Who does not want to be able to enjoy his or her holiday. Unfortunately, things often happen that you are not able to foresee. It can sometimes happen that your wallet is stolen or that your luggage is badly damaged. We ensure that you can travel with peace of mind with the right travel insurance.
To put it very simply, you apply for a travel insurance before leaving.You want to travel with peace of mind, without having to constantly think aboutwhat if something happens. You can take out a travel insurance only for thedays that you are traveling, but you can also take out a continuous travelinsurance that always remains active. In addition, you also have Europe andWorld coverage. This really depends on your situation and what kind of traveleryou are.
The costs for travel insurance vary from €15 per month to €100 or moreper month. This depends on your coverage, modules you choose, duration etc.
Contact one of our experienced advisors directly to discuss all the options.This can be done at our office or by telephone.
If you travel often, it is useful to take out a continuous cancellation insurance. For example, if your travel documents are stolen a day before departure or if a family member suddenly dies, you can cancel your trip with cancellation insurance and have the costs reimbursed, in most cases. This is very convenient because you have something else on your mind at that moment.
There are a number of most common cases in which the cancellation insurance reimburses, namely:
• A family member becomes seriously ill or dies
• You don't get a visa
• You lose your travel documents a day before departure and the new documents are not ready on time
You can, of course, think of more situations, but this depends on the insurance company and what it finds acceptable. Is there a specific scenario in which you would like to know whether the insurance company reimburses? Please contact our experienced advisors now and discuss the options.
The most common types are health insurance (mandatory), car insurance (mandatory for vehicle owners), home insurance (building and/or contents), liability insurance, travel insurance, life insurance, legal expenses insurance, funeral insurance, and pet insurance. Some are required by law, others are optional but widely recommended.
Everyone living or working in the Netherlands must have basic health insurance. Car owners must have at least third-party liability insurance. For homeowners with a mortgage, building insurance is usually required by the lender, though not by law.
Basic health insurance (basisverzekering) covers general practitioner visits, hospital care, specialist care, prescription medication, maternity care, and some medical equipment. You can add supplementary insurance for things like dental care or physiotherapy.
Personal liability insurance (aansprakelijkheidsverzekering) covers damage you accidentally cause to others or their property. It is not compulsory but highly recommended. Liability insurance for motor vehicles (WA-verzekering) is compulsory for vehicle owners.
Home insurance typically includes building insurance (opstalverzekering) for the physical structure and contents insurance (inboedelverzekering) for your belongings. Building insurance is often required for homeowners with a mortgage; contents insurance is important for both owners and tenants.
Building insurance covers the structure of your home (walls, roof, fixtures), while contents insurance covers movable items inside your home (furniture, electronics, clothing). Both can usually be combined in a single policy.
For health insurance, the deductible is a fixed amount you pay yourself each year (currently €385) before the insurer starts covering costs. Other insurances may also have a deductible, which can vary by policy.
Yes, expats and non-residents can take out most types of insurance. Health insurance is mandatory for anyone living or working in the Netherlands. Many insurers offer information and policies in English.
Optional insurances include travel insurance, legal expenses insurance, life insurance, funeral insurance, pet insurance, bicycle insurance, and accident insurance. These provide extra protection depending on your lifestyle and needs.
Contact your insurer as soon as possible, provide all requested documentation (such as receipts or police reports), and follow their procedures. Your policy will outline what is covered and any conditions for claims.
Assess your personal situation (homeowner or tenant, car owner, family status), legal requirements, and risks you want to cover. Compare policies, premiums, coverage, and deductibles. Seek advice if needed, especially for complex situations.
Yes, many providers offer bundled packages (e.g., home, contents, and liability insurance) at a discount. This can simplify administration and sometimes reduce costs.
You may need to cancel or adjust your policies. For health insurance, coverage generally ends when you deregister from the Netherlands or stop working here. Always inform your insurers of your new situation.
Premiums vary by type of insurance, coverage, value of insured items, location, and personal risk profile. For example, basic contents insurance starts at around €50–€150 per year, while building insurance averages €150–€250 per year. Health insurance premiums are set annually.