Insurance in the Netherlands
In the Netherlands, the insurance system is designed to provide financial protection and support for individuals and businesses in various aspects of life. The insurance landscape in the country is well-regulated and offers a range of coverage options.
We explore in this section
Accident insurance
An accident insurance is designed to provide financial protection in the event of an unforeseen accident or injury. It provides coverage for specific injuries or accidents that you or covered family members may sustain.
Bike insurance
There is nothing more Dutch then cycling. The Netherlands is designed for cycling, with great bike lanes passing historic streets and beautiful landscapes. For big cities like Amsterdam, Utrecht and Haarlem there is no better way to get around then on your bike. But 500.000 bikes a year get stolen. So how to feel safe?
Car insurance
Car insurance is mandatory in the Netherlands. You can choose between WA, WA+, and all-risk. We dive into all the specifics on this page and show you the best and most affordable car insurers.
Funeral insurance
Funeral insurance (uitvaartverzekering) in the Netherlands is an insurance designed to cover the costs associated with a cremation or funeral. In the Netherlands funerals can be expensive and having an insurance policy helps to relieve financial burdens for your family members or loved ones.
Health insurance
Health insurance is mandatory for all residents in the Netherlands. It covers the cost of medical treatments, hospital stays, and prescription medications.
Basic health insurance is offered by private insurance companies, but the coverage is standardized by the government to ensure a minimum level of protection for everyone. Individuals are free to choose their insurance provider, and they may also opt for additional coverage, such as dental or alternative medicine insurance.
Home insurance
Home insurance, also known as "woonhuisverzekering" in Dutch, plays a crucial role in safeguarding homeowners and tenants against unexpected events that could potentially damage or jeopardize their residence. Dutch home insurance typically encompasses two primary components: building insurance ("opstalverzekering") and contents insurance ("inboedelverzekering").
Legal insurance
Legal insurance (called Rechtbijstandverzekering restructuring dutch) is an insurance that offers help and advice concerning legal problems. For example when you are fired because of company restructuring.
Motor insurance
The Netherlands is designed to take your motor for a spin with great roads in beautiful scenery. With 1.5 million motors registered you will not be alone on the road. Insurance is mandatory however, so be sure to have that under your belt.
Personal liability insurance
Liability insurance is not mandatory in the Netherlands but over 90% of the Dutch have one. Why do you need one? It protects you from financial loss in the event that you are found legally responsible for causing harm to someone else or their property.
Pet insurance
Bringing your pet to the Netherlands can present some additional challenges, and ensuring their health and well-being is essential. Pet insurance can be a great way to protect yourself from unexpected veterinary costs, which can be high in the Netherlands. Here’s what you need to know about pet insurance as an expat.
Scooter and moped insurance
When you own a scooter or moped in the Netherlands you are required to insurance coverage. This insurance will cover damage to others or their property while using your scooter or moped. In addition to lliability coverage you can insure againt theft, damage to your own moped or scooter and personal injury.
Self-employed insurance
When you are working as freelancer (zzp-er) or self-employed with employees in the Netherlands it is not, mandatory to have insurance for illness, invalidity or unemployment. You have to make arrangements for social insurances yourself if you want to receive any benefit if you become ill or unable to work. However. Maternity leave and childcare is however possible when you are not insured. Check UWV for more information.
Term life insurance
Term life insurance in the Netherlands (tijdelijke overlijdensrisicoverzekering) is a type of life insurance policy that provides coverage for a specified period. If the policyholder dies during this term, the insurance company pays a predetermined sum to the beneficiaries.
Travel insurance
Travel insurance can give you peace of mind when you're traveling. It will cover you when your trip is canceled or interrupted, when you have a medical emergency, lost your baggage and some countries even require it. Even your trips inside the Netherlands will be covered.
