Which two types of insurance are compulsory?
Two are required by law. Everything else comes from contracts or professional rules.
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Basic health insurance
Compulsory for everyone who lives or worksin the Netherlands. You choose the insurer yourself. The basic package is laid down by law and is the same everywhere.
The excess applies per year and has a statutory minimum. Supplementary insurance is voluntary.
Third-party liability insurance for motor vehicles
Compulsory under the Dutch Motor Insurance Liability Act (WAM), for as long as a registration is in your name.
That also applies when the car is not used. If you are not driving for a while, you can suspend the registration the registration with the RDW. The obligation then lapses.
What else can be compulsory
Your mortgage lender almost always requires buildings insurance (opstalverzekering). Your client can require public and employers' liability insurance (AVB) with a minimum sum insured.
With a VvE there is an obligation to insure the building under Article 5:112 of the Dutch Civil Code. That rests on the association.
Some professional registers require professional indemnity insurance (BAV).
What is not compulsory but still counts
Personal liability insurance. A single injury claim can exceed your assets, because the loss is calculated over the whole of the victim's life.
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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.
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.
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.
What applies with a VvE?
There buildings insurance is required by law, under Article 5:112 of the Dutch Civil Code.
Is liability insurance compulsory?
No, but the risk is big enough to have it anyway.