Healthcare and motor third-party liability
- Health insurance for residents
- Third-party liability per motor vehicle (Article 2 of the Dutch Motor Insurance Liability Act (WAM))
- Including for a stationary car with a registration number
Zip insurance: what does it mean?
Zip insurance does not exist as a product in the Netherlands. It is usually a typing error or an internal working name. Below you can read which policies do exist.
- 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
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 would rather not name cover that does not exist. There is no insurer in the Netherlands offering a product under the name zip insurance. In reality we see two explanations: a slip for zzp insurance, the umbrella term for a self-employed professional's policies, or an internal package name an intermediary has given to a combination of policies.
If you are looking for cover as a self-employed professional, it is almost always about public and employers' liability, professional indemnity for advisory work, cover for tools or a laptop, legal expenses and a provision for disability. If it concerns your private situation, it is about health, liability, home contents, buildings and your vehicle.
Never judge a policy by its name. The insurance card (verzekeringskaart) and the policy conditions tell you what is covered, which amounts apply and what is excluded. Insurers may name products as they wish. Only the conditions are binding.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
Which policies do exist?
Three groups covering virtually every question.
Liability and possessions
Not compulsory, but losses you pay yourself without these policies.
- AVP for damage to others
- Home contents for fire and burglary
- Buildings for a home you own
Business covers
If you work for clients, your private policy stops there.
- Public, employers' and professional liability
- Tools, laptop and stock
- Legal expenses and income if you are unable to work
What is covered
| Situation | Private | As a self-employed professional |
|---|---|---|
| Health insurance if you live or work in the Netherlands | Yes | Yes |
| Third-party liability cover for a vehicle in your name | Yes | Yes |
| Personal liability insurance (AVP) | Yes | Provided that |
| Home contents and buildings cover for your home | Yes | Provided that |
| Liability for work carried out for clients | No | Yes |
| Cover for long-term disability | No | Yes |
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?
- Type of cover: private or business
- Sum insured: limit or sum insured
- Excess: higher risk, lower premium
- Postcode area: burglary and water risk
- Occupation or activities: this determines the risk class
- 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 points when looking for the right policy.
Search on cover, not on name
Describe what can go wrong and find the cover that matches: damage to someone else, loss of your possessions, loss of income, or a legal dispute. Names such as 'complete package', 'security plan' or an abbreviation say nothing about the content. Always ask for the insurance card (verzekeringskaart): it sets out in a fixed format what is and is not covered, which limits apply and which excess applies.
Every policy has exclusions
Whatever the name, certain things stay outside the cover. Excluded are, among other things, intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and gradually acting moisture, and damage arising from a profession or business on a private policy. Legal expenses insurance also has a waiting period and does not cover a dispute already running. Complete the application correctly: the duty of disclosure in Article 7:928 of the Dutch Civil Code applies, and a breach can cost you the payment (Article 7:930 of the Dutch Civil Code).
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
Does zip insurance exist?
Not as a product. No Dutch insurer offers a policy under that name, and there is no form of cover called that. So we are not going to invent conditions for it. It usually turns out to be zzp insurance or a package name a provider has thought up itself for a combination of ordinary policies.
Do you mean zzp insurance, then?
That is the most likely reading. Zzp insurance is itself an umbrella term as well: it covers public and employers' liability, professional indemnity, cover for tools and equipment, legal expenses and a provision for disability. Which of those you need depends on your work, your clients and your financial buffer.
How do I check what a policy really covers?
Read the insurance card (verzekeringskaart) and the policy conditions. The insurance card is a standardised overview of cover, exclusions and limits. Pay particular attention to the exclusions, the excess, the territory and the sums insured. If you are unsure about a term, ask for an explanation before you sign, not after there is a claim.
I do not know which insurance I need. What now?
First set out which events you could not absorb financially: liability for injury, loss of your home or contents, loss of income. Insure those risks first. Small, predictable costs are better carried yourself. An adviser will go through that assessment with you.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Business insurance at a glanceLiability, assets, continuity
- Business insurance by sectorInsured capacity, sector, risk class
- The process operator and their insuranceProcess industry, 6:162 BW, care, custody and control
- Business insurance tailored to your companyReview, insured capacity, sums insured
- Which insurance is recommended?Liability, home contents, legal expenses
- What kinds of insurance exist?Property, liability, income
- How many insurance policies are there in the Netherlands?Main groups, classification, compulsory or not
- Business insurance: what does that mean?Umbrella term, liability, business assets
Read more
Not sure which cover you are looking for?
Request a quote without obligation. We work out which policy you mean.
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.