Insify review Netherlands 2026: ZZP insurance for expat freelancers
AOV from €59/mo, BAV from €35/mo, AVB from €7,95/mo | English platform | 200+ professions
Insify is a Dutch insurtech platform built specifically for ZZP (zelfstandige zonder personeel) freelancers. It covers all three business insurance types that expat freelancers in the Netherlands typically need: AOV (income protection), BAV (professional liability), and AVB (business liability), all in one English-language platform with instant online quotes.
This review covers who Insify is best for, how its pricing compares, what each insurance type covers, and when you should consider alternatives. For the full picture on which insurance types ZZP freelancers need, see our freelancer insurance Netherlands guide and our guide on which freelancer insurance do you need.
Quick summary: Insify in 30 seconds
Founded 2019, Dutch insurtech for ZZP freelancers
English-language platform and support, covers 200+ professions, instant quotes without a broker
Three insurance types in one platform
AOV from €59/mo, BAV from €35/mo, AVB from €7,95/mo. All three together from about €102/mo before tax deductions.
Regulated by AFM and DNB
Licensed insurance intermediary, policies underwritten by regulated Dutch and European insurers
Same-day coverage for BAV and AVB
Instant certificate, policy starts immediately. AOV takes 1-3 business days after health declaration.
Get your Insify quote in 2 minutes
Enter your profession and revenue once, get instant quotes for AOV, BAV, and AVB side by side. No broker required.
AOV from €59/mo
Income protection if you can't work
BAV from €35/mo
Professional liability for your work
AVB from €7,95/mo
Business liability for accidents
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Table of contents
What is Insify?
Insify is a Dutch insurtech platform specialising in freelancer (ZZP) insurance. Founded in 2019, it bundles AOV (arbeidsongeschiktheidsverzekering, income protection), BAV (beroepsaansprakelijkheidsverzekering, professional liability), and AVB (aansprakelijkheidsverzekering bedrijven, business liability) in one digital platform. The English-language interface and support make it the go-to option for expat freelancers in the Netherlands who want to avoid broker appointments and Dutch-only systems.
Before going freelance as a ZZP worker, you need to have your BSN registration sorted and a KVK (Kamer van Koophandel) number. Once those are in place, Insify lets you get quotes and start coverage in a single online session with no broker involvement.
Key advantages for expat freelancers
- 100% English platform, quote, and support, no Dutch required
- Instant online quotes, policy starts same day (BAV/AVB) or within 3 days (AOV)
- All three ZZP insurance types in one dashboard
- No minimum contract period, cancel with 1-month notice (BAV/AVB) or 3-month (AOV)
- Digital insurance certificates accepted by all major Dutch corporate clients
The three insurance types Insify offers
Insify covers the three standard ZZP insurance types. Each serves a different purpose and most corporate clients require proof of all three before signing contracts with freelancers. See our detailed freelancer insurance Netherlands guide for a full breakdown of legal requirements by profession.
Income protection (arbeidsongeschiktheidsverzekering)
AOV protects your income if you become ill or disabled and cannot work. As a ZZP freelancer in the Netherlands, you have no access to the employer sick pay system. If you stop working due to illness, your income stops immediately. AOV fills this gap by paying 70-80% of your declared income until you recover or reach the AOW pension age of 67.
Coverage details
- Covers 70-80% of your daily rate / declared income
- Pays out until age 67 (AOW pension age)
- Covers illness, burnout, disability
- Waiting periods: 14 days, 1 month, 2 months, 3 months
Cost at Insify
- From €59/month: Insify's example for age 37, a physically light job, a €1,000/month indexed benefit and a 3-month waiting period, including the 20% first-year discount
- A higher benefit costs roughly proportionally more: about €140/month for €2,400
- Older age, a riskier job or a shorter waiting period raise the premium
Important: AOV is not legally mandatory for ZZP workers, but approximately 78% of corporate clients require proof of income protection before signing contracts. The Dutch government is also working on making AOV compulsory for ZZP workers, expected 2026-2027. Starting early means lower premiums and avoiding pre-existing condition exclusions.
Professional liability (beroepsaansprakelijkheidsverzekering)
BAV covers claims from clients if your professional advice or work causes financial damage. A practical example: you write code with a bug that costs your client €50,000 in lost revenue. Without BAV, you would be personally liable. Insify's BAV covers this up to the policy limit.
Coverage details
- Coverage levels: €250k, €500k, €1M, €2.5M per incident
- Covers professional errors, advice failures, data breaches
- Includes legal defense costs
Cost at Insify
- From €35,30/month (insify.nl, October 2026)
- Higher insured amounts cost more
- Riskier professions pay more; get a quote for your exact profession
Legally mandatory for: lawyers, notaries, accountants, tax advisors, architects, engineers, medical professionals, and financial advisors. Contractually required by virtually all corporate clients in IT, consulting, finance, and creative sectors.
Business liability (aansprakelijkheidsverzekering bedrijven)
AVB covers damage you accidentally cause to third parties or their property during work. A practical example: you spill coffee on a client's €3,000 laptop at their office. Without AVB, you pay out of pocket. With AVB, Insify covers the claim.
Coverage details
- Coverage: €1M to €2.5M per incident
- Covers accidental property damage, personal injury to third parties
- Required for most on-site client work
Cost at Insify
- From €7,95/month (insify.nl, October 2026)
- Office-based work sits at the low end
- Event or on-site intensive work costs more
Insify pricing (2026 verified)
Insify pricing depends on your profession, age, insured amount and chosen cover, so it only publishes starting prices. The table shows those, as stated on insify.nl on 5 October 2026. Use the AOV insurance calculator for a rough estimate at your own age and income, then get an exact quote from Insify.
| Insurance type | From | What the starting price assumes |
|---|---|---|
| AOV (income protection) | €59/mo | Age 37, physically light job, €1,000/month indexed benefit, 3-month waiting period, including the 20% first-year discount. A higher benefit costs proportionally more. |
| BAV (professional liability) | €35,30/mo | Lowest-risk professions and the basic insured amount; higher limits and riskier professions cost more. |
| AVB (business liability) | €7,95/mo | Basic cover for a low-risk business. |
| All three combined | €102,25/mo | Sum of the three starting prices |
After tax deductions
BAV and AVB premiums are business expenses. AOV premiums are deductible in box 1 as an income provision (uitgaven voor inkomensvoorzieningen). Either way, they reduce taxable income at your marginal rate, which in 2026 is 37.56% on income from €38,883 to €78,426.
Higher earners save more: above €78,426 the 2026 rate is 49.50%, so every €100 in premiums saves €49.50. All three starting prices together (€102,25/month) then cost about €51.64/month after tax relief.
How to get a quote (step by step)
Getting a quote from Insify takes about 2 minutes. No broker appointment, no phone call, no Dutch language required. The process is fully online and you can start and pause at any stage.
- 1
Go to Insify via the link below
The platform loads in English by default. No account creation required to view a quote.
- 2
Select your profession from the dropdown
Over 200 professions available. If yours is not listed, Insify can usually accommodate it through a manual review.
- 3
Enter your annual revenue and desired coverage level
The system calculates your recommended coverage and shows instant pricing for all three insurance types.
- 4
Add or remove each insurance type
You can take just BAV, just AOV, or all three. The dashboard shows your total monthly cost and lets you adjust coverage levels.
- 5
Enter personal details and start your policy
BAV and AVB start same day. AOV requires a health declaration and starts within 1-3 business days. Your insurance certificate is available immediately from your dashboard.
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Who Insify is best for
Insify is the strongest option in the Netherlands for the following types of ZZP freelancers:
Expat freelancers who need English-language support
Full English platform, quotes, and customer service. No Dutch language required at any point.
ZZP workers who want all three coverages in one place
Single dashboard for AOV, BAV, and AVB. One monthly invoice, one insurer to contact.
IT, consulting, marketing, finance, creative, and engineering professionals
These are the professions where Insify has the deepest coverage and most competitive pricing.
Freelancers who need BAV or AVB quickly before starting a new contract
BAV and AVB can be activated same day. Print your certificate immediately and share it with your client.
Freelancers aged 25-45 in good health
AOV pricing is most competitive for this age group. Use the AOV insurance calculator to estimate your cost.
Who should consider alternatives
Insify is not always the best fit. Consider comparing alternatives for these situations:
Professions with very high liability requirements
Lawyers, medical professionals, and anyone needing BAV coverage above €2.5M may need Aegon or Allianz, which offer higher limits and sector-specific policy terms.
Freelancers over 45 with pre-existing health conditions
AOV premiums rise significantly with age and health issues. Nationale Nederlanden and Aegon sometimes offer more flexibility on exclusions for complex health histories.
Very low-budget freelancers who only need BAV
ZZP Verzekeringen offers slightly cheaper single-product BAV for Dutch-speaking freelancers who do not need the English interface or the full bundle.
For a full comparison of all major Dutch freelancer insurance providers, see our guide to which freelancer insurance you need. Most expat freelancers in the standard 25-45 age range working in knowledge industries will find Insify competitive across all three coverage types.
Tax deductibility
All three Insify premiums (AOV, BAV, AVB) are 100% tax-deductible as zakelijke kosten (business expenses) in Box 1. This applies regardless of whether you operate as a sole trader (eenmanszaak) or through a BV. You declare them as business costs in your annual tax return, reducing your taxable profit.
| Tax bracket | Income range | Tax saved per €100 in premiums | Effective cost of €100 premium |
|---|---|---|---|
| Standard rate | €38,883 to €78,426 | €37.56 | €62.44 |
| Higher rate | Above €78,426 | €49.50 | €50.50 |
Important note on AOV payouts
AOV premiums are deductible, but AOV payouts (if you ever claim) are taxable as income. BAV and AVB payouts are not taxable. For a complete picture of how insurance interacts with your Dutch tax position, the freelancer insurance guide covers this in detail.
Frequently asked questions
Is Insify the cheapest freelancer insurance in the Netherlands?
Insify is competitive but not always the cheapest for every profession and age. For IT, consulting, and creative professions aged 25-40, Insify typically offers the best combination of price and convenience. For professions requiring very high BAV limits (€2.5M+) or freelancers over 45 with health considerations, comparing Aegon, Nationale Nederlanden, or Allianz directly is worthwhile. The key advantage of Insify is the instant online quote without a broker, saving hours of back-and-forth.
Does Insify cover expats who are not Dutch citizens?
Yes. Insify covers freelancers registered with KVK (Dutch Chamber of Commerce) regardless of nationality. You need a valid Dutch address, BSN number, KVK registration, and Dutch bank account. EU/EEA nationals and non-EU nationals with a valid residence permit and work rights can use Insify.
How quickly can I get covered with Insify?
BAV and AVB can start the same day you apply. AOV typically starts within 1-3 business days after a health declaration. If you have an urgent client contract requiring proof of insurance, BAV and AVB can be activated immediately. Print or download your insurance certificate directly from the Insify dashboard.
What is the waiting period for AOV at Insify?
Insify offers AOV waiting periods of 14 days, 1 month, 2 months, and 3 months. The waiting period is the time between becoming ill/disabled and when payouts begin. A longer waiting period means lower monthly premiums but more personal financial risk during the gap. Most financial advisors recommend a 1-month waiting period as the default, matching most freelancers' cash reserves.
Can I cancel Insify insurance at any time?
BAV and AVB at Insify have a 1-month cancellation notice period. AOV has a 3-month notice period due to the longer-term nature of income protection. There is no penalty for cancellation. If you stop freelancing or switch to employment, you can cancel all policies without fees.
Is Insify regulated in the Netherlands?
Yes. Insify is regulated by the Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB). It is licensed as an insurance intermediary and the underlying insurance policies are underwritten by regulated Dutch and European insurers.
Official resources
Before you buy an AOV, know the alternative
Many Dutch freelancers use a Broodfonds instead of, or alongside, an AOV. It is a mutual aid circle from €37,50 a month (plus €12,50 fee) with no medical screening, but it stops after two years. Understanding where that ceiling sits changes which AOV waiting period you should buy, and pairing the two usually costs less than a standard AOV alone.
Related guides
Freelancer insurance Netherlands 2026
Complete guide to AOV, BAV, and AVB requirements, costs, and providers
Broodfonds vs AOV
The cheaper mutual-aid alternative, and the two-year ceiling that limits it
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BV setup, €67k salary threshold, and how insurance integrates with your tax structure
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Estimate your monthly AOV premium based on age, income, and waiting period