Advice in English
Personal insurance in the Netherlands — made clear & personal
Dutch insurance can be confusing, especially if Dutch isn't your first language. WeesVerzekerd helps expats and international residents choose, compare and manage their insurance — with advice, quotes and claims support fully in English.
From our office in Roermond (Limburg) we serve clients across Limburg and the rest of the Netherlands — by phone, WhatsApp, email or in person.
How personal insurance works in the Netherlands
What is required by law, what is standard practice and what is optional? A short guide.
Required by law
Third-party car insurance (WA) is mandatory for every registered car — even when it's parked. Health insurance is also mandatory, but that is arranged separately.
Required in practice
Home/building insurance is required by your mortgage lender when you buy a house. A term life insurance is often requested with a mortgage too.
Strongly recommended
Personal liability insurance is not compulsory, but nearly every Dutch household has it — damage to others can be very expensive. Contents and travel insurance are sensible additions.
Dutch terms explained
- Deductible / excess — Eigen risico
- The part of a claim you pay yourself. A higher deductible means a lower premium.
- Claim-free years — Schadevrije jaren
- Every year without a car claim gives you a bigger no-claims discount. Claim-free years built up abroad can often be transferred — ask us.
- Underinsurance — Onderverzekering
- If your belongings are insured for too little, the insurer pays out only part of a claim. A guarantee against underinsurance prevents this.
- Policy conditions — Polisvoorwaarden
- The small print, always in Dutch. We read it for you and explain what it means in plain English.
Personal insurance we arrange in the Netherlands
Home / building insurance
Woonhuis- of opstalverzekering
Covers the structure of the house you own — walls, roof, floors, fixed kitchen, solar panels — against fire, storm and water damage. Usually required by your mortgage lender.
Contents insurance
Inboedelverzekering
Covers your belongings — furniture, electronics, clothing, bicycles — against theft, fire and water damage. Useful for owners and tenants alike.
Personal liability insurance
Aansprakelijkheidsverzekering (AVP)
Pays when you, your family or your pet accidentally cause damage to someone else or their property. Inexpensive, and almost every Dutch household has it.
Car insurance
Autoverzekering
Third-party (WA) is required by law. Choose WA+ (limited comprehensive) or allrisk (fully comprehensive) depending on the age and value of your car.
Travel insurance
Reisverzekering
Covers luggage, medical extras and assistance abroad. Choose Europe or worldwide cover, and decide whether you need cancellation insurance.
Term life insurance
Overlijdensrisicoverzekering
Pays a fixed amount to your partner or family if you pass away. Often linked to a mortgage, so your loved ones can stay in the house.
Why a local adviser makes the difference
WeesVerzekerd is the insurance brand of Het Financieel Advies Huis in Roermond, Limburg. Whether you live in Roermond, elsewhere in Limburg or anywhere in the Netherlands, we work directly with insurers — no middlemen — and we stay your point of contact after you sign.
- Advice, quotes and policy explanations fully in English
- Help with claim forms and contact with the insurer when something happens
- A real person to call or WhatsApp — no chatbots or call menus
- An honest comparison, and you decide freely with no obligations
Ask a question about Dutch insurance
Not sure how something works in the Netherlands? Ask our assistant for a quick explanation. For personal advice, Bouke is happy to help.
Try one of these questions:
AI-powered answers with general information only — not personal advice. Questions are stored so we can improve our service.
Request a free quote
Tell us what you need. Bouke will contact you within one working day — in English.
- +31 6 285 191 67
- +31 475 858 673
- roermond@hfah.nl
- Zwartbroekpoort 1, 6041 LS Roermond