Non-life insurance
- Buildings, home contents and valuables
- Car, motorcycle, caravan and boat
- Liability, private and business
- Legal expenses and travel
How many insurance policies are there in the Netherlands?
There is no exact answer to this question: insurers classify their own products and combine cover into packages. There is, however, a fixed division into main groups. We set those out here.
- 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
We deliberately give no hard figure. What counts as a separate insurance depends on the classification: a home package can consist of four policies or of one policy schedule with four sections, and insurers sometimes bring the same cover to market under different names. Every year products disappear and new ones arrive, for example around electric vehicles and cyber risks.
What is certain is the classification. Broadly there are three worlds: non-life insurance (your possessions, your liability and your legal assistance), life and income insurance (a payment on death or disability) and health insurance, which has its own statutory framework. Alongside those there are the national and employee insurance schemes; those are social insurance provided by the government and not products you take out yourself.
For your own situation the number of products is not what matters, but the question of which risks you run. Only health insurance for residents and third-party liability cover for motor vehicles are compulsory (Article 2 of the Dutch Motor Insurance Liability Act (WAM)); with a mortgage the lender almost always requires buildings insurance. See also all types of insurance.
Independent, personal, sorted quickly
We compare your insurance package 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.
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The main groups
Three groups in which almost every insurance product can be placed.
Life and income
Pay out on death or when income falls away.
- Term life insurance
- Incapacity for work for the self-employed
- Accident and sickness absence cover
- We do not advise on this
Healthcare and social insurance
Health insurance and the statutory schemes provided by the government.
- Basic insurance with an excess
- Additional packages
- National insurance schemes such as the AOW state pension
- Employee insurance schemes through UWV (the Dutch employee insurance agency)
What is covered
| Situation | Take out yourself | By operation of law |
|---|---|---|
| Buildings, home contents and liability insurance | Yes | No |
| Third-party liability cover for a motor vehicle | Yes | No |
| Health insurance for people living in the Netherlands | Yes | No |
| National insurance schemes such as the AOW state pension and the Wlz long-term care act | No | Yes |
| Employee insurance schemes such as WW and WIA | No | Yes |
| Disability cover for the self-employed | Yes | 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?
- Number and type of cover: which risks you insure
- 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.
Why a number says little
Two points explaining why you are better off looking at risks than at numbers.
The same cover, a different name
Insurers use different product names for comparable cover and bundle sections into packages. Counting therefore produces no usable figure. So compare on content: which causes are covered, which sub-limits apply, is there guarantee against underinsurance and what excess goes with it. The insurance card sets out that core in standardised form.
More policies is not more certainty
Anyone with many policies often has duplicate cover, for example glass appearing on both the buildings and the home contents policy, or travel cover alongside credit card cover. At the same time the same risks remain excluded in every policy: 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 damage that already existed before the start date.
Frequently asked questions
This is what people ask us most.
Is there an official list of all insurance?
An exhaustive list does not exist. Insurers do work with standardised insurance cards for each product type, so that you can compare cover, exclusions and limits in the same way. The supervisory system also has a division into classes, but that follows insurers' administration and not the way products are offered to consumers.
How many insurance policies does a household have on average?
That varies widely and we therefore give no figure. Most households have at least health insurance, liability insurance and home contents insurance, and where they own their home, buildings insurance. On top of that come types of cover attached to possessions: car, caravan, boat or valuables. Anyone renting and without a car manages with considerably fewer policies.
Do national insurance schemes count?
Not as a product you take out. National schemes such as the AOW state pension and the Wlz, and employee schemes such as WW and WIA, are statutory arrangements. You are insured under them by operation of law and pay contributions through tax or through your employer. You choose no provider and there is no policy. They therefore do not belong in comparisons with private insurance.
Are new types of insurance still appearing?
Yes, the market moves with new risks. In recent years that has mainly been about electric transport, charging points and home batteries, about cyber and data risks and about cover for sustainable installations. At the same time products disappear or are absorbed into packages. That is precisely why a fixed number is not a durable answer.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Other insurance not included: what is not in your package?Package policy, separate policies, gaps in cover
- The personal insurance packageOne policy schedule, sections, package discount
- The usual personal insurance policiesHome, liability, transport
- Which personal insurance do you need?Home, liability, transport
- Insurance package for private individualsOne policy schedule, package discount, separate conditions
- Is everyone insured in the Netherlands?Duty to insure, WAM, uninsured
- Which insurance policies are compulsory in the Netherlands?Health insurance, third-party motor liability ·. A mortgage requirement
Prefer to know which ones you need yourself?
Request a quote without obligation. We will set out your risks and the cover that goes with them.
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.