Insurance Agencies in Amsterdam: A Guide

Essentially Amsterdam · July 21, 2026

Health insurance is compulsory in the Netherlands and must be arranged within four months of registering, backdated to the day you arrived.

Almost everything else is optional, and the useful skill is telling the two apart.

Insurance offices in Amsterdam

These six are not alternatives to one another; each covers a different need, and picking by rating across them makes no sense.

Two carry poor averages on large numbers of reviews, which is stated below rather than quietly omitted.

ZorgKiezer.nl

A health insurance comparison service on Nes in the old centre, and by far the most-reviewed insurance business in the city with 4,872 reviews behind a 4.5.

Open half past eight to five on weekdays, which matters in the crush between mid-November and New Year’s Eve.

Meliténe Assurantiën & Makelaardij

A general broker on Javastraat in the Indische Buurt that also does mortgages and estate agency, so one conversation can cover the house and the cover on it.

Weekdays nine until half past five, with 32 reviews at 4.5.

Feenstra verzekeringen

Home and motorcycle cover from Reggestraat in the Rivierenbuurt, on a split day of half past eight to half past twelve and one until five, so the lunch hour is genuinely closed.

Its 44 reviews average 3.7.

Yezzer

Business cover rather than household, including cyber, from Zekeringstraat near Sloterdijk.

It is the one on this page to call if you are insuring a company instead of a flat, and 126 reviews put it at 4.6.

Figo Pet Nederland

Pet insurance only, from Gatwickstraat in Sloterdijk, answering weekdays from nine until four - a short day for a service people ring in a panic.

The 613 reviews average 3.8, which is worth reading in full before you insure an animal.

Allianz Partners

Travel cover, including long-stay policies for study, work placements and open-ended trips, from Poeldijkstraat in Nieuw-West, and the only office here open on Saturdays.

Its 373 reviews average 2.3, the weakest record on this page by a wide margin, so read the claims experience others describe before buying on price.

What is actually compulsory

Basic health insurance, the basisverzekering, for everyone living or working here.

Third-party motor cover, the WA-verzekering, for anyone who owns a vehicle.

Nothing else is required by law, though a landlord or a mortgage lender may require it by contract.

Personal liability cover, the aansprakelijkheidsverzekering, is the one near-universal voluntary policy, and it is a few euros a month against a bill that can run into six figures.

Health insurance: the parts that are fixed

Every basic policy in the country covers exactly the same treatments, because the package is set by law rather than by the insurer.

Insurers compete on premium, on service, and on which hospitals they have contracted, not on what is covered.

The compulsory excess, the eigen risico, is €385 in 2026, unchanged from 2025, and you pay the first €385 of most care each year yourself.

You may raise it voluntarily in €100 steps up to €500 extra, which cuts the premium - sensible if you are young and well, expensive the year you are not.

Visits to your huisarts and maternity care do not count against the excess, which is the exception people most often get wrong.

Depending on income you may qualify for zorgtoeslag, a healthcare allowance paid monthly by the tax office, and it is claimed rather than granted automatically.

The switching window, and the trick inside it

You can change health insurer once a year, from mid-November until 31 December.

Take out a new policy by 31 December and the new insurer cancels the old one for you, with cover starting on 1 January.

There is a second door most people miss: cancel your own policy before 1 January and you then have until 31 January to choose a replacement, backdated to the first.

That buys a month to compare after the premiums for the coming year are all published, which they are not when the window opens.

Home, contents and liability

Renters need contents cover, inboedelverzekering, which insures your possessions and not the building.

Owners need buildings cover, opstalverzekering, though in an apartment the block is normally insured collectively through the owners’ association and you should check before buying it twice.

Lenders usually want proof of buildings cover before completion, so raise it with your mortgage broker early rather than in the final week.

Bicycle theft is common enough here that a separate policy is normal, and worth pricing against the bike rather than the postcode.

Habits that save money

Dutch policies renew automatically.

Diarise the renewal date of every one, because inertia is the entire business model.

Check whether you are insured twice before you insure at all - liability cover often extends to everyone in the household, and travel cover is sometimes attached to a bank account.

Ask for the policy conditions in English where they exist, and ask specifically what is excluded, which is the part summaries leave out.

Where a business or an estate is involved, one of the city’s lawyers and attorneys reading the wording once is cheaper than discovering it at a claim.

Explore the full range of Amsterdam insurance agencies to find one that covers what you need.