An AOV (disability insurance) gives you an income if you get ill or have an accident. We advise on your insurance. We take on the tax that follows. The insurer decides on your application before cover starts.
What AOV is
An AOV (arbeidsongeschiktheidsverzekering) pays you an income if illness or injury stops you working. As an employee you'd have two years of sick pay and then WIA. Self-employed, you have neither. WIA is the state scheme that pays employees after two years of illness. The premium is deductible in Box 1 if you are an income-tax entrepreneur. That means you run your own business, such as a sole proprietorship or a partnership. Own a limited company? Ask your advisor about the deduction. Box 1 is the Dutch tax category for income from work. Part of the cost comes back through your tax return. If you claim, the Belastingdienst (the Dutch tax authority) taxes your payout as income. You choose the waiting time, the benefit level and how long it pays. You compare the options together and get the right cover arranged.
New to working for yourself? We explain what you'd need if you were unable to work for a while.
Get this sortedEstablishedRunning for a while? Check whether your cover still fits your income.
Get this sortedAcross bordersWorking from abroad or do you have clients there? You get clarity on which rules apply and whether your AOV pays out there, plus a cover review before you sign.
Get this sortedTwenty minutes about your work, your income and what you already have.
We map your income risk, so your advisor can show which covers fit.
You compare the proposals calmly. Nothing is arranged before you approve.
We advise you on the insurance from the free intro call. Our associated company A&H Finance arranges it and takes it out with you. You are insured only once the insurer accepts your application.
Working abroad
Three things decide this: where you live, where you work and which tax treaties apply. The conditions of your policy then set whether you get paid out abroad. Moving abroad? Let us know beforehand and we check whether your cover continues. Just arrived in the Netherlands? Tell us, and we check what applies to you. Already have disability cover from abroad? Tell us about it too.
“Most freelancers never checked what happens to their income if they cannot work. I make that clear, then you choose.”
Kim van der Bijl
Your advisor
Kim works for A&H Finance, our associated company, and advises you on behalf of TaxSavers. Kim advises you directly on your AOV cover.
We give the insurance advice. The application and closing run through our associated company. In your free intro call you talk through what fits your situation. Do you have a complaint about the advice? Raise it with us first. If we do not reach a solution together, you can take it to Kifid, the Dutch complaints institute for financial services. A Kifid ruling is binding.
For your AOV we map your income and situation anyway. We use that knowledge for your tax return too. We use that same picture for advice on your pension and life cover. So you only have to tell us once.
Your tax return and the deduction
We file your return and make sure the AOV deduction lands.
Protecting the people at home
Disability cover protects your income. Life cover protects them if the worst happens.
Building a pension yourself
Self-employed and no employer pension? You get help planning it.
Reviews
Excellent service. Professional, knowledgeable, and provided clear, practical tax advice tailored to my situation.
Great experience. Very good services, quick replies and very straightforward information. Strongly recommend.
Enormously well helped by Kaylee and the BelastingBespaarders team, everything was clearly explained and guided. I was able to fully hand off my tax return without any hassle!
Disability insurance
One free intro call and a clear picture of your income risk.
What's included
A dedicated advisor
The tax deduction sorted
Help in English or Dutch
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