Insurance

Liability insurance in the Netherlands (2026): complete AVP guide for expats

If you accidentally damage someone else’s property or injure a third party in the Netherlands, you are personally liable for the costs — even if it was a genuine accident. One cracked phone screen, one broken bicycle, one moment of distraction can cost you hundreds of euros. That’s why most Dutch households have an Aansprakelijkheidsverzekering

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Health Insurance in the Netherlands 2026 (Zorgverzekering): How It Works, What It Costs and How to Choose

Health insurance (zorgverzekering) is mandatory for everyone over 18 years old registered in the Netherlands. It doesn’t matter if you’re a Dutch national, an expat, or a recent arrival — if you live and work here, you must have it. The good news: once you understand how the system works, you can make a smart

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