Private household liability with no standard excess and €25,000 sublimits for friend services, borrowed property, sports, games and lodging.
3 conditional
N.V. Noordhollandsche van 1816, Schadeverzekeringsmaatschappij
Nh1816 Verzekeringen is represented on Luntero with 124 products across 22 insurance types, each documented from the provider's own policy wording. Compare cover, price basis, eligibility and cancellation terms here, then confirm the current conditions with Nh1816 Verzekeringen before you apply.
Range at a glance
6 of 8 insurance families
Nh1816 Verzekeringen has an extensive represented personal range covering buildings, contents, liability, cars, motorcycles, mopeds, bicycles, boats, campers, caravans, trailers, travel, legal expenses, accidents and valuables. Many entries are optional clauses or enhancements rather than standalone policies, and access commonly runs through an adviser. Use this profile to identify the base product and relevant additions, then verify advice, package dependencies, valuation, excess, security, limits and exclusions.
Jump to an insurance type
Private household liability with no standard excess and €25,000 sublimits for friend services, borrowed property, sports, games and lodging.
3 conditional
Adjusts the personal-liability policy for qualifying hunting liability in the Netherlands.
1 conditional
Adds a voluntary €90 excess in exchange for a premium discount.
1 conditional
Nh1816 Inboedelverzekering Extra Uitgebreid: Named-event cover reserved for rental of the entire home and contents.
1 conditional · 1 excluded
Nh1816 Inboedelverzekering Optimaal: Broad external-cause cover with non-primary flood protection.
2 conditional · 1 excluded
Covers separately declared camper contents against eligible damage, theft or loss.
1 conditional
Separately declared holiday-home contents at new value.
1 conditional
Separately declared static-caravan contents at new value, subject to a restrictive contents definition.
1 conditional
Adds another 10% of the insured contents sum for eligible garden property above the standard 10%.
1 conditional
Nh1816 Woonhuisverzekering Extra Uitgebreid: Named-event cover reserved for rental of the entire home and contents.
1 conditional · 1 excluded
Nh1816 Woonhuisverzekering Optimaal: Broad external-cause cover with non-primary flood protection.
2 conditional · 1 excluded
Adds 10% of an eligible claim, up to €100,000, for repair or improvement including sustainability; glass-only loss is excluded.
1 conditional · 1 excluded
Buys out the standard €250 storm excess for an additional premium.
1 conditional
Five-year unlimited underinsurance guarantee that also captures interim home alterations under its valuation process.
1 conditional
Declared valuables generally worldwide at appraisal value; paintings and audio/video equipment remain home-limited except specified optics and photo/video gear.
1 conditional
Nh1816 Recreatiewoningverzekering Extra Uitgebreid: Named-event cover available only for a fully rented property and contents.
1 conditional · 1 excluded
Nh1816 Recreatiewoningverzekering Optimaal: Broad external-cause cover for an eligible owner-used recreation property.
2 conditional · 1 excluded
Nh1816 Stacaravanverzekering Extra Uitgebreid: Named-event cover available only for a fully rented property and contents.
1 conditional · 1 excluded
Nh1816 Stacaravanverzekering Optimaal: Broad external-cause cover for an eligible owner-used recreation property.
2 conditional · 1 excluded
Covers a separately declared veranda, storage structure or other outbuilding.
1 conditional
Nh1816 Recreatiewoning Verhuurdekking: Adds temporary private rental and landlord liability up to €1 million.
2 conditional
WA plus named damage to the insured car, with €3,000 of accessories included.
2 included · 1 excluded
The broadest car tier adds own collision, parking and vandalism damage.
3 included
Mandatory third-party cover sold only through a local independent adviser.
1 included · 1 excluded
The Beperkt Casco level for an insured delivery van, arranged through a local adviser.
2 included · 1 excluded
The Volledig Casco level for an insured delivery van, arranged through a local adviser.
3 included
The WA level for an insured delivery van, arranged through a local adviser.
1 included · 1 excluded
The Beperkt Casco level for an insured motorcycle, arranged through a local adviser.
2 included · 1 excluded
The Volledig Casco level for an insured motorcycle, arranged through a local adviser.
3 included
The WA level for an insured motorcycle, arranged through a local adviser.
1 included · 1 excluded
Extends eligible dealer-bought used-motorcycle purchase-value settlement to three years with casco cover.
1 conditional
Extends eligible first-owner new-value settlement from one year to three years with casco cover.
1 conditional
Protects the renewal discount after at most one eligible claim per year; recorded claim-free years can still fall.
1 conditional · 1 excluded
The Beperkt Casco tier for an eligible moped or snorfiets, arranged through a local adviser.
2 included · 1 excluded
The Volledig Casco tier for an eligible moped or snorfiets, arranged through a local adviser.
3 included
The WA tier for an eligible moped or snorfiets, arranged through a local adviser.
1 included · 1 excluded
Broad bicycle and e-bike protection with purchase-value cover extendable to five years and €100 helmet cover.
1 included · 3 conditional
The Beperkt Casco tier for an eligible classic passenger car, arranged through a local adviser.
2 included · 1 excluded
The Volledig Casco tier for an eligible classic passenger car, arranged through a local adviser.
3 included
The WA tier for an eligible classic passenger car, arranged through a local adviser.
1 included · 1 excluded
One standard caravan or folding-trailer policy with assistance and €500,000 liability while detached.
1 included · 2 conditional
Protects the documented purchase value of an eligible used caravan bought from a BOVAG dealer for three years.
1 conditional
Covers separately declared accessories such as an awning, front tent or caravan mover.
1 conditional
Adds hail and precipitation damage; Nh1816 advertises 50% module-premium discount for a hail-resistant roof.
2 conditional
Covers separately declared caravan contents such as cookware, a bicycle carrier and gas bottle.
1 conditional
Extends the standard one-year new-value settlement for an eligible new caravan to five years.
1 conditional
The Beperkt Casco camper tier with adviser-led acceptance and explicit daily-use and rental boundaries.
2 included · 1 excluded
The Volledig Casco camper tier with adviser-led acceptance and explicit daily-use and rental boundaries.
3 included
The WA camper tier with adviser-led acceptance and explicit daily-use and rental boundaries.
1 included · 1 excluded
Extends eligible dealer-bought used-camper purchase-value settlement from three to five years; self-builds are excluded.
1 conditional
Protects the next-year discount after one eligible claim for a privately purchased camper.
1 conditional · 1 excluded
Covers the camper’s separately declared sun awning.
1 conditional
Covers eligible damage to the separately selected trailer used to transport the boat.
1 conditional
The Aansprakelijkheid level with €1 million liability and included assistance.
2 included · 1 excluded
The Beperkt Casco level with €1 million liability and included assistance.
3 included · 1 excluded
The Casco level with €1 million liability and included assistance.
4 included
Extends the standard 12-month purchase-value basis to three years for a boat bought from a recognised Dutch watersports business.
1 conditional
European roadside help with conditional recovery and onward travel.
2 conditional
Domestic roadside assistance for the insured delivery van.
1 conditional · 1 excluded
Breakdown assistance on Dutch inland waters, Zeeland waters, IJsselmeer, marinas and seaports.
1 conditional
Roadside help in the Netherlands and the border region of Belgium and Germany, rather than full Europe.
1 conditional · 1 excluded
European camper roadside help with conditional recovery and onward travel.
2 conditional
Domestic camper roadside assistance.
1 conditional · 1 excluded
Pays selected fixed benefits after qualifying death or permanent disability of van occupants.
2 conditional · 1 excluded
Nh1816 Bestelauto Schadeverzekering voor Inzittenden: Reimburses eligible actual occupant injury and property loss up to €1 million.
2 conditional
Fixed selected benefits after qualifying death or permanent disability of riders.
2 conditional · 1 excluded
Pays selected fixed benefits after qualifying death or permanent disability of camper occupants.
2 conditional · 1 excluded
Nh1816 Camper Schadeverzekering voor Inzittenden: Reimburses eligible actual occupant injury and property loss up to €1 million.
2 conditional
Fixed selected accident benefits for eligible classic-car occupants.
2 conditional · 1 excluded
Worldwide base cover with baggage and emergency assistance, expandable to 180 days and multiple travel risks.
2 included · 2 optional
Supplements Dutch basic health insurance for eligible unexpected foreign medical costs.
1 conditional · 1 excluded
Provides conditional transport help when the holiday vehicle or driver cannot continue.
2 conditional
Pays defined benefits after qualifying accidental death or permanent disability during a trip.
2 conditional
Extends one continuous insured trip from the standard 60 days to 180 days.
1 conditional
Raises cover for eligible money and cheques during a trip.
1 conditional
Covers defined unexpected cancellation and interruption reasons, including qualifying negative travel advice.
3 conditional
Worldwide selected-sum household accident cover with progressive payment up to 300% at 100% permanent disability.
3 conditional
Europe-area actual-loss cover for the household as drivers, passengers, cyclists and pedestrians.
2 conditional · 2 excluded
Core private legal assistance, including specified traffic injury and damage subjects.
2 conditional
Family legal help for traffic, all household motor vehicles and qualifying holiday contracts, with ARAG or DAS execution.
3 conditional
Broader legal help for traffic recovery and specified van ownership or use disputes.
2 conditional
Narrow legal help for recovering traffic loss from another liable party.
1 conditional · 1 excluded
Broad boating legal help for damage recovery and specified use, ownership, purchase, sale, repair or maintenance disputes.
2 conditional
Traffic legal assistance under the selected ARAG or DAS execution.
1 conditional
Mobile electronics in and outside the home across the Netherlands and 50 km into Belgium or Germany, up to €10,000 per event without item maxima.
1 conditional
An adviser-built package whose discount rises from three qualifying policies to the published maximum at eight.
1 conditional
At a glance
Product details for Nh1816 Verzekeringen were last checked by Luntero in September 2026. Premiums, conditions and availability change, so confirm the current policy terms on the provider's own website before you apply.
Official Nh1816 Verzekeringen links
Luntero is not the insurer, broker or adviser. Quotes, applications and claims run through the provider.
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Take the insured risk and desired cover level to an adviser, then identify which extensions belong to the core contract. Confirm advice costs, package rules, valuation, excess, security requirements and exclusions.
Find a provider by name or the insurers that offer a specific type of policy, then open the products behind it.
Search providersLiability, contents, health, travel, vehicles and more, grouped into families with live product counts.
See insurance typesEigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.
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