AOV insurance

AOV insurance is also known as disability insurance. With an AOV insurance you get a benefit if you become disabled. Disability is, for example, when you become ill or have an accident that prevents you from working. So an AOV insurance is actually a financial safety net and provides security of income.

Taking out and AOV insurance has a number of advantages:

• With AOV insurance, you are guaranteed an income the moment you become disabled. It is a financial safety net
• You determine the portion of income you wish to insure up to a maximum percentage (the lower the amount insured, the lower the premium)
• The insurer offers help with reintegration
• The premium of an AOV is often tax deductible

The cost of AOV insurance depends on a number of factors, the most important being your occupation and your age. An insurer looks primarily at how risky your occupation is. For example, a job where you work with dangerous machinery or heavy parts is riskier than an office job, because the chances of you having an accident are higher. As a builder or landscaper you will therefore pay more premium for an AOV insurance than an accountant, because the risk of becoming disabled is simply higher.

At Alpina.nl you can easily request a quote for AOV insurance. When requesting the quote, you fill in a number of details, such as your profession, the insured income and your age. Based on this information, we can make an accurate quote for you. You will get an overview of different AOV insurances, so you can easily compare premiums.

In addition to the premium and basic coverage, look carefully at what you do and do not want to insure. List your fixed costs and expenses and consider what you need to live. In this way, you can determine the amount you want to insure and you can be sure that you are properly insured if you become disabled unexpectedly.

Taking out AOV insurance is not mandatory, but it is wise. As a salaried employee, you are in most cases automatically insured against the risks of disability.

As a ZZP'er you are responsible for taking out such insurance. Being unable to work can be a major financial blow for a self-employed person. If you are sick for a long time or have to recover, you miss out on a lot of income, while your fixed expenses continue as usual.

Would you like more financial security? Then you may want to consider AOV insurance.

As a self-employed person, you are responsible for your own income and paying the bills of your business. You do not have the safety net that a salaried employee automatically has. If you become incapacitated as a ZZP, this can have major consequences. The costs of your business will of course continue. With an AOV insurance you are assured of a payment when you become disabled. Even if the cause of your disability has nothing to do with your work, you are insured. This means that the accident can also be caused by something outside your work.

There are many insurers on the market offering AOV insurance. You are probably wondering which insurer is the cheapest. You can find the cheapest AOV insurance by comparing insurers. Do not only look at the amount of the premium, but also at the coverage and conditions. In some cases a cheaper AOV insurance has inferior conditions, for example because there is a longer waiting period. This does not mean that the most expensive insurance always has the best coverage. By comparing well you can find a cheap AOV insurance at the best conditions.

As a self-employed construction worker, you are at greater risk of becoming disabled than, say, a consultant working in an office. After all, a construction site involves working with tools and machinery. Heavy physical labor is also involved, including loading and unloading materials. As a result, the risk of getting sick or having an accident is a lot higher. Even when you are always careful. An AOV insurance is therefore not an unnecessary luxury as a ZZP'er in construction. It can save you a lot of financial worries.

It is very important to us that you are fully aware of the charges you pay for our services.

This is why we strive for maximum transparency and clarity regarding rates at Alpina.

View our rate card here.