Arranging insurance when moving in together

Moving in together is a wonderful milestone, but also the perfect time to review your insurance. You likely have many duplicate policies, and by merging them smartly, you save immediately on your monthly costs.

Couples moving in together or who have recently moved to a shared home. · Updated: 2026-06-12

Avoid double premiums

When two households merge into one, you both bring your own insurance. This is a waste, as you pay double for things you can share. The main gains are in:

Personal Liability (AVP): One policy with family cover is sufficient for both of you.
Home Contents: Your belongings are now in the same house. One insurance at the new address is enough.
Legal Expenses: You can also convert this to a joint policy, which is cheaper than two separate ones.

The second car arrangement

Do you both have a car? There's good news. Many Dutch insurers have a 'second car arrangement'. This allows the partner with fewer claim-free years to get the same discount as the partner with more. This often saves dozens of euros per month.

The power of the package policy

By placing all your insurances (car, home, liability, travel) with one insurer in a package policy, you receive a package discount. The more policies, the higher the discount. Plus, you have one clear point of contact.

Frequently asked questions

Should I cancel my old insurance immediately?

Yes, once you are registered at the new address and the joint policy is active, you can cancel the old one. Insurers often accept moving in together as a valid reason for mid-term cancellation.

How do I calculate the new value of our belongings?

Use a 'contents valuation meter' (inboedelwaardemeter). Completing this often gives you a guarantee against underinsurance.

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Situation: first home