What is AOV insurance?
You may also know AOV insurance as disability insurance. With an AOV insurance you receive a payment from the insurer if you become disabled. An employee is usually automatically insured for this through his employer, but an entrepreneur is responsible for taking out his own AOV insurance. If you are self-employed and become disabled, your income will drop considerably. With an AOV insurance you have certainty of income. So you can do business without worries.
Why is AOV insurance wise to take out?
The chance of an accident or illness may seem small, but of course an accident is in a small corner. The danger of becoming disabled is always present. Especially in some industries, for example because heavy machinery is used. Yet many entrepreneurs underestimate this risk. By the way, the accident does not have to happen during your work, but can also occur in your spare time, such as a nasty fall on your bicycle. A salaried employee who becomes disabled receives an income during this period because his or her employer has taken out disability insurance. As an entrepreneur, however, you are responsible for taking out AOV insurance.
It is always advisable to build up a good buffer, but of course it is not infinite. Moreover, you do not want to run the risk of quickly running out of savings. If you become unfit for work, you miss out on a large part of your income while your fixed expenses still have to be paid. By taking out AOV insurance, you are assured of an income at the moment that you become disabled and are unable to work for a longer period of time. This provides you with a financial safety net and ensures that you can continue to pay your bills.
Benefits of AOV insurance
Are you still hesitating about taking out AOV insurance? AOV insurance has many advantages for you as an entrepreneur, such as:
- With AOV insurance you are assured of an income at the moment you become disabled
- 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 also offers help with reintegration
- The premium of an AOV is often tax deductible
Take out AOV insurance directly through Alpina
Taking out AOV insurance is not mandatory at this time, but it is wise. If you become disabled, you often cannot work for a longer period of time. This can be a serious blow to your finances. You miss out on a lot of income, while you still have to pay your bills.
On Alpina.nl you can directly request a quote for AOV insurance ZZP. Based on your personal data, 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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