Is AOV insurance mandatory?
You may also know AOV insurance as disability insurance. With an AOV insurance you receive a payment from your insurer when you become disabled. A salaried employee is usually automatically insured for this, but as a self-employed entrepreneur you are responsible for taking out such insurance. However, taking out AOV insurance is not mandatory. In this article on Alpina.nl we explain why it is wise to take out AOV insurance and what developments there are around making this insurance compulsory.
Not mandatory (yet), but wise!
Taking out AOV insurance is not mandatory at this time, but it is wise. The chance of becoming ill or having an accident may seem small, but an accident is in a small corner. Especially in certain industries, the chance of becoming disabled is greater, for example if there is a lot of heavy physical labor or when working with large machines. Yet this risk is often underestimated. Even in your spare time, of course, something can always happen, such as a skiing accident or a nasty bicycle fall. You probably have built up a good buffer to cover such situations, but of course a buffer is not infinite. If you become disabled, you may not be able to work for months. Your fixed expenses continue, while you have no income. And of course you don't want to lose all your carefully accumulated savings.
A salaried employee receives an income in such a situation because his or her employer has taken out disability insurance. As a ZZP'er this is your own choice and responsibility. By taking out AOV insurance you are assured of an income at the moment you become disabled and cannot work for a longer period of time. Of course you do not insure your income because you have to, but to assure yourself of a financial safety net.
Possibly mandatory from 2024
So at present, AOV insurance is not yet mandatory, but chances are that this will change in a while. There is talk of compulsory insurance for the self-employed. Taking out AOV insurance will then become compulsory. This is done to protect all working people against the consequences of disability. Moreover, compulsory AOV insurance also reduces the costs and risks for society. It also makes competition with salaried workers fairer, because hiring self-employed workers becomes more expensive if they pass on the cost of their AOV insurance to their clients.
Take out AOV insurance directly through Alpina
Don't wait until AOV insurance becomes mandatory, but make sure you have a financial safety net now. After all, you are taking out AOV insurance for yourself and your company. Curious about the costs? On Alpina.nl you can easily request a quote for an AOV insurance. Based on a number of details we can make an accurate quote. You can then compare the offer yourself. Do you have any questions about AOV insurance or the quotation? Then please contact us!
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