Meet Sander Schreve, a senior insurance agent dedicated to assisting expats, whose journey began in 1999 with the esteemed insurer, Nationale Nederlanden. Over the years, Sander has accumulated a wealth of knowledge and unwavering commitment to safeguarding what matters most to his clients.

Sander offers insights into the mandatory insurance landscape in the Netherlands. We’ve asked him about the required insurances and the key to insurance succes in the Netherlands. Here’s what he has to say:

Mandatory Insurance in the Netherlands:

  1. Health Insurance in the Netherlands is an essential requirement for everyone. It ensures that you have access to high-quality healthcare services when you need them the most. The best part is that you have the freedom to choose from a range of providers, allowing you to customize a plan that suits your individual needs.
    It’s important to note that you have the option to switch insurance companies every year on January 1st. However, please keep in mind that switching may require a health declaration. To make the right decision, it’s crucial to do thorough research and select a policy that aligns with your specific healthcare requirements.
    We also have some great news for our English-speaking clients! We have a special arrangement with health insurer ONVZ, which offers an additional discount. ONVZ is one of the top Dutch health insurers, providing excellent coverage and peace of mind.So, when it comes to health insurance in the Netherlands, make sure to choose wisely and secure the best coverage for yourself and your loved ones. Stay healthy and protected!
  2. Liability Insurance for Cars:
    If you own a car in the Netherlands, it is a legal requirement to have liability insurance, also known as “WA-verzekering.”This insurance policy covers any damage you may cause to others in an accident, promoting responsible driving on Dutch roads.
    It’s important to note that there are significant premium variations among insurers. However, we can provide you with options from multiple insurers, guaranteeing you a competitive premium. So, drive safely and confidently knowing that you’re protected!
  3. Home Insurance (Opstalverzekering):
    Owning a home in the Netherlands often requires having home insurance, a mandate set by banks if you need a mortgage. This insurance provides peace of mind and safeguards your investment.

To secure the most suitable coverage for your circumstances, seek professional guidance. While these are mandatory insurances, there are additional options available to cover your health, wealth, and assets. Policies we often advise people to consider include personal liability insurance, life insurance, travel insurances and legal assistance insurance.

In my daily practice, I encounter numerous individuals unaware of their insurance coverage and their payments. This is often due to the fact that they have policies with multiple different companies.

However, having everything in one place is much more organised and cost-effective due to package discounts!

I can streamline the process and am here to assist you in managing your insurance policies and consolidating them into one place. Moreover, if any damages occur, I will handle all the associated complications. While insurance might not cover everything, I can certainly guide you in the right direction. Just reach out via our website or by phone!

Navigating insurance in the Netherlands is essential. With Sander’s expertise, you can protect your life and comply with the law. His experience and friendly approach make him your ideal insurance guide. Sander’s website,, is a testament to his commitment to serving expats. It’s a user-friendly platform where clients can explore a wide range of insurance options and connect with Sander directly. The website not only offers valuable information but also reflects his passion for ensuring that expats have the insurance coverage they need in their adopted home.  Explore to begin your insurance journey with Sander today.