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An AOV (disability insurance) gives you an income if you get ill or have an accident. We explain your options. Our associated company, a separate licensed advice firm, arranges the 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. 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 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. Belastingdienst is the Dutch tax authority.
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 what would happen to your income, so you see which covers fit.
You compare the proposals calmly. Nothing is arranged before you approve.
From here our associated company takes over: they advise on the insurance, arrange it and take it out with you. You keep the same point of contact. You are insured only once the insurer accepts your application.
It's a fixed advice fee, not commission on your premium. For individual disability insurance that is the legal rule. It keeps the advice on your side. You hear the exact fee at your free intro call. Insurance advice is provided by our associated company A&H Finance. They advise you, arrange the insurance and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
For your AOV we map your income and situation anyway. We use that knowledge for your tax return too. Our associated company uses 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.
Disability insurance
One free intro call and a clear picture of your income risk. You get your cover arranged, with the same advisor as your contact after you sign. Your cover begins when the insurer approves you. Book your call to find your income risk within one working day.
What's included
A dedicated advisor
The tax deduction sorted
Help in English or Dutch
“Most freelancers never checked what happens to their income if they cannot work. I make that clear, then you choose.”
Kim van der Manden
Your advisor
Kim works for A&H Finance, our associated company. Kim advises you directly on your AOV cover.
Reviews
Really good experience - quick and professional. Definitely recommend, especially if you are an expat.
Always available to assist you and help you all through the process. Highly recommend!
I have been using TaxSavers for the last 3 years and I have always been very happy with the quality of their service, and especially appreciate their responsiveness.
