InShared vs Centraal Beheer legal insurance 2026: two Achmea brands compared
The same legal team behind both, with different prices and different rules on leaving.
InShared and Centraal Beheer are both owned by Achmea, and both send legal cases to Stichting Achmea Rechtsbijstand. So the lawyers who would help you are largely the same. What differs is the price, how you buy the cover, and how easily you can leave.
We quoted both on 3 October 2026 for one adult. For the wider market, including Univé, ASR, Allianz Direct and Legalec, see our legal insurance comparison, or Univé vs Centraal Beheer for an insurer without a waiting period.
The short answer
Take InShared if you want the lower price and the freedom to cancel on any day, for example on a fixed-term contract.
Take Centraal Beheer if your employer offers a collective discount, or if you want an insurer that explicitly helps with small disputes.
InShared and Centraal Beheer side by side
| InShared | Centraal Beheer | |
|---|---|---|
| Work cover | €11.00 (Werk & Inkomen) | €11.81 (Werk, inkomen en pensioen) |
| Home and purchases | €11.75 (Consument & Wonen) | €13.12 (Consument en wonen) |
| Total, one person | €22.75 | €24.93 |
| Family, tax and wealth | €4.50 | €4.16 |
| Traffic | €3.75 (Ongeval & Verkeer) | €3.95 (Verkeer en medisch) |
| Waiting period | 3 months, accident and traffic none | 3 months, traffic none |
| Excess | None | None, and no minimum claim |
| Own lawyer, not legally required | Up to €8,000, €250 contribution | Up to €8,000, €250 contribution |
| Own lawyer, legally required | See InShared's conditions | Up to €50,000 |
| Cancelling | Any day | 14 days cooling-off; see conditions after that |
| Who is insured | Everyone registered at your address | Priced by household size |
| Discounts | Year-end refund if the claims pool allows | Through many employers and for Zilveren Kruis customers |
InShared prices quoted for one adult aged 30, Centraal Beheer for one person, both on 3 October 2026.
Centraal Beheer: no minimum and collective discounts
Centraal Beheer states it works without a minimum amount, so small conflicts still get help. Where a lawyer is legally required in a procedure, it reimburses up to €50,000 for a lawyer you choose yourself, and up to €10,000 for a conflict outside Europe.
Its calculator asks for your employer or association before it shows a price, because many have a collective discount, as do Zilveren Kruis health customers. Check that first: it can close the €2.18 gap with InShared.
Best for: people with an employer discount, and those who want small disputes covered explicitly.
Calculate your Centraal Beheer premiumAffiliate link. No extra cost to you, keeps our expat guides free.
What applies to both
Neither covers a conflict that started before your policy, and both make you wait 3 months for most cover. If you already have a dispute, read our guides on a settlement agreement or a deposit that was not returned instead.
Both are private policies, not built for IND applications or freelance work. Centraal Beheer sells a separate policy for freelancers, and our freelancer contract guide covers the rules that matter there.
Frequently asked questions
Which is cheaper, InShared or Centraal Beheer legal insurance?
InShared, by €2.18 a month for the cover most expats need. Work plus consumer and housing cover costs €22.75 a month at InShared for one adult aged 30, and €24.93 at Centraal Beheer for one person. Centraal Beheer can come out cheaper if your employer or association has a collective discount with it.
Do InShared and Centraal Beheer use the same lawyers?
Largely, yes. Both are part of the Achmea group and both have legal cases handled by Stichting Achmea Rechtsbijstand. InShared also works with LegalShared for help after accidents.
Do both have a waiting period?
Yes, 3 months on most cover. Traffic conflicts are exempt at both; InShared also exempts accidents. At Centraal Beheer, divorce mediation has a 1-year waiting period.
Which one handles small disputes?
Centraal Beheer states it works without any minimum claim amount and helps with small conflicts too. InShared's conditions summary does not name a minimum amount either, but Centraal Beheer is the one that says so explicitly.
Which is better if I might leave the Netherlands?
InShared. You can cancel it on any day and any premium you paid in advance is refunded. Centraal Beheer gives 14 days to reconsider after you sign up; check its conditions for cancelling after that.
Sources
Premiums quoted on each insurer's calculator on 3 October 2026. Your premium depends on household size and, at some insurers, age.
- • InShared insurance card: waiting period, own-lawyer cap and cancellation
- • Kifid: the complaints institute if you disagree with an insurer
- • Juridisch Loket: free legal advice whether or not you are insured