Legal expenses insurance
Legal expenses insurance (rechtsbijstandverzekering) gives you legal help when you have a conflict – for example with your landlord, employer, a shop or a neighbour. The insurer’s lawyers help you, or pay for an external lawyer up to a limit.
- Choose the areas you need: consumer, work, housing, traffic, family
- Often a waiting period of about three months
- Immigration matters are usually not covered – for those, see Yari Immigration Services
Term life insurance
Term life insurance (overlijdensrisicoverzekering) pays a fixed amount if you die during the term. It is most common with a mortgage or a young family, so your partner can stay in the home.
Funeral insurance
Funeral insurance (uitvaartverzekering) pays for a funeral, either as a fixed amount or as a service. For many newcomers, repatriation to the country of origin is the key question – check that it is included.
Questions
Is there a waiting period for legal expenses insurance?
Usually yes – often three months. A conflict that already existed before you took the policy is not covered.
Do I need term life insurance with a mortgage?
It is not required by law, but some lenders ask for it, especially with a high mortgage. It protects your partner from having to sell the home if you die.
Can I be repatriated for a funeral in my home country?
Many funeral insurances offer repatriation to the country of origin, sometimes for an extra premium. Check this explicitly in the conditions.
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.