Types of insurance available in the Netherlands

What do you need before you can take out insurance?

• BSN number
• Dutch bank account
• Valid passport

Getting insurance plans

• Get the obligatory health insurance – Visit our page ‘Health insurance’
• Look at the insurances below and determine for yourself whether you need them or not. The insurances listed below are optional and you are not obligated to get them. Still, we recommend you take a critical look at these insurances and determine for yourself whether you need them or not. To avoid unexpected costs, we recommend that you get these insurances. In the compare modules we do not compare the insurances on the basis of price because prices will strongly depend on your personal situation. For example, do you live in the city or in a village? Do you have children or are you on your own? The difference tends to be just a few euros. We find it more important for an insurer to have good ratings and for the communication to be in English. On the application pages of each provider you can calculate what insurance would cost you per month.

Home Contents Insurance

Home contents insurance covers damage to the contents of your home. By contents we mean all the things in your house that are not attached to it. The kitchen does not fall under home contents insurance, but your kitchen appliances do. Home contents insurance costs between 8 and 15 euros per month, depending on where you live and what type of dwelling it is. Both renters and owners are advised to get home contents insurance. In some cases the landlord’s insurance covers the contents. Check this in advance.

Liability Insurance

Liability insurance covers damage that you cause to property of others or to other persons, for example if you accidentally drop your friend’s new iPhone or if you cause injury to someone. Research from the Dutch Association of Insurers shows that about 92% of the Dutch population has personal liability insurance.