Moving to a different country is a big step, especially when it comes to administrative matters like insurance. Whether you're an expat moving to the Netherlands or a Dutch citizen relocating abroad, it's essential to be well-prepared and have your insurance in order. Here are some handy tips to help you switch your insurance.
Health Insurance: A priority
- Moving to the Netherlands: Health insurance is mandatory in the Netherlands once you start living and/or working there. You have three months to register with a Dutch health insurer. The Dutch healthcare system operates with a basic insurance plan, which is compulsory for everyone. Additionally, you can choose supplementary insurance based on your needs. Check if your current foreign insurance provides temporary coverage until you've arranged your Dutch insurance.
- Moving out of the Netherlands: Once you officially reside abroad, you are no longer required to have Dutch health insurance. Don’t forget to cancel your current Dutch health insurance and look into what type of health insurance is mandatory in your new country. Some countries have national systems, while others may require private insurance.
Home Insurance: Contents and property
- Moving to the Netherlands: If you rent or buy a house in the Netherlands, it’s advisable to get contents insurance for your personal belongings. If you're purchasing a home, property insurance is also essential, as it covers damages to the structure of the house.
- Leaving the Netherlands: When moving abroad, you'll need to cancel or adjust your home insurance (contents and property). If you own a house in the Netherlands and plan to rent it out, you might want to consider landlord insurance to cover damages and risks while you're abroad.
Liability Insurance
- Moving to the Netherlands: Liability insurance is not mandatory, but it's highly recommended. This insurance covers accidental damages you may cause to others, such as damaging someone else’s property. Many Dutch people have this insurance to avoid unexpected costs.
- Moving out of the Netherlands: Check if a similar liability insurance policy is available in your new country of residence. In some countries, liability insurance is bundled with other types of coverage, so it's useful to understand how it works there.
Car Insurance
- Moving to the Netherlands: If you're bringing your car with you, you'll need to register and insure it with a Dutch insurer within four months. Car insurance in the Netherlands is mandatory and at a minimum must include third-party liability (WA). Be sure to cancel your current foreign car insurance on time.
- Leaving the Netherlands: If you're taking your car to another country, you’ll need to arrange a new car insurance policy in your new country. The requirements and obligations can vary significantly from country to country, so make sure to research in advance what is necessary.
Conclusion; Whether you’re moving to the Netherlands or leaving for another country, it’s important to manage your insurance properly. Make sure you understand which insurances are mandatory and which ones best cover your current situation. Switching in a timely manner and adapting to your new circumstances can save you from unnecessary costs and hassle.
