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Investing in the Netherlands: 7 key tips to get started today

Lyna Meyrer 🇱🇺
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Investing in the Netherlands: 7 key tips to get started today

Want to get started with investing in the Netherlands but don’t know where to start? I’ve been there.

Investing is one of the most effective ways to grow your wealth over time, and with the Netherlands’ stable economy, you have plenty of opportunities to get started.

In fact, investing is getting more and more popular in the land of clogs, with recent studies suggesting that nearly 2 million households (a.k.a. one-fourth of the population) now invest in one form or another. 

But whether you’re thinking about putting your money into stocks, ETFs, or cryptocurrencies, it’s important to know the basics before you jump into it.  👇

💡 Disclaimer: Investing always involves risks.

1. Choose an investment platform that fits your goals

Before you invest a single one of your hard-earned euros, you’ll need to find an investment platform to do it with. In doing so, it’s important to pick one that matches your financial goals, experience level, and personal preferences.

There are heaps of investment platforms out there, some better suited for those just getting started and others that cater to experienced traders looking for more advanced tools. 

international-with-a-manbun-typing-on-his-laptop-as-he-works-from-home-via-a-fast-dutch-internet-connection
Do your research — it’ll pay off. Image: Freepik

When choosing the right one for you, there are certain factors to keep in mind:

  • Fees: Does the platform have trading commissions, account maintenance fees, or significant currency conversion costs?
  • Language: Is it available in English (or another language that you speak)?
  • Available products: Does it offer the types of investments you’re interested in (for example, Dutch stocks, global ETFs, cryptocurrencies, sustainable funds)?
  • Ease of use: Does it have an intuitive interface that makes investing easy and seamless?
  • Extra features: Are there extras like automatic investing, educational content, a credit or debit card?

While people may suggest different platforms and apps to you, it’s important that you take time to explore your options and pick one that suits your needs (trust me, you’ll thank yourself later).

Not sure what investment platform to go with? Scalable Capital is one of the most affordable online financial brokers out there. With its easy interface, smart tools and a wide variety of investment options, it’s a great option for anyone, from complete newbies to experienced investors. 

2. Assess your risk appetite and investment goals

There’s always some risk involved in investing, but how much you take on depends on what you’re comfortable with — a.k.a. your risk tolerance. 

Risk tolerance refers to how comfortable you are with the ups and downs of the market: Are you okay with seeing your investments dip temporarily if it means higher potential returns? Or do you prefer a more stable, lower-risk approach, even if the growth is slower?

To avoid panic later on, it’s important to be honest when you ask yourself these questions. 

It’s also important to think about your investment goals and timeline, that is, whether you’re in it for the long term or the short term.

Lastly, make sure your investment strategy aligns with your financial goals and life situation. Are you saving for a house? Starting a business? Planning for retirement? All of these factors have an impact on your financial situation and, with that, should shape your investment strategy.

photo-of-woman-and-realtor-outside-house-while-buying-house-Netherlands
Looking to become a homeowner? This will have an impact on your investment strategy. Image: Freepik

3. Diversify your portfolio to spread the risk

Ever heard the saying “Don’t put all your eggs in one basket”? Well, that’s also (or especially) true when it comes to investing. 

No matter how confident you feel about a single company or sector, investing all your money in one place is very risky. Sure, if that stock takes off, you’re good — but if it plummets, your entire portfolio suffers. 

And that’s why diversification, or spreading your money across different types of assets, industries, or markets, is so important. 

While investing in certain stocks in the Netherlands is a great start, adding global investments to your portfolio gives you exposure to different economies and industries, so you’re less affected if one market underperforms (or if Trump decides to crash one 😉).

Whether you’re interested in ETFs, individual stocks, or crypto, Scalable Capital has you covered. You can get started with as little as €1 and invest in over 2000 ETFs, 7000 stocks or 17 cryptocurrencies. 

Start your investing journey

4. Start easy with index funds and ETFs

Speaking of diversification: If you’re new to investing, index funds and ETFs (Exchange-Traded Funds) are a great place to start. These offer a simple way to grow your money without having to pick individual stocks or constantly check the market.

They’re also great because they allow for diversification. With just one investment, you can own a small slice of dozens (or hundreds!) of companies, which helps spread out risk.

Some popular ETFs for Dutch and European investors include:

  • iShares AEX UCITS ETF, which tracks the Dutch AEX index (the top 25 companies listed in the Netherlands).
  • Vanguard FTSE All-World UCITS ETF, which lets you invest in developed and emerging markets from all over the world.
  • iShares MSCI World ETF, ideal for broad, long-term international diversification.
  • Scalable Xtrackers MSCI All Country World UCITS ETF, covering about 90% of global markets with a mix of direct investments and financial tools to track the market efficiently.
  • VanEck Sustainable World ETF, for those interested in socially responsible investing.

5. Know your Dutch tax rules

We hate to break it to you, but: Ja, the Belastingdienst will want its share of your investment profits, so it’s important to understand how the Netherlands taxes them.

In the Dutch tax system, your investments fall under Box 3, which covers your “wealth tax” (i.e. not income tax from work, which is Box 1).

Here’s how it works:

  • You pay tax on your net assets (your total assets minus debts) as of January 1 each year. This includes things like cash, stocks, ETFs, crypto, and second properties.
  • There’s a tax-free allowance (heffingsvrij vermogen) of around €57,000 per person (or €114,000 for tax partners) in 2025.
  • Anything above that amount is taxed based on a provisional return the government assumes you make, not on your actual investment gains (yes, it’s complicated, but there is help*).
  • The percentage of tax you pay depends on how much wealth you have, with higher wealth brackets assumed to earn a higher return.

*Sounds confusing? It is, but luckily, some investment platforms (such as Scalable and DEGIRO) provide you with a tax report that makes declaring your assets much easier.

6.  Start small and be patient

One of the biggest myths about investing is that it’s only for people with a lot of money. In reality, you can start small, even with just a few euros, and build your portfolio over time.

The key is consistency and patience. Markets go up and down, and dips can feel discouraging. But historically, markets grow over time, so staying invested (even through the ups and downs) gives you the best chance to benefit from that growth.

woman-looking-at-stocks-on-ipad
There will be ups and downs, but patience will pay off. Image: Depositphotos

Since trying to guess the perfect moment to buy or sell is pretty much impossible, a great way of investing is the so-called DCA (Dollar-cost-averaging) strategy, where you invest a fixed amount of money at regular intervals, regardless of the market conditions. 

This averages your buy price over time and keeps your emotions out of investing, letting consistency and time do the work for you.

💪 TIP: Many investment apps, such as Scalable, offer a DCA automation tool (Savings Plan). With this tool, money is automatically deducted from your account and invested at regular intervals.

7. Stay informed and keep learning

One thing about the stock market is that it is always changing and evolving, so staying informed is key to making smart investment decisions. 

Luckily, there are plenty of (free!) resources out there to help you stay up-to-date and improve your financial knowledge, such as books, YouTube channels, and podcasts.

The more you know, the better equipped you are to handle market ups and downs, seize opportunities, and adjust your strategy when needed. So, keep educating yourself! 💪

What questions do you have about investing in the Netherlands? Or what tips would you give to beginners? Share them in the comments.

Two Dutch 17-year-olds arrested for allegedly shooting a fellow student in Amsterdam

Federica Marconi
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Two Dutch 17-year-olds arrested for allegedly shooting a fellow student in Amsterdam

A regular Tuesday afternoon took a shocking turn in Amsterdam-Noord when gunshots rang out near Gare du Nord, leaving a 20-year-old student injured.

The same evening, a special police team swooped in and arrested two 17-year-olds, who are believed to be connected to the shooting.

According to Dutch police, all three individuals, the victim and the suspects, attend the same ROC school in Amsterdam.

Gunfire in broad daylight

The shooting happened around 2:45 PM on the afternoon of May 6.

Officers rushed to the scene and found the victim lying on the street, injured but still conscious.

Arriving a short while later, emergency crews provided first aid on the spot before rushing the victim to the hospital. Meanwhile, witnesses reported seeing two people dressed in black running toward Krijtmolenpark.

Following the incident, Amsterdam police wasted no time launching an investigation, with both suspects arrested later that evening.

One of the suspects is believed to have fired the shots, while the other is accused of being his accomplice.

Translation: [#Shooting in front of secondary school #ROC of #Amsterdam. A 20-year-old boy was shot in the right leg. 2x suspects, including the shooter, fled on a scooter. The report came in at 14.42 hrs. #PD cordoned off #trace investigation. 2x casings and scooter seized. Gare Du Nord #Amsterdam-Noord]

As reported by AT5, Amsterdam police said: “It is possible that a conflict arose in the school before the incident.’’

Both teenagers are now in custody and have only been granted access to speak with their lawyer.

As the investigation is currently ongoing, the police aren’t releasing further details for now.

Community shaken

Given that the shooting happened in broad daylight, with several people nearby at the time, it’s no surprise that the incident left a strong emotional impact on those who witnessed it.

The police recommend calling Victim Support at 0900-0101 if you were affected or need someone to talk to. You can also contact your local police officer.

The investigation is still underway, and police urge everyone who saw or heard anything to come forward. If you have any relevant camera footage, you can share it through this tip form by indicating the case number 2025109787.

Dig what you’re reading? Get more of it! Join our WhatsApp channel or Instagram broadcast to get the latest news straight to your pocket. ⚡️

The top 3 best coffeeshops in Almere

Samantha Dixon 🇦🇺
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The top 3 best coffeeshops in Almere

If you’ve just moved to the Netherlands or are visiting for a while, you’re probably curious where to find the best coffeeshops in Almere. 

While this city might not have the same international reputation as Amsterdam’s coffeeshops, it’s making a name for itself for quality cannabis. 

Unlike the rest of the Netherlands (where weed is only decriminalised), Almere is part of the Dutch government’s wietexperiment (weed experiment). That means weed sold in Almere coffeeshops is fully legal and regulated.

Whether you’re a seasoned smoker or just want to dip your toes into the world of Dutch cannabis, here are the three best coffeeshops in Almere, from an Almere local. 

1. Boerejongens Almere: a premium coffeeshop experience

Let’s kick things off with one of the most well-known names among the best Dutch coffeeshops: Boerejongens. Located right in the heart of Almere, at the Grote Markt, this place feels like a sleek, stylish, high-end dispensary rather than your typical dark coffeeshop.

What really makes this place stand out is that it stocks Hollandse Hoogtes, which offers some of the highest-quality weed in the Netherlands. The strains on offer are carefully selected and of premium quality and include some of my personal favourites.

Strain tip: If you’re ready for a relaxing night in, Gorilla Glue is my top recommendation. This indica dominant strain will let you sink into your couch like it’s a cloud, while its 40% sativa composition means you can still make it to the fridge. With a sweet and sour tang and an earthy smell, this is hands down the best pick for unwinding after a long day without completely zoning out.

The staff here are dressed in white lab coats, offer incredibly friendly service, and make it easy to ask about the different strains so you can find one that suits your needs. 

photo-of-male-staff-member-at-boerenjongens-almere-wearing-blue-shirt-and-smiling-at-camera
The staff here are trained in advising the best (and legal) products. Image: DutchReview

There’s also always someone dressed in a blue shirt: these are experts in Almere’s legal weed experiment and are the best people to advise you over the legal strains.

Boerejongens is one of the best coffeeshops in Almere for a sophisticated yet chill experience.

2. Coffeeshop Chillie Kiki: affordable and authentic

Now, if you’re after something a little more laid-back and local, Coffeeshop Chillie Kiki is a great pick. An Almere institution since 2005, this coffeeshop was recently fully renovated but still has a solid reputation among locals for a down-to-earth vibe and affordable prices. 

I’ve been here a few times, and it’s always the same: the staff are friendly but not too chatty, and the weed selection is fantastic for the price. They also have FYTA weed on the menu, which is legally produced and of high quality. At Chillie Kiki, I particularly like Fyta’s Race Fuel OG, a 50/50 strain with a high THC content (around 20%!) giving you an energising and uplifting effect.

Grab a joint, kick back, and enjoy the simple pleasures of a great weed session without spending a fortune, because this Almere coffeeshop is one of my favourites. 

3. Coffeeshop Koffie & Dromen: chill vibes and good coffee

Coffeeshop Koffie & Dromen is perfect for those who enjoy a more relaxed, cosy vibe. The atmosphere is warm and relaxed, and the staff are as friendly as they come. 

Best of all? This coffeeshop is on an authentic, vintage BOAT. Imagine smoking your joint while floating on the water. It’s one of those “only in the Netherlands” experiences, and trust me, it’s worth it.

My favourite strain here is the Rainbow Sherbert 11 (RS11), a brilliant cross between Pink Guava with a Sunset Sherbert. This strain is known for its calming effects, without making you a couch potato. With a fruity tang and hints of sour citrus, this is more than an ideal strain for on the go — it tastes good too.

The chilled-out vibe, the impressive and legal cannabis selection, and the boat make this place a truly memorable stop. Whether you’re looking to have a quiet afternoon by yourself or want to enjoy a smoke with friends, Koffie & Dromen is easily a top coffeeshop in Almere. 

Can you smoke weed in Almere?

Yes! In Almere, buying and smoking weed in coffeeshops is not only allowed, but it’s completely legal. 

Thanks to Almere’s involvement in the wietexperiment, you can be sure that the weed you’re buying is regulated and of high quality. It’s comes direct from the grower in a sealed package and has specific details on THC and CBD levels — now that’s fancy. 

As of April 7, 2024, only fully regulated cannabis is sold, so you don’t have to worry about anything shady.

Just keep a couple of rules in mind: 

  • You can only smoke in designated places: So no puffing in public areas or near schools, and no smoking tobacco indoors.
  • You need to be 18 or older: Bring a valid ID with you — yep, even if you think you look 25, make sure you’ve got the proof.
  • You can buy a maximum of five grams a day: Luckily, that’s enough for even the best of us to party.
photo-of-man-in-lab-coat-holding-marijuana-leaf-with-green-marijuana-plants-in-background
The weed experiment means that weed in Almere is legal and regulated. Image: Freepik

Tips for smoking weed in Almere safely

While weed in Almere coffeeshops is legal, make sure to stay safe while smoking by: 

  • Avoiding street dealers: Only buy from coffeeshops. Street dealers are illegal, and you don’t want to get caught up in anything dodgy or buy weed that’s laced with something else.
  • Going easy: Dutch weed tends to be a bit stronger than what you might be used to, so take it slow and see how you feel.
  • Remaining in safe environments: After you’ve smoked, take it easy. Don’t bike, drive, or explore too much — just chill out and let the buzz pass.

Other things to do in Almere (besides lighting up)

If you’ve got a bit of time to kill in Almere, don’t spend it all at coffeeshops. There’s plenty to see and do, and it’s a great way to take in the city after a relaxing sesh.

  • Visit the Oostvaardersplassen nature reserve: A beautiful nature reserve with wildlife like deer and wild horses. It’s perfect for a scenic walk after your smoke — take it from me. 😉
  • Explore Almere Centrum: This is a design lover’s dream. The city is known for its modern, innovative architecture. If you appreciate good design, you’ll love it here.
  • Walk around Almere Haven: A charming neighbourhood full of canals, cosy cafes, and quaint shops. 
  • Chill on Almeerder beach: In summer, this beach is the place to be. If you’re feeling adventurous, rent a paddleboard and enjoy the water. Got some extra time? Check out the rest of the Duin area, with cafes, restaurants, open-water pools, sailing schools, and more. 
  • Check out the PIT Safety Museum: For something a bit different, head to this quirky museum dedicated to safety and emergency services.
  • Shop or catch a film: The shopping district is buzzing with shops, restaurants, and cinemas — perfect for a fun day out.
photo-of-almere-haven-taken-from-across-the-water-with-two-towers-and-buildings-on-horizon
The Almere Haven is a top spot for visitors, and is close by to some of the best Almere coffeeshops. Image: Freepik

Final thoughts: Is Almere worth visiting for weed?

Almere might not have the same tourist draw as Amsterdam, but it’s got a unique, laid-back charm that makes it well worth the visit. 

If you’re after high-quality weed without the crowds, this city delivers. 

With coffeeshops like Boerejongens, Chillie Kiki, and Koffie & Dromen, you can enjoy a relaxing experience with top-notch cannabis in a calm, friendly atmosphere.

So, whether you’re a local or just passing through, Almere is a great place to light up and kick back. You won’t be disappointed!

What is your favourite coffeeshop in Almere? Tell us in the comments below!

Travelling to Amsterdam or Utrecht? Avoid the motorways this weekend — here’s why

Ada Dolanay
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Travelling to Amsterdam or Utrecht? Avoid the motorways this weekend — here’s why

We hate to be the bearer of bad news, but extensive roadworks are due across several motorways in the Randstad — and yes, they’ll affect your commute! 🚧

From today (May 9) onwards, the Rijkswaterstaat will be launching major infrastructure upgrades to improve roads and waterways.

Given the size of the job, these renewals mean serious traffic disruptions, so plan your trip wisely!

Here’s what we know

The disruptions will impact weekdays and weekends, so wherever you’re headed, it’s smart to plan accordingly. 📅

Listen up! Here’s what you need to know:

  • From Friday, 9 May 8 PM until Monday, 19 May 5 AM, the A12 will be closed between the Maanderbroek and Lunetten junction on the Veenendaal towards Utrecht road. Traffic will be diverted on the A30, A1, A27, A50, A15, A2 and A27 depending on your direction of travel. 
  • From Friday, 9 May until Monday, 12 May, and from Friday, 23 May until Monday, 26 May, the A27 will be closed at the Everdingen junction towards Utrecht.
  • From Friday, 9 May 10 PM until Monday, 26 May 5 AM, the A1 will be closed between the Watergraafsmeer and Diemen junction. Traffic will be redirected via the A2 and A9 highways. 
  • From Friday, 9 May 10 PM until Monday, 12 May 5 AM, the road between the Everdingen and Lunetter junction will be closed. Traffic will be rerouted via the A2 and A12. 
  • On the weekend of Friday, 16 May, 8 PM until Monday, 19 May, 6 AM, and Friday, 23 May, 8 PM until Monday, 26 May, 6 AM, the A2 carriageway will be closed between the Maarssen and the Oudenrijn junction. Traffic will be diverted to the parallel carriageway. 

Translation: We are carrying out major maintenance on several #highways in the coming weeks. 🚧 As a result, we expect extra traffic on the road. Therefore, check your route in advance and adjust your trip if possible.

Expect delays and plan ahead

With school holidays and luscious weather keeping us company, traffic is expected to spike, especially this weekend. 

Delays could range from 30 to 60 minutes, so it’s best to give yourself extra travel time and check your route before departure. 

If avoiding traffic sounds more appealing, consider rescheduling your plans, grabbing your sunnies and going for a picnic near your house to dodge the delays. 🧘🏻‍♀️

How will you spend this weekend? Will your plans be affected by the roadworks? Let us know in the comments below.

Australia and the Netherlands: Adventures at sea and shared history

Kristy Atkinson
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Australia and the Netherlands: Adventures at sea and shared history

Australia and the Netherlands may not be mentioned in the same sentence all that often, but you’ll be surprised how many links there are between them.

For two very different landmasses (one tiny, one huge) on opposite sides of the globe, Australia and the Netherlands have an unlikely but close connection.

Dutch exploration of Australia

Alright, time for a crash course in history

For many Dutchies, it isn’t a big surprise to hear that the Dutch were the first Europeans to set foot on Australian soil.

The navigator Willem Janszoon made landfall in Queensland in 1606 and Western Australia in 1618. 🧭

Then, of course, Dirk Hartog was the leader of the second European group to land in Australia — and the first to leave an artefact behind to record his visit in 1616. Namely, the Hartog Plate on what is now known as Dirk Hartog Island.

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Australia and the Netherlands have vastly different landscapes, but a shared history nonetheless. Image: Depositphotos

Frederik de Houtman, Abel Tasman, and Willem de Vlamingh were the other notable Dutch explorers who first began charting the land Down Under in the 17th century.

READ MORE | New Zealand’s namesake: how the Dutch named NZ

In fact, the Dutch played such a big role in the exploration of Australia that the country was once called “New Holland.” 😱 That’s until it was colonised by the English in 1788.

Dutch shipwrecks in Australia

With so many Dutch ships exploring Australia and sailing past its West Coast on their way to Jakarta (then Batavia), there were inevitably also quite a few shipwrecks.

Why inevitably? Were the Dutch bad seafarers? Neeee. 🙅‍♂️

The coast of Western Australia is the resting place of more than 1,400 shipwrecks (not just Dutch ones) because of its long and difficult coastline and the common powerful storms and cyclones.

During the 16th and 17th centuries, the inability to accurately measure longitude meant many ships turned out of the “Roaring Forties” (the nickname for the strong westerly winds around Australia) too late.

The result? Ships smashed into the coast instead of heading up to Indonesia — whoops.

READ MORE| What was the VOC? The Dutch East India Company explained

Perhaps the most well-known shipwreck on the West Australian coast is the VOC ship Batavia, which was lost in 1620.

The story of the mutiny, wreck, and consequent massacre that took place amongst the survivors of Batavia has made this shipwreck quite infamous.

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The replica in Lelystad. Quite a sight! Image: Depositphotos

By now, it’s been the subject of numerous articles, books, films, and even an opera!

If you want to feel part of this intriguing Dutch-Australian history, you can visit a replica of the ship in Lelystad. Remains of the original shipwreck are displayed in the Western Australian Museum, Geraldton.

Dutch place names in Australia

The Dutch didn’t only leave shipwrecks behind in Australia but also their (beautiful?) language — or at least words and names from it.

Even today, a lot of places in Australia are named after Dutch people or places. While some of these names have changed throughout time, many still exist in an anglicised version.

READ MORE | 7 places named by the Dutch (that you might not know about)

What might be surprising to a lot of Aussies, and maybe even Dutchies, is just how many places were named by the Dutch.

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Tasmania has the Dutch to thank for its name! Image: Depositphotos

Let’s start with the usual spots named after notable Dutch people or places in the Netherlands, such as:

  • Dirk Hartog Island, Western Australia (named after the explorer who landed there)
  • Arnhem Land, Northern Territory (named for the city of Arnhem)
  • Gulf of Carpenteria, Queensland (named for Pieter de Carpentier, then Governor-General of the Dutch East Indies)
  • Wessel Islands, Northern Territory (named after the ship Klein Wesel, which was named after the city of Wesel)
  • Maria Island, Tasmania (named after Maria Van Aelst, the wife of Anthony Van Diemen)
  • And of course, the original name for Tasmania was Van Diemen’s Land, named for Anthony Van Diemen, then it was changed to Tasmania, for Dutch explorer Abel Tasman!

And here are the wildcards — names that don’t sound like they were named by the Dutch, but actually were:

  • Crocodile Islands, Northern Territory (originally ‘Crocodils Eijlandt’)
  • Storm Bay, Tasmania (originally ‘Storm Baij’ because of a heavy storm that drove Abel Tasman out of the bay)
  • Swan River, Perth (originally ‘Zwaanenrivier’ or ‘Swarte Swaene-Rivier’ after the black swans in it)
  • Rottnest Island, Western Australia (originally ‘Rottenest Eijland’ as the Dutch thought the Quokkas were rats; hence ‘rat’s nest island’)

Below, a happy Quokka — definitely not a rat.

australian-quakka
How is this a rat?! Image: Depositphotos

Dutch-Australian sister cities

There are also many links between Dutch and Australian cities, or ‘sister cities’ as they’re called.

Sydney is a sister city to Amsterdam (along with about twenty other cities — but apparently, it’s a big family).

READ MORE | 4 surprising similarities between the Netherlands and Australia

Even the town where I grew up in Tasmania, called Kingston, is a sister city to Grootegast, a village in Groningen.

The Dutch immigrants who settled in the town of Kingston founded the local Calvin Christian School, which hosts an annual oliebollen festival.

In fact, so many Dutch immigrants moved to an area in Kingston now called Firthside, that it was originally called ‘Little Groningen’!

Immigration from the Netherlands to Australia

Although the Dutch began the exploration of Australia, the southern land was eventually colonised by the British. It then became a federation in 1901 and finally an independent sovereign nation after World War I. 🎉

After World War II, immigration to Australia from Europe boomed, and the Dutch were one of many nationalities who helped to populate the vast country.

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Dutch immigrants waving ‘hoi’ to Australian coasts in 1954. Image: Commonwealth of Australia – official photograph/Wikimedia Commons/Public Domain

Today, 240,000 Australian residents claim Dutch ancestry, and 95,000 were born in the Netherlands. Many parts of Australia have strong Dutch communities that are still active today — leuk!

Some of the most notable Dutch Australians include:

  • Paul Cox (Paulus Henrique Benedictus Paul Cox): a filmmaker born in Limburg who emigrated to Australia in 1956.
  • Edward Duyker: a historian, biographer, and author who has written numerous biographies of early explorers as well as ‘The Dutch in Australia.’
  • Anna Johanna Maria “Annita” van Iersel: known as Annita Keating from 1975-1998 and the former wife of Paul Keating, former Prime Minister of Australia.
  • Anthony LaPaglia: a well-known Australian actor whose mother was Dutch and father was Italian.
  • Trevor Marmalade (Jason van de Velde): an Australian comedian of Dutch descent.
  • Harry Vanda (Johannes Hendrikus Jacob van den Berg): a Dutch-born Australian musician who was best known as a member of the 1960s Australian rock band The Easybeats.
  • Johnny Young (Johnny Benjamin de Jong): a Dutch-born Australian singer hailing from Rotterdam.

Aussies in Holland

While many Dutch immigrants moved to Australia in the ’50s and onward, nowadays, there are many Australians who live in the Netherlands.

The two countries have an agreement that makes it fairly easy for Australians to work, study, and live in the Netherlands.

READ MORE | Permits and visas for the Netherlands: ultimate 2025 guide

Naturally, this means that there are large Australian communities to be found, particularly in Amsterdam and The Hague.

Politicians from Australia have visited the Netherlands in the past (as well as King Willem and Queen Maxima visiting Australia on more than one occasion).

Where to go for Australian food in the Netherlands

There’s also an increasing number of Australian-owned and/or themed restaurants, bars and cafes opening around the country.

These include the Drover’s Dog restaurants in Amsterdam, Little Collins café in Amsterdam, De Rode Vosch (the Red Fox) restaurant in Utrecht, Coco’s Outback pub (which serves food) in Amsterdam, and the Ned Kelly pub in The Hague.

So, if you’re an Aussie feeling homesick or a Dutchie looking to try some Aussie food and drink, check these out!

Did anything surprise you about this Dutch-Australian history? Tell us in the comments below!

The best phone plans for students in the Netherlands

Lyna Meyrer 🇱🇺
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0
The best phone plans for students in the Netherlands

Finding the best phone providers for students in the Netherlands is just one of the many exciting tasks you will face when you embark on your Dutch study journey.

Studying in the Netherlands is a once-in-a-lifetime adventure for many, filled with unique experiences, new-found independence, and great friends. 

Of course, amidst all the excitement, there are practical challenges to tackle — like finding ways to save money on your phone bill.

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.

What are the best Dutch phone plans for students?

As a student, your priorities for a phone plan often revolve around a few key essentials: fast internet, affordable rates to call your family, and reliable cell reception.

To come up with this list, we ranked Dutch phone plan providers by the following factors:

  • Affordability (students are on a budget, after all!),
  • Data speed,
  • English-language customer service and websites,
  • International calling and texting options (to stay in touch with family back home),
  • Customer service.

 So, what Dutch phone providers best fulfil all these needs? Let’s have a look.👇 

LEBARA: best overall

Lebara-logo-mobile-phone-provider-in-the-netherlands

LEBARA is our top pick for a phone plan for students in the Netherlands. It offers ultra-cheap plans tailored to your needs, easy international calling, and English web pages and customer service.

Plans start from just €4 and are cancellable or adjustable monthly. It also operates on the KPN network, giving you top coverage and the best speed. ⚡

Get LEBARA

Simyo: best for flexibility

simyo-orange-logo-mobile-data-netherlands

Simyo is another favourite with both Dutch and international students, offering customisable SIM-only plans from just €6 per month. 

Want to get started with a Dutch provider right away? Then Simyo’s eSIM option might be the perfect choice for you.

Sign up for Simyo

Simpel: best for controlling your spending

Simpel-logo-mobile-phone-provider-in-the-netherlands

Simpel offers SIM-only bundles starting at €4 per month, perfect for students. You can customise your subscription each month and set a consumption limit to prevent unexpected expenses.

The downside? Subscriptions are typically one or two years long, making them less flexible than Simyo or LEBARA. But if you’re here for an extended period, Simpel is worth considering.

Connect with Simpel

Ben: best for bundle deals

ben-logo-mobile-phone-sim-card-network-in-the-netherlands

Ben doesn’t do prepaid SIMs, but we’re big fans of their highly customisable SIM-only bundles.

Tailor your subscription with options like unlimited calling, messaging, or data, and enjoy the flexibility to cancel monthly. Plus, if you have an Odido TV or internet subscription, you can snag a special discount.

Connect with Ben

Budget Mobiel: best for cheap data

Budget-Mobiel-logo-mobile-phone-provider-in-the-netherlands

Looking for a budget-friendly SIM-only bundle for your Dutch adventures? Budget Mobiel is the answer.

Starting at just €7 per month, Budget Mobiel offers affordable data packages with bundles ranging from 3 to 15GB — or unlimited to surf the web whenever and wherever.

Get BudgetMobiel

Youfone: best for reliable customer service

youfone-logo-sim-only-provider-in-the-netherlands

With the option to set a cap on data usage and calling, Youfone is great for students who are balling on a budget (which, let’s be real: aren’t we all?).

They offer reliable SIM-only bundles and attractive prepaid options. Although their website is only available in Dutch, their customer service is top-notch, consistently rated among the best in the country.

Sign up with Youfone

Do I need a Dutch phone plan as a student in the Netherlands?

Great question. Whether or not you need a Dutch phone number depends a bit on where you’ve moved to the Netherlands from — EU or non-EU — and how long you’re staying.

Regardless of your country of origin, it’s good to know that having a Dutch phone plan is almost always the most affordable option. Here’s why it’s worthwhile:

As an EU student

While EU students can continue using their home country’s mobile plans without supplementary charges in the Netherlands (thanks to EU roaming), having a Dutch phone number offers several advantages. 

Most importantly, it makes the Dutch bureaucracy much easier to bear. 

student-making-calls-using-smartphone-with-pop-socket
Getting contacted by Dutch authorities is much easier with a Dutch phone plan. Image: Freepik

Interaction with Dutch banks, transportation services, and healthcare providers is much simpler when you have a Dutch phone number. Tasks like getting a gym membership or even being called by your pizza delivery driver or GP also often require a Dutch number. (Trust me, I’ve struggled with this A LOT before getting a Dutch number).

That’s why I generally recommend getting that shiny Dutch number — unless you’re only in the Netherlands for one exchange semester.

As a non-EU student

For non-EU students, getting a Dutch phone number is particularly important. Why’s that? Well, simply because using a third-country number in Europe costs a heck of a lot of money.

Not only does a Dutch SIM facilitate communication with local contacts and institutions, but it also enables smoother integration into Dutch society (and lets you use Tikkie!). 

READ MORE | Studying in Amsterdam: everything you need to know

A Dutch phone number is often required for various administrative purposes, such as registering with the municipality, opening a bank account, or signing up for essential services like internet and utilities. 

Wanna travel around Europe while studying in the Netherlands? A Dutch phone plan allows you to use your data bundle abroad, making it easy to use WhatsApp, maps, and find the best local spots. If you want to call your family abroad, getting a phone plan with international calling options is recommended.

female-student-travelling-europe-and-using-Dutch-phone-plan
Travelling around Europe AND staying connected? A Dutch phone plan makes it possible. Image: Depositphotos

How do I get a Dutch phone plan as a student?

Getting a Dutch phone plan as a student is as easy as riding a bike or enjoying a pannenkoek.

Once you’ve decided what type of plan suits you best and what provider you want to go with, it’s time to gather your documents.

Typically, you’ll need: 

  • A valid form of identification: This could be your passport, ID card, or residence permit.
  • Proof of address: Some providers may require proof of your Dutch address, like a rental agreement or a utility bill.
  • A Dutch bank account to pay your bills: Many Dutch institutions or utility providers can only set up direct debits from Dutch bank accounts.

Next, head to the nearest store of your chosen provider or visit their website — and sign up. Once everything’s sorted, you’ll receive your Dutch SIM card either immediately in the store or by mail.

And voilà, you can now make calls, send texts, and stay connected as you explore your new home.

Student-in-the-Netherlands-using-phone-with-best-phone-plans-for-students-in-the-netherlands
First things first: downloading Tikkie. 😉 Image: Depositphotos

What types of phone plans exist in the Netherlands?

In the Netherlands (as in most countries), there are several phone plans to choose from. It’s important to choose the plan that best suits your needs and budget. Let’s break ’em down:

Prepaid SIMs

Prepaid SIM cards allow you to pay in advance for a set amount of calls, texts, and data. 

READ MORE | Unlimited data SIM cards in the Netherlands: the ultimate guide

Prepaid SIMs are great for those with commitment issues, as they allow you to stay in control of your spending and don’t require a long-term contract. 

However, rates per minute, text, or data may be higher than those of other plan types.

Phone Subscriptions (abonnementen)

Phone subscriptions include minutes, texts, and data, along with a brand-new smartphone. You pay a monthly fee for both the phone and the usage plan. 

female-hands-opening-new-phone-on-white-table-with-phone-subscription-in-the-netherlands
Ah, there’s nothing quite like unboxing a brand-new phone! Image: Depositphotos

Phone subscriptions typically require a longer contract commitment (e.g., 12 or 24 months) and may involve higher monthly rates compared to SIM-only plans.

SIM-Only Plans

SIM-only plans provide a SIM card and a monthly allowance of minutes, texts, and data without a bundled phone. 

SIM-only plans are usually more cost-effective than traditional phone subscriptions because you’re not paying for a new device. They are also often flexible and come with shorter contract periods. Win-win!

Do Dutch mobile providers offer student discounts?

The short answer to this question is no; Dutch phone providers generally don’t offer specific student discount deals. 

Why not? Dutch phone plans are already affordable enough — with some starting at less than €5 per month!

Many providers offer affordable options, some better suited to student life than others. So, if you want to find the best deals suited to your needs, you can do some research into Dutch phone providers and explore your different options.

Using a dual eSIM as an international student in the Netherlands

If you know you’ll only be in the Netherlands for a limited time; you might want to keep your phone number for your country of origin. At the same time, you know having a local number is important for bureaucratic reasons.

The solution? Getting a dual eSIM — that’s what I did during my student years. Instead of giving up my number from Luxembourg for a Dutch one, I simply had both!

To do so, I converted my Luxembourgish SIM to an eSIM and got a cheap physical SIM with a Dutch prepaid number. With the newer phones, you can also have two eSIMs at the same time, so it’s easy to have both a Dutch and an international number.

This way, I could keep using my old number when talking to my friends and family, but I also had a Dutch number available for things like making appointments with my GP, using Tikkie, and signing up for a gym.

After moving to the lowlands, it is important to set up a good phone plan for students in the Netherlands. 

It’ll not only allow you to stay in touch with the locals and watch Netflix on your commute home, but it’ll also make your integration journey much easier. Success!

Have you found another great phone plan for students in the Netherlands? Share your tips in the comments.

What do I need to get a Dutch SIM?

What is the most student-friendly mobile provider in the Netherlands?

Can I get a Dutch phone plan without a Dutch bank account?

A single ROOM for students now costs nearly €1000 per month in Amsterdam

Federica Marconi
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0
A single ROOM for students now costs nearly €1000 per month in Amsterdam

Thinking of moving to Amsterdam for your studies? Picturing canal views and gezellig student life? Adorable. But the reality is far less romantic and far more expensive.

According to rental platform Kamernet, student rents across the Netherlands rose by an average of 6.2% last quarter, bringing the national average to €683 per month.

Spoiler alert, Amsterdam is way above this average. 😬

Amsterdam is still the queen of pain

According to Kamernet, the average rent for a student room in Amsterdam now sits at a painful €979 per month, up 3.2% from last year. 👑

It remains the undefeated champion of Dutch rent prices, towering over Utrecht with an average of €803 for a student room, and Haarlem at €770. 

READ MORE | The cost of living in Amsterdam: all you need to know in 2025

But the rest of the Netherlands isn’t catching a break either. Here’s how much average student room rental prices increased across Dutch cities. 👇

CityAverage rentPercentage increase
1. Amsterdam€9793.2%
2. Utrecht€8031.4 %
3. Haarlem€7704.2%
4. Rotterdam€7564.7%
5. Den Haag€7534.1%
6. Leiden€63818.4%
7. Breda€6285.2%
8. Eindhoven€62013.6%
9. Den Bosch€6125.9%
10. Nijnmejen€59911.3%
11. Tilburg€563-2.4%
12. Groningen€5479.8%
13. Zwolle€5360.0%
14. Delft€52112.3%
15. Maastricht€5113.4%
16. Leeuwarden€46014.1%
17. Ede€4508.4%
18. Wageningen€45019.7%
19. Enschede€3974.2%

So, no, fleeing Amsterdam won’t necessarily save you unless you’re heading to Tilburg, the only city with a price drop.

Or who’s down to commute in Enschede? No clubs, but you’ll be able to afford an iced coffee. 😅

What’s driving these painful prices?

Jim Bijwaard, Kamernet’s Chief Operating Officer, points to one painfully simple reason: supply can’t keep up with demand.

“For many students, this means: little choice and higher costs,” Bijwaard explains.

Translation: too few rooms, too many students, and landlords acting like they’re not renting, but auctioning off square meters to the highest bidder. 💸

Whether braving the Amsterdam market or trying your luck in a smaller city, the crisis isn’t just real — it’s expensive, relentless, and very much still here.

Got a rent horror story, a secret housing tip, or just want to vent with fellow students? Drop it in the comments — let’s bond over our shared financial trauma. 💔

These four Dutch cities are among the 50 happiest in the world

Sarah O'Leary 🇮🇪
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0
These four Dutch cities are among the 50 happiest in the world

Have you ever looked out your window, seen even more clouds and thought “I’m out of here”? Go for it, but just know that you may already be living in one of the happiest cities in the world.

With no less than four Dutch cities landing among the top 50 rankings in the Happy City Index, it turns out that some parts of the Netherlands can be pretty great places to live — and hey, we’ve all seen how happy we can be when the sun comes out.

So, where should you make sure to be this year? Keep an eye on Rotterdam, Amsterdam, Utrecht, and Eindhoven.

Ok, but what counts as happiness?

“Happy” is a very broad term, so how does the Happy City Index actually measure this?

It’s not as simple as stopping strangers outside train stations and asking how many dogs they’ve petted in the last 24 hours.

So before we look at where these Dutch cities ranked, let’s lay out how they even landed on the list in the first place. The research looked at specific factors:

  • Citizens — Cities with the greatest social achievements
  • Governance — Cities with the best governance practices
  • Environment — Cities with the best environmental practices
  • Economy — Cities with the best economic performance
  • Health — Cities with the best health
  • Mobility — Cities with the best transport infrastructure

So, where did the Dutch cities rank?

Ranking within the top 10, Rotterdam turns out to be the happiest city the Netherlands has to offer — perhaps the butt plug gnome statue has something to do with this.

Next up, sharing the 35th spot with Bruges (Belgium), we have Amsterdam (we imagine rental prices may have dragged it down a few rankings).

READ MORE | 5 reasons why Dutch kids are happier than American kids

This was followed closely by Utrecht at 37, and then, clinging on in 50th place, Eindhoven — let’s thank ASML for this… because they’re always mentioned when it comes to Eindhoven’s achievements. 🙏

Dig what you’re reading? Get more of it! Join our WhatsApp channel or Instagram broadcast to get the latest news straight to your pocket. ⚡️

This handy app will help you save money like a pro in 2025

Juni Moltubak
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0
This handy app will help you save money like a pro in 2025

You’re probably not interested in hearing about inflation and the rising costs of living again, so we’ll keep it short: it sucks. Luckily, there are still ways to save money — even in this economy. 

With impressive money management and saving tools, cashback, and discounts, the Woolsocks app is a dream come true for anyone struggling with the tight grip of rising costs at the moment. 

In fact, the name of the company even comes from the old Dutch saying “saving money in your wool sock”, which pretty much describes an old-school piggy bank, fit for the traditionally money-savvy Dutchies. 

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.

Tedious made fun: the life hacks of money management  

The first step on any money-saving journey is to get an overview of your income and expenses. 

Simply add your Dutch bank account to the Woolsocks app, and it’ll track everything flowing in and out of your digital wallet. It’ll give you a good idea of what your most expensive habits are and where your money really disappears. 

woman-using-woolsocks-app-save-money-in-the-netherlands
Saving money can be easier than you think. Image: Depositphotos

The app will create cute, tidy graphs, so you can get a visual representation of your cash situation. 

On top of this, the app operates and organises automatically, so you won’t have to refresh your old Excel/statistics knowledge at all. 

It gets better: cashback on shopping

Cashback is a system originally developed for credit card use that has now entered the world of debit cards and online stores. 

Cashback rewards systems let consumers earn a certain percentage of the money they spend on shopping back when they purchase something. 

READ MORE | Dutch savings accounts: Best interest rates in the Netherlands

The Woolsocks app does this for you by quietly running in the background and generating cashback — without you having to lift a finger. Just look up if your favourite stroopwafel store partners with Woolsocks, and shop like you normally would. 

The only difference is that you’ll get some sweet cashback into your account within just a few days of shopping!

Discounts, because who wants to pay full price?

If the thought of saving money while you’re spending money sounds a bit too good to be true, you can also stick to a more old-fashioned yet trustworthy system: discounts. 

Woolsocks has a massive range of partners offering neat discounts on everything from stamps to stoves, from pants to pizza — there’s money to be saved around every corner. 

woman-saving-money-and-investing-with-woolsocks-app
Sure, old-fashioned piggy banks are great, but why not give money-saving a modern twist? Image: Depositphotos

So you’ve got a bunch of money left over. Now what?

We know it sounds like a fever dream to have a bunch of money left over, so it can be tricky to think of ways to put your excess cash to good use. 

If you’re looking for inspiration, we’ve got you covered with a few suggestions to make you feel just a little bit better about your saving habits.

Donate to charity 

With a long list of local and global charities on Woolsocks, you can pick and choose between heaps of good causes and find your next favourite organisation to gift your excess money to. 

Save, because that’s important too

Sure, donating makes you feel great, and more importantly: it helps other people as well. But every now and then, you just have to put aside some cash for your future self, and Woolsocks is great for this. 

With simple overviews of income and expenses, cashback and money saved and made, the app makes it easy to keep track of just how much money you can afford to set aside. 

Stuff some money in Woolsocks

It’s not easy saving money in this economy, but some tools and techniques make it just a bit more straightforward. And if you live in the Netherlands, you’re lucky enough to be surrounded by money-saving culture wherever you look!

Have you mastered the Dutch art of saving money? Tell us your best life hacks in the comments below!

Everything you need to know about bike insurance in the Netherlands [2025 guide]

Lyna Meyrer 🇱🇺
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1
Everything you need to know about bike insurance in the Netherlands [2025 guide]

To get or not to get bike insurance in the Netherlands? — that’s the question. And it’s a valid one: after all, if you live in the beautiful lowlands, your bike is one of your most prized possessions.

But how does bike insurance even work? What does it cover? And, very importantly, how much does it cost? 

There’s a lot to know about bike insurance in the Netherlands — and our ultimate guide will answer all your burning questions.

Do I have to take out bike insurance in the Netherlands?

The short answer to this question is nee. Unlike car insurance, bicycle insurance in the Netherlands is not legally mandatory. 

This means that whether you should get insurance for your fiets is entirely up to your own discretion. That being said, certain types of bikes have a theft rate of up to 90%, so for those, it’s certainly worth considering.

young-adults-biking-in-amsterdam-with-bike-insurance-in-the-netherlands
Pas op! Especially e-bikes are heavily targeted by bike thieves. Image: Freepik

So, while you don’t have to take out bike insurance, you should still consider whether or not you need it. This is especially true if you:

  • Tend to park your bike in “risky” areas (we’re looking at you, people who leave their unlocked bike near random canals on nights out).
  • Often leave your bike unattended for long periods (at the train station, for example).
  • Have an expensive bike or a (much-desired) e-bike.

Insuring your bike in the Netherlands can have many advantages. Your bike is damaged? Insurance has it covered. Was it stolen from a public place? You’ll get your money back in no time!

Oh, and it’s much cheaper than you may think. 👀 

How much does it cost to insure my bike in the Netherlands?

Now for the information you’ve all been waiting for: how much does bike insurance cost in the Netherlands?

Though prices vary depending on factors such as your postal code, the type of bike you ride, and your age, there’s bike insurance out there that’ll cost you a mere few euros per month.

READ MORE | ​​From omafiets, to mamafiets, and bakfiets — Dutch bikes, explained

Yup, prices for basic insurance can start as low as €2.27 per month for a normal stadfiets. But even insuring that fancy e-bike (which we highly recommend you do) can be as cheap as just €5 per month! Think about it: that’s less than a venti caramel frappuccino from Starbucks. 💁 

Looking to get great bike insurance that’s also goedkoop (cheap)? Check out Univé. Starting at only €2.27 per month, they offer one of the most affordable insurance policies out there — for anything from traditional bikes to cargobikes or e-bikes. On top of that, they offer great discounts on insurance packages. Ka-ching! 💸

Generally speaking, you’ll find bike insurance in the following price ranges:

  • Traditional bikes: €3-€10 per month
  • E-Bikes: €5–€15 per month
  • Fat Bikes: €7–€20 per month

Wanna get even more bang for your buck? Dat kan! Many insurance companies offer package deals which let you combine your bike insurance with, for example, your car or liability insurance.

Father-and-daughters-having-a-ride-with-cargo-bike-in-the-nertherlands
Bike insurance is much more affordable than you’d think. Image: Depositphotos

What types of bike insurance can you get in the Netherlands?

Here’s where we get into the nitty-gritty. As with any type of insurance, there are many options to consider when insuring your bike.

Expiring bike insurance (Aflopende fietsverzekering)

Expiring (e-)bike insurance is a type of insurance that automatically ends after a period of three or five years. The premium is paid in one go at the beginning of the cycle.

Let’s say you have a normal bike which you bought for €300. With expiring insurance that covers theft and damage, you’d be looking at a lump sum of around €70 for three years of coverage. 

If you have an e-bike which you bought for, say €1,200, then the same three-year contract would cost you around €100 in total. 

Continuous bike insurance (Doorlopende fietsverzekering)

If you get continuous bike insurance, your insurance takes the form of a “subscription”. Your premium is paid monthly (or (bi-)annually), and after a year, it can be cancelled on a monthly basis. 

In terms of pricing, a continuous policy is often slightly more expensive than an expiring one. 

With a normal bike, continuous insurance for theft and damage would cost you around €90 for three years (€2.76 per month). For an e-bike costing €1,200, you’re looking at around €110 for three years (€3.10 per month). 

All-risk coverage

deformed-bike-after-accident-owner-with-insurance-in-the-netherlands
With all risk insurance, you can cycle with true peace of mind. Image: Depositphotos

All-risk coverage means you’re covered against — surprise — all risks. This includes theft, but also damage to your (e-)bike and e-bike charger, for example, in the case of an accident, fire, or fall. 

With some insurance companies, you might have to cover a deductible of up to €35 for the damage (this is called eigen risico, or own risk). 

Theft coverage only

With theft coverage, your bike is insured only in the case of theft. This includes theft of things that are “attached” to your bicycle, such as a children’s seat or a basket. 

READ MORE | Take it from a former thief: this is how you can prevent your bike from being stolen

Theft coverage usually does not apply to “loose” accessories like GPS equipment. However, these can be insured separately as part of your policy.

Naturally, this option is cheaper than all-risk coverage. 

Are there any requirements I need to fulfil to get Dutch bike insurance?

Understandably, the main requirement for bike insurance in the Netherlands is having a good lock on your bike. This lock will have to be approved by your insurance company. ✅

Most insurers require that you use an ART-certified lock, and they’ll want proof of that if your bike is stolen (so hold onto that receipt!). ART is a Dutch certification that tests locks for toughness against theft. If your lock doesn’t meet the insurer’s standards, your insurance claim could be denied.

On top of that, when you sign up for bike insurance, you will also need to provide basic information such as your bicycle’s frame number and the number of spare keys you have.

Let op! Recently, more and more insurance companies have made it increasingly difficult to insure specific kinds of bicycles, or have opted out of it completely. This mostly concerns so-called fatbikes and e-bakfietsen by the company Urban Arrow. 

The reason? These bikes are extremely popular among sneaky bike thieves and have a very high percentage of reported thefts. According to recent statistics, 90% of all fat bikes are reported stolen, writes de Volkskrant. 😳

What’s not covered by bike insurance?

While bike insurance in the Netherlands offers great protection, there are some common exclusions that could leave you out of luck if you’re not careful. For example, most insurers won’t cover damage if you’re using your bike for commercial purposes, such as food delivery or courier work.

Student-drivers-waiting-to-deliver-their-food-orders
Delivery biker? Make sure to check with your insurance if your bike is covered. Image: Depositphotos

You’ll also need to prove ownership (usually with a receipt), or you might not get reimbursed if your bike is stolen. Accessories like baskets or phone holders generally aren’t covered unless your whole bike is damaged in the same incident.

And if your bike gets pinched but wasn’t secured with an approved lock? That’s usually a no-go for claims. So, make sure to check the fine print and stay within the lines of your policy to avoid surprises.

How do I choose the right bike insurance for me?

Choosing the right bicycle insurance is an important task. After all, you want your beloved fiets to be insured as best as possible — while (ideally) paying as little as possible. 😉

That being said, the best bike insurance for you might not be the best for the next person, and it’s all highly dependent on everyone’s individual situation. 

expat-couple-comparing-options-for-bike-insurance-in-the-netherlands
You can easily compare prices and policies online. Image: Freepik

The best thing you can do is compare different insurance providers’ prices and policies. Other than that, it might be worth checking if your current insurance company offers any special deals for bike insurance.

Looking to skip the hassle of comparing providers? We recommend Univé. And we’re not the only ones: Univé was voted the best bike insurer by the Consumentenbond (a Dutch non-profit which promotes consumer protection). They offer insurance for anything from bicycles to e-bikes (and much more!).

What do I do if my bike gets stolen/damaged?

Uh-oh, something happened to your bike! Well, aren’t you glad you have insurance? 😉

Here’s what to do next:

If your bike is stolen in the Netherlands

If your bike is stolen in the Netherlands, first of all, we’re sorry. There is some good news, though: your insurance can help you out! 

Before you contact your insurer, you should first contact the police. No, this isn’t because you’re a drama queen — you need a police report to file a claim.

Once that’s done, you can file a claim with your insurer. This can usually be done online, and all you’ll need is your frame number and police report. 

photo-of-man-wearing-balacava-stealing-bike-locked-to-handrail
Thousands of bikes get stolen in Amsterdam each year! Image: Freepik

It’s worth noting that where your bike was stolen plays a role in what you should do next:  

  • If your bicycle was stolen from a locked-up space inside your house, you can go to either your bicycle insurance or most household contents insurance. 
  • If it was stolen outside your home, your fietsvezekering (bike insurance) should cover it.

Tip: Before you report your bike as stolen, make sure to check your local fietsdepot first! Here, the municipality will drop off bikes that were wrongly parked. You can normally get your bike back by paying a fine of around €30 (depending on your municipality). 

If your bike gets damaged in the Netherlands

A damaged bike is no fun — especially if it’s broken to the point where you can’t ride it anymore.

But you can rest assured — if you’re insured, your bike insurance will cover the cost of your repair. All you have to do is file a claim. Most often, this can be done online.

It’s important to note that your insurance will not cover damage that has occurred from regular wear and tear, insufficient maintenance and meteorological influences. This means the only type of damage that is covered by insurance is that which is the result of an accident.

Filing and submitting your bike insurance claim

Before starting the claims process, make sure you have all the necessary documents ready. You’ll typically need:

  • A copy of your police report
  • Proof of ownership (like a purchase receipt)
  • Lock certificate or proof of ART-approved lock
  • Photos of the bike (if you have them)
  • Your insurance policy number

Once your documents are in order, you can fill out the claim form with information about the incident — where it happened, when, and any relevant circumstances. Upload your supporting documents and submit your claim.

Next up, your insurer will begin their assessment. If the claim is approved, you’ll either receive a payout to replace your bike or, in some cases, get a new one through a partner bike shop. The process can take anywhere from a few days to a couple of weeks, depending on the insurer and the complexity of the claim, but it’s well worth it to get your money back.

Bicycles are integral to Dutch life — so why not take care of them accordingly? With bike insurance, you can pedal with peace of mind and fully enjoy the ease of getting around on your beloved fiets. 

Do you have bicycle insurance in the Netherlands? Tell us your thoughts in the comments below! 

Bike insurance in the Netherlands: Frequently asked questions 

How much is bike insurance in the Netherlands? 

Do I have to get bike insurance in the Netherlands? 

Is bike insurance a thing in the Netherlands? 

Does everyone have bike insurance in the Netherlands? 

Does contents insurance in the Netherlands cover my bike?

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