Insurance in the Netherlands

Understand Insurance in the Netherlands Before You Compare Providers

Dutch insurance spans compulsory healthcare, everyday protection for belongings and liability, vehicle and travel risks, and longer-term cover for income, life or funeral costs. This resource organizes represented providers and products by what they insure, while explaining why exclusions, excess, limits, eligibility and contract structure matter. Build context here, open a provider profile, and confirm current terms in official policy documents before deciding.

Search providers Browse by insurance type

Every kind of insurance, grouped the way you shop for it

Dutch insurers sell dozens of separate policies, from aansprakelijkheidsverzekering and inboedelverzekering to supplementary health, dental, travel and vehicle cover. Start from the family that matches your situation and open a type to see which represented providers offer it and how many products each one documents.

Home and belongings

289 products · 7 insurance types

Liability for damage you cause, your possessions inside a rented or owned home, the building itself, valuables, glass and holiday homes.

Vehicles and mobility

581 products · 12 insurance types

Cars, motorcycles, mopeds, bicycles, campers, caravans, boats and trailers, plus roadside assistance and cover for the people travelling with you.

Travel

249 products · 2 insurance types

Medical costs, baggage and cancellation cover for holidays and longer stays abroad, on an annual or single-trip basis.

Health and care

779 products · 5 insurance types

The mandatory Dutch basic health insurance, supplementary and dental packages, cover for a stay abroad and personal accident insurance.

Legal and income

196 products · 4 insurance types

Legal assistance for disputes with a landlord, employer or seller, plus income protection if you cannot work and cover for online risks.

Life and funeral

47 products · 3 insurance types

Term life insurance that protects a mortgage or family income, whole-of-life policies and funeral insurance paid out in kind or in cash.

Pets and animals

56 products · 2 insurance types

Veterinary costs for dogs, cats and other pets, and specialist cover for horses and riders.

Other cover

35 products · 4 insurance types

Electronics, wedding and event cover, combined packages and other personal policies that do not fit a single category.

Renting in the Netherlands

The four policies that come up when you rent

Not every insurance matters on day one of a Dutch tenancy. These four are the ones landlords, municipalities and housemates ask about most. Each card explains the role of the cover in plain language and links to the represented products, so you can compare real policies instead of guessing.

Personal liability (aansprakelijkheidsverzekering)

Covers damage you accidentally cause to other people or their property, including damage to a rented home. It is not required by law, but many Dutch leases ask tenants to hold it, and it is the cheapest cover most households carry.

41 products from 30 providersCompare Personal liability products

Contents insurance (inboedelverzekering)

Covers the things you own inside the home after fire, burglary, water damage or storm. Your landlord's buildings policy stops at the walls, so furniture, laptops and bikes stored indoors are your own responsibility.

91 products from 42 providersCompare Contents products

Legal expenses (rechtsbijstandverzekering)

Pays for legal help in disputes with a landlord, employer, seller or neighbour. Deposit refunds, rent increases and service charge arguments are common reasons tenants use it, subject to the waiting period.

161 products from 29 providersCompare Legal expenses products

Basic health insurance (basisverzekering)

Mandatory for everyone who lives or works in the Netherlands, usually within four months of registering. The government sets the covered care; insurers compete on premium, excess and contracted providers.

79 products from 36 providersCompare Basic health products

Broadest ranges

Providers with the most documented products

The insurers and distributors Luntero has documented most fully. Each profile lists every represented product grouped by insurance type, with the coverage table, exclusions, premium basis, eligibility rules and contract terms behind each one.

Browse all providers

Univé

Insurance provider

145
products: 26
insurance types

Home and belongings: 1313
Vehicles and mobility: 6060
Travel: 1212
Health and care: 3535
Legal and income: 1616
Life and funeral: 0
Pets and animals: 88
Other cover: 11

7 families covered · Vehicles and mobility, Health and care, Legal and income

Checked Sep 2026View provider

Nh1816 Verzekeringen

N.V. Noordhollandsche van 1816, Schadeverzekeringsmaatschappij

124
products: 22
insurance types

Home and belongings: 2525
Vehicles and mobility: 6868
Travel: 1111
Health and care: 22
Legal and income: 1616
Life and funeral: 0
Pets and animals: 0
Other cover: 22

6 families covered · Vehicles and mobility, Home and belongings, Legal and income

Checked Sep 2026View provider

Zilveren Kruis

Insurance provider

123
products: 3
insurance types

Home and belongings: 0
Vehicles and mobility: 0
Travel: 0
Health and care: 123123
Legal and income: 0
Life and funeral: 0
Pets and animals: 0
Other cover: 0

1 family covered · Health and care

Checked Sep 2026View provider

ANWB

Insurance provider

111
products: 19
insurance types

Home and belongings: 66
Vehicles and mobility: 4141
Travel: 3434
Health and care: 1010
Legal and income: 1919
Life and funeral: 0
Pets and animals: 0
Other cover: 11

6 families covered · Vehicles and mobility, Travel, Legal and income

Checked Sep 2026View provider

Nationale-Nederlanden

Insurance provider

95
products: 20
insurance types

Home and belongings: 2020
Vehicles and mobility: 3939
Travel: 1616
Health and care: 88
Legal and income: 77
Life and funeral: 33
Pets and animals: 0
Other cover: 22

7 families covered · Vehicles and mobility, Home and belongings, Travel

Checked Sep 2026View provider

OHRA

Insurance provider

94
products: 18
insurance types

Home and belongings: 1010
Vehicles and mobility: 2929
Travel: 1414
Health and care: 2121
Legal and income: 66
Life and funeral: 0
Pets and animals: 1414
Other cover: 0

6 families covered · Vehicles and mobility, Health and care, Travel

Checked Sep 2026View provider

a.s.r.

ASR Nederland N.V.

90
products: 24
insurance types

Home and belongings: 99
Vehicles and mobility: 3434
Travel: 44
Health and care: 3737
Legal and income: 33
Life and funeral: 22
Pets and animals: 11
Other cover: 0

7 families covered · Health and care, Vehicles and mobility, Home and belongings

Checked Sep 2026View provider

Interpolis

Insurance provider

81
products: 25
insurance types

Home and belongings: 66
Vehicles and mobility: 3737
Travel: 1212
Health and care: 1313
Legal and income: 1111
Life and funeral: 22
Pets and animals: 0
Other cover: 0

6 families covered · Vehicles and mobility, Health and care, Travel

Checked Sep 2026View provider

How to read a policy

Six things every product record documents

Luntero records the same facts for every insurance product, straight from the policy wording, the insurance card (IPID) and the provider's own pages. Reading them in this order turns a marketing page into a comparison you can actually make.

01
Coverage points
Each policy lists what is included, what is optional, what applies only under conditions and what is excluded, with the limits and waiting periods attached to each point.
02
Exclusions
The situations a policy will not pay for, such as damage to phones under an all-risk option or business items in a contents policy. Read these before the headline benefits.
03
Premium basis
Whether the price is a fixed monthly amount, an advertised starting price or a personal quote that depends on your address, age and chosen options.
04
Excess and limits
The amount you pay yourself per claim (eigen risico) and the maximum the insurer pays per item, per claim or per year.
05
Eligibility
Age limits, residency requirements, household types, whether students and shared households are accepted and which documents the application asks for.
06
Contract and cancellation
Minimum term, renewal model, cooling-off period, notice period and the rules that decide when cover actually starts.

Find insurance by provider, product or risk

When you know a company, policy name or protection need, use insurance search to narrow the represented options. Then open the provider profile and verify current coverage, pricing, eligibility and conditions at the source.

Search providers

Find a provider by name or the insurers that offer a specific type of policy, then open the products behind it.

Search providers

Browse by type

Liability, contents, health, travel, vehicles and more, grouped into families with live product counts.

See insurance types

Decode the Dutch terms

Eigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.

Open the glossary

Newest Properties in the Netherlands

Explore the latest properties added to Luntero. Find new apartments, houses, and studios across the Netherlands — updated daily to help you discover your next home faster.