Commission-free, so cheaper
Most policies have an ongoing intermediary commission baked into the premium. Ours don't. In our experience that easily saves around €300 a year — and the adviser has zero incentive to sell you anything you don't need.
Independent · commission-free · 100% digital
Commission-free insurance advice, without overpaying.
One free 15-minute call with an independent, commission-free adviser. You tell us what's going on, we work out what you do and don't need — and what it costs. Fully digital, sorted within days.
- Commission-free — often around €300 a year cheaper
- Independent: no ties to any insurer
- If the call brings you nothing, it cost you nothing
What fits your situation?
Something else going on? You can also request the call directly.
- One AFM-certified firmNever an auction, never multiple callers.
- Never resoldYour details stay with that one firm.
- No means no — for goodOne no and you're never contacted again.
Why PolisMoment
Why a fifteen-minute call is worth your time
Insurance isn't exciting — until something happens, or until it turns out you've been overpaying for years. So we keep it short: one well-prepared call and you know where you stand.
- ±€300
- yearly savings going commission-free*
- 15 min
- is the entire advice call
- €0
- cost — even if you take out nothing
*Based on our experience. Savings differ per situation and depend on your current policies.
Genuinely independent
The adviser doesn't work for an insurer and earns nothing from any specific product. So you'll also hear what you don't need — no car, no car insurance; no need for legal aid cover, then none of that either.
Fully digital, arranged in days
A 1-minute form, a questionnaire in your inbox, and — if you want — the call within a few days. No office appointments, no paperwork.
Got nothing out of it? Then it was free
The call is free and without obligation. If everything turns out to be in order, it cost you exactly 15 minutes — and now you know for sure.
How it works
From form to advice in four steps
Tell us your situation
Pick what fits and leave your details. It takes 1 minute — that's all we ask for now.
A questionnaire in your inbox
You'll receive a short questionnaire by email — 10 to 15 minutes — about your home, household, car and what you've already arranged. Fill it in whenever suits you.
We do the homework
The adviser builds a commission-free proposal: which insurance you need, which you don't, and what it costs per month.
A 15-minute call — you decide
In one call you hear what's covered, what isn't, and why. You give your input, we adjust the proposal. Switch, change or leave everything as it is: up to you.
From request to advice within days — if that's the pace you want.
Free advice call · 15 minutes
Request your free advice call.
Tell us briefly who you are and what's going on. You'll get a short questionnaire by email, then one independent, commission-free adviser calls you for a 15-minute conversation.
Step 1 of 4
The call promise
Your rights are on paper — before you fill in anything
Most lead websites sell your number to the highest bidder. We do the opposite: strict agreements with one firm, in black and white in our privacy statement.
One AFM-certified firm
We share your data with exactly one independent, AFM-certified advice firm. This ensures you get high-quality, professional advice.
No means no — for good
Not interested after the call? Then you'll never be contacted again. No second round, no newsletter, no reselling to others.
Your data, your switch
You can withdraw your consent or have your data deleted at any time, with a single email. We always confirm it in writing.
Frequently asked questions
Know where you stand first
What does the advice call cost?
Nothing. The call is completely free and without obligation. PolisMoment is paid by the advice firm we work with — not by you, and not through commission on your policies. If the call brings you nothing, it only cost you a quarter of an hour.
What does commission-free mean — and how much does it save?
Most insurance premiums include a commission: an ongoing fee for the intermediary. With commission-free advice that surcharge disappears, so the same cover is almost always cheaper — in our experience easily around €300 a year, though it depends on your situation and current policies. Just as important: the adviser earns nothing extra from a bigger package, so you're only advised to take what you actually need.
I already have insurance. Why would I get on a call?
Because policies don't grow with your life by themselves. A baby, a different car, a move or moving in together: afterwards you're often paying double, or there's a gap in your cover — which you only discover when something goes wrong. In one short call you'll know whether anything needs to change. And if everything's fine, now you know for sure.
I just arrived in the Netherlands — which insurance do I need?
It depends on your situation. Liability insurance (AVP) and home contents insurance (inboedel) make sense for almost everyone; car insurance is legally required as soon as you own a car; legal expenses cover depends on your work and housing situation. That's exactly why we start with a short questionnaire — so the advice is about your situation, in English or Dutch.
How fast can this be arranged?
Everything is digital. The form takes 1 minute, the email questionnaire about 10 to 15 minutes, and then comes the call — within days of your request if you want. If you then decide to switch or adjust something, the adviser arranges it with you.
Who will call me?
Exactly one independent, AFM-certified advice firm that works without commission. If you say no after the call, you'll never be contacted again and your data is deleted. These agreements are fixed in our privacy statement.
Will my data be resold to multiple parties?
No, never. With your explicit consent, your data goes once to one advice firm — and to no one else. No trading, no lists, no second round. You can also withdraw your consent at any time.
Guides & explainers
Prefer to read up first?
Fair enough. Our guides explain Dutch insurance in plain language — read at your own pace and request the call whenever you're ready.
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