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FINANCE

INSURANCE • Insurance can be arranged through employer or private company, as well as stock market listed companies as Nationale Nederlanden. • Medical instance is required by everyone, and self-employed patrons must have a specific insurance. • National insurance schemes that are available for all residents are explained at www.svb.nl.

DRIVERS INSURANCE (ALLRISKVERZEKERING)

HOUSE AND HOME INSURANCE (WOONHUISVERZEKERING)

• Life insurance is known as levensverzekering, and it is similar to schemes in most other countries. • Other types of insurance • Third-party liability insurance (aansprakelijkheidverzekering) protects individual goods damaged on accident; it usually comes in combo packages for homeowners or tentants. • Legal insurance (rechtsbijstandverzekering) guarantees cheaper access to legal advice; protects against cost of lawsuits and personal and labour disputes. • The national association of insurers is Het Verbond van Verzekeraars (www.verzekeraars.nl) • If you need advice, call the Dutch Association of Insurers on (070) 333 85 00 or speak to your bank or financial advisor.

• Standard policies cover fire, storm, flooding and theft. • Houseboat owners come under separate conditions. • If buying an apartment, the Association of Owners (VVE) takes out house insurance that is paid together equally among other apartment owners in the building. CONTENTS INSURANCE • Annual household contents policy, known as inboedelverzekering, starts at EUR 20 depending on coverage. • Higher priced items are individually valued and insured separately.

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• You must have at least third-party insurance for your car. • Insure Insurance policies includes theft, fire and damage/injury to yourself and vehicle. LIFE INSURANCE

WWW.EXPATFAIR.NL | THE NETHERLANDS | SURVIVAL GUIDE FOR INTERNATIONALS 2020

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Expat Survival Guide 2020 - The Netherlands  

The Expat Survival Guide assists your first essential steps: finding a home and job, organising permits, setting up finances and healthcare,...

Expat Survival Guide 2020 - The Netherlands  

The Expat Survival Guide assists your first essential steps: finding a home and job, organising permits, setting up finances and healthcare,...

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