Due to climate change, there is more rainfall and sea levels are rising. The Netherlands is well prepared for flooding. Riverbeds have been widened, the and the coast are constantly being reinforced. With this, we invest in flood prevention.
Nevertheless, due to the low elevation of large parts of the Netherlands, flooding remains possible. For example, after the overflow or breakage of due to extreme precipitation, or due to a large amount of meltwater or rainwater from abroad. Water can also flow in from the sea.
In the unlikely event of a flood, the Disaster Damage Compensation Act (Wts) can be declared applicable. In that case, individuals and companies, among others, may be eligible for compensation from the government for the damage suffered and the costs incurred as a result of a disaster.
However, on the basis of the Wts, full compensation is never awarded. There are also conditions attached to it, such as: there is a disaster as referred to in Article 1 of the Security Regions Act, and: the damage is uninsurable, unavoidable and non-recoverable.
Local Flood Advisory Report 2018
The Dutch Association of Insurers published an advisory report in 2018. In it, it advises insurers to also provide cover against local flooding in the home and contents policy. It may differ per insurer whether – and how – they follow this advice. We update the information on this website based on market developments around this advice.
More information about developments can be found here .
Private
Dwelling
Insured on contents and/or building insurance:
- Damage due to local precipitation. See Rain tile.
Usually insured on contents and/or building insurance:
- Overflowing or giving way to (a along) a canal, stream or small river.
Not insured:
- Homes in areas outside the.
- Damage caused by water from the sea, a river or an inland waterway, due to the overflow or failure of a primary flood defence. Click here for a map of Primary Flood Defences. (There is one known provider that does insure this risk for specific, ultra-high-net-worth clients.)
Car
Insured, provided that there is a hull or all-risk insurance:
- Damage to the car.
- No influence on bonus/malus scheme.
Businesslike
Buildings and inventory
Assured:
- Damage due to local precipitation. See tile Rain.
Often insured:
- Overflowing or giving way to (a along) a canal, stream or small river.
Usually not insured (however, there are tailor-made solutions for large companies and institutions):
- Damage caused by water from the sea, a river or an inland waterway, due to the overflow or failure of a primary flood defence. Click here for a map of Primary Flood Defences.
- Areas outside the.
Not insurable:
- Damage to crops and the like: there are no known insurances for this.
Company car
Insured, provided that there is a hull or all-risk insurance:
- Damage to vehicles.
- No influence on bonus/malus scheme.
The information on this website is based on the extensive terms and conditions, which often apply by default. It is possible that you and your insurer have deviated from this.
This product has been made possible in part by the Ministry of Infrastructure and Water Management.
