Reduce Premiums
Excess, package discount, annual payment and double cover — the levers that lower your premium without sacrificing protection.
5 guides
Save on Insurance
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The 4-8-12 Rule: When to Downgrade Car Insurance & Save
Paying All-Risk for an 8-year-old car? Learn the strategic age brackets (WA, WA+, All-Risk) to decide when to downgrade your policy.
Secretly Double Insured? Slash Premium by Eliminating Overlap
Are you paying for coverage you already have? Learn how to identify overlapping Dutch policies (health vs. travel, breakdown cover) and save hundreds a year.
The Illusion of Package Discounts: Bundle or Split Insurances?
Is bundling insurances cheaper? Learn when package discounts pay off and when cherry-picking single policies saves you more.
The Math of Deductibles: How to Safely Save by Taking Risk
Should you raise the deductible (eigen risico) on your Dutch health, car, or home insurance? Learn the break-even math and lower your fixed monthly costs.
Hidden Installment Surcharge: Why Paying Monthly Costs More
Paying car & home insurance monthly? Discover the hidden termijntoeslag (installment surcharge) and how annual billing saves you money.