Insurance for a new job or freelance switch: what should change too?

Car: does the new job change how you use it?

If you will drive more to clients, carry tools or demo material, or use the car differently than before, you want to know whether the motor policy still accepts that use. More kilometers, a different parking pattern or business-related use can all matter for premium and conditions.

A lease car, shared car or second family car also deserves a review. The question is not only what the premium does, but whether the terms still fit the actual use.

Equipment, laptop and home office

Do you work from home or carry a laptop, camera, tablet or tools around? Then you need to know what the contents policy and any out-of-home cover do. A standard private policy is often less generous for items used mainly for work.

Also check whether items kept in a car, locker or work room are properly included. Work gear is often more valuable than people think, and can quietly fall outside the standard cover.

From employee to freelancer: think liability too

If you become self-employed and register with the Chamber of Commerce (KVK), liability changes most of all. A private AVP does not cover business damage. Where private cover stops, discuss business risks separately with a business insurance adviser. Also, be aware of occupational health and safety rules (Netherlands Labour Authority) if you are setting up a home office.

That is still non-life insurance, just with a business context. The key is not whether your private policy can stay on its own, but where personal cover stops and where you need a business adviser. Also read our guide to working from home as a freelancer with personal insurance gaps.

Have the work change reviewed independently

An independent review helps line up the car, contents, work equipment and any business liability with your new job pattern. You get a comparison without your details being sold on to multiple parties.