Different countries have different customs around insurance. Here’s what you need to know about insurance in the Netherlands.


When do I need insurance?

There are a number of different types of insurance in the TopDutch region. The most obvious, and mandatory, are of course health insurance, see above, and vehicle insurance (for those with a vehicle). 

If you drive any type of motorized vehicle in the Netherlands, it is mandatory to have third-party insurance. Many people choose to get further coverage such as ‘vehicle protection’ that covers things like fire, vandalism, theft etc. or ‘all-risk insurance’ which covers things such as accidents that you caused, going off-road or landing in water amongst pretty much every possibility. In the Netherlands, insurance doesn’t cover the person but the car. That means anyone that has a valid driver’s license can drive the car.

Other insurances that are common, but not mandatory, in the TopDutch region include: personal liability insurance (third-party insurance for any damages you may accidentally make to another’s property or person), homeowners insurance (if you own the house) or contents insurance (if you’re renting), legal fees insurance and travel insurance.