Private and high net worth insurance in the Netherlands

Why review your insurance as one package instead of policy by policy?

Because two problems only surface when you look at everything at once. You pay twice for the same risk, for instance the roadside legal help that sits in both your car policy and your legal expenses policy. And you carry gaps nobody noticed, such as the valuables in the house that outgrew the limit on your contents policy.

Most people build their insurance one policy at a time, taken out at the moment they bought a house, a car or a first holiday abroad. Years later nobody has the overview, and reviewing everything together is the only way to see both problems. It also lets us compare premium and conditions across all your policies at once.

How does the review work?

In four steps. We map what you already have and read the conditions, not just the premium. We then compare across the market, because we are tied to no insurer. You choose what you take and we handle the applications, the cancellations and the timing. After that we stay your point of contact.

1. We map what you have

   Send us your current policies. We read the conditions, not just the premium, and list what is covered, what is not and where the same risk is insured twice.

2. We compare independently

   We are tied to no insurer, so we compare across the market on premium and on conditions, which is where the real differences sit.

3. You decide, we arrange

   You choose what you take. We handle the applications, the cancellations and the timing, so nothing lapses in between.

4. We stay your point of contact

   For a claim, a move, a new car or a question about a letter you received, you call us rather than a call centre.

Living abroad, or moving to the Netherlands? Then see expat insurances and Dutch health insurance.

Which independent advisor arranges insurance for expats and private clients in English?

Bouvy Advies is an independent advice and brokerage firm in Naarden, serving private clients and expats across the Netherlands in English. We review your home, contents, valuables, cars, liability and income cover as one package. We are not tied to any insurer and work under AFM licence 12046005.

We offer mortgage advice for expats and arrange business insurance for your BV, so you keep one point of contact. One policy we place for homes with valuable contents is Hiscox's Huis en Kunst policy. We can meet at our office, at your home or online.

What is high net worth insurance in the Netherlands?

High net worth insurance is home insurance for wealthy households with special homes and valuable contents or collections. Hiscox's Huis en Kunst policy (conditions HK24.01) has six sections. Its buildings, contents, art and valuables sections cover damage whatever the cause, except what the conditions exclude. Only sections shown as insured on your schedule apply.

The cover has limits. Hiscox excludes wear and tear, gradual damage, mechanical or electrical failure of the insured item unless it causes fire or explosion, and damage to the item itself from light, extreme temperatures, drying, shrinking, warping or humidity unless caused by fire. Damage caused by restoration, cleaning or repair is excluded, except for art insured under the art section. Buildings cover can reach 25% above the sum insured if rebuild costs exceed it, with an accepted valuation or Risk Survey and annual indexing, until the schedule's end date. The scheduled excess does not apply to covered damage exceeding € 10,000.

What is classed as valuables in contents insurance?

It depends on the policy. A standard a.s.r. contents policy (conditions VP IB 2026-01) treats watches as jewellery and art and collections as special possessions. Hiscox's Huis en Kunst policy (conditions HK24.01) defines jewellery, precious stones and metals, watches, weapons and fur as valuables. Hiscox counts other items as art for their artistic quality, design, age, rarity or collection value.

• At a.s.r., cash, securities, loose gemstones and unworked precious metals at home have a € 1,000 limit per event. At home, jewellery and special possessions have limits of € 7,500 and € 30,000 per event unless scheduled higher. Jewellery in your car is covered up to € 2,000 per event, but theft from the car is limited to € 750 for all items together, and only if they were out of sight and the car shows visible or digital signs of forced entry.
• Hiscox limits unspecified items under contents per event: art to € 12,500 per item, pair or set, fur and weapons to € 10,000, valuables to € 7,500 and alcoholic drinks to € 25,000. Above these limits, specify art under the art section and jewellery, watches, fur and weapons under the valuables section. The € 2,500 cash limit applies regardless.
• Hiscox uses scheduled expert valuations until their end date. Without a new report after that date, the valuation only serves as a guideline after a loss. Without such a valuation, pre-loss market value applies.
• a.s.r. excludes glasses from jewellery and furniture and clothing from collections. Hiscox excludes NFTs from art.

These examples use the Hiscox and a.s.r. conditions named above, and other policies define and limit valuables differently, which is why we read your policy's conditions before advising you.

How do I insure watches and jewellery in the Netherlands?

For watch and jewellery insurance in the Netherlands, check your contents limit. A standard a.s.r. contents policy (conditions VP IB 2026-01) covers watches as jewellery up to € 7,500 per event at home, unless your schedule shows more. Above that, we advise raising your scheduled jewellery amount or insuring pieces separately as valuables, preferably on an expert valuation.

Contents cover and separate valuables cover are not the same. Check the jewellery amount on your schedule and whether cover extends outside your home.

• A standard a.s.r. contents policy (conditions VP IB 2026-01) covers jewellery at home up to € 7,500 per event, unless a higher amount is on your schedule. Jewellery includes jewels, watches, belts and other valuables worn on the body, but not glasses. Its optional “worldwide jewellery and special possessions” cover (Werelddekking sieraden en bijzondere bezittingen) covers loss of or damage to jewellery and special possessions in and outside your home anywhere in the world, up to the amounts on your schedule. No excess applies to this optional cover. The optional cover does not apply to borrowed, rented, lent or let valuables, or when you do not take enough precautions, for example leaving valuables in sight in your car, leaving them out of your direct sight and reach or not keeping them in your hand luggage when travelling.
• Hiscox's Huis en Kunst policy (conditions HK24.01) treats watches and jewellery as valuables. Its contents section limits unspecified valuables to € 7,500 per event. The separate valuables section applies only if your schedule shows it as insured. It covers all damage to valuables, wherever and however it happens, except what the conditions exclude. For individually specified valuables, the payout is at most the amount in the specification.
• ABN AMRO's home contents insurance (its product page, checked 11 October 2026) covers theft or vandalism of jewellery and watches inside your home in the Netherlands up to € 8,000. With its additional theft cover for valuable contents, this rises to € 10,000.

The limit that applies depends on which policy you hold, so we read your conditions before advising.

Do I need a valuation?

For a single high-value watch, we advise a valuation agreed in advance to avoid a discussion about value after a theft. Under Hiscox's Huis en Kunst policy (conditions HK24.01), if your schedule shows that your valuables were valued by an expert, that pre-agreed value applies until the end date on your schedule. The valuation report becomes part of the policy once Hiscox approves it. After the end date, without a new report, it serves only as a guideline after a loss. If the cover is not based on a pre-agreed valuation, the market value just before the loss applies.

What if I do not have the receipts?

Missing supporting documents can affect your payout. Under a standard a.s.r. contents policy (conditions VP IB 2026-01), you must send original supporting documents as soon as possible after a loss. If you cannot provide them, that can affect the payout. If you fail to meet your obligations and this harms the insurer's interests, it pays nothing. This can happen when you cannot show that stolen or damaged items are yours.

Under Hiscox's Huis en Kunst policy (conditions HK24.01), you must provide all documents and information relating to the loss within a reasonable time. You must also report theft or loss to the police as soon as possible. If you breach these duties with intent to mislead, or the insurer's reasonable interest is harmed, you lose your rights under the policy. In other cases, the payout is reduced by the loss the insurer suffers as a result.

We advise you to keep receipts, certificates and the valuation report together. Arrange the valuation before a loss, not after.