Required, advised or optional?
Required
Health insurance for everyone who lives or works here. WA car insurance if you own a car.
Strongly advised
Liability insurance and contents insurance, for every household.
Depends on you
Travel, legal expenses, building (owners), disability (self-employed), life and funeral.
Usually skip
Insurance for small items like phones, offered at the till – often expensive for little cover.
Dutch insurance words
Polis
Your policy – the contract with the insurer.
Premie
What you pay, monthly or yearly.
Eigen risico
The part of a claim you pay yourself.
Dekking
What the insurance covers.
Eigen bijdrage
A personal contribution for some care, separate from the own risk.
Schadeformulier
The claim form.
Assurantiebelasting
21% insurance tax on most insurances – not on health insurance.
Opzegtermijn
Notice period to cancel – usually one month after the first year.
Claims and complaints
Report quickly
Report damage as soon as possible, with photos and receipts.
Police report
For theft or burglary, most insurers ask for a police report.
Avoid insurance scams
Unexpected calls
Never give your BSN or bank details to a caller who says he is from your insurer.
Pay the company
Pay premiums to the insurer’s company account – never to a private account.
Too cheap?
Policies far below market price, sold through social media, are a warning sign.
123 Insurance gives general information and refers you to licensed insurers and advisers. We are not an insurer, we do not sell policies and we do not give personal insurance advice. Amounts are for 2026 unless stated otherwise – always check the official source and your policy conditions.