several policies together
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.
What to look out for
Two things that determine whether such a policy really helps you.
Recommended does not mean everything is covered
The recommended policies have firm limits too. An AVP does not cover damage arising from a profession or business, damage caused with a motor vehicle or, beyond limited care, custody and control cover, damage to borrowed items. A home contents insurance does not pay for wear and tear, vermin, mould or gradual damp. A legal expenses insurance has a waiting period and does not cover a dispute that is already running. Intent and recklessness are excluded everywhere (Article 7:952 of the Dutch Civil Code).
Complete the application in full
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code: questions about your situation, claims history and any criminal record have to be answered correctly. If that is not right, the insurer can reduce or refuse payment (Article 7:930 of the Dutch Civil Code). Report changes such as room letting or a business at home, and report a loss as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Which insurance is genuinely compulsory in the Netherlands?
Two. Health insurance for everyone who lives or works in the Netherlands, and third-party liability cover for every motor vehicle in your name, under Article 2 of the Dutch Motor Insurance Liability Act. That second obligation also applies to a car that is not used, unless you suspend the registration.
Is buildings insurance (opstalverzekering) required by law?
No. There is no law requiring you to insure your home. Almost every mortgage lender does make buildings insurance a condition, because the property serves as security. With a flat this usually runs through the VvE's joint buildings policy, arranged in the division regulations.
Do I need legal expenses insurance?
That depends on your situation. It is mainly worthwhile with a home you own, an employment contract or building work. Watch out for the waiting period, usually three months, and for the fact that a dispute already running is never covered. Tax and criminal cases are usually outside it.
Can I skip insurances to save money?
You can, provided you can bear the loss yourself. Small, predictable costs do not need insuring. It becomes risky with liability for personal injury and with the loss of all your home contents: amounts a household rarely absorbs itself. In that case choose a higher excess instead.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Does everyone have insurance?Compulsory, voluntary, uninsured
- Which insurance policies are compulsory in the Netherlands?Health insurance, third-party motor liability ·. A mortgage requirement
- Insurance for expats in the NetherlandsDuty of care, compulsory third-party cover, liability
- Insurance in the NetherlandsCompulsory, customary, supervision
- Which insurances are the most common?Compulsory, conditional, voluntary
- Which two types of insurance are compulsory?Health insurance, third-party motor liability ·. The rest is contractual
- Which insurance is compulsory?Registration, Article 2 WAM, health insurance
Read more
Would you like to know what suits your situation?
Request a quote without obligation. We look at which covers you need.
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.