An AOV (disability insurance) gives you an income if you get ill or have an accident. 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. 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.
Our associated company advises you on the insurance from the free intro call. They arrange it and take 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 Manden
Your advisor
Kim works for A&H Finance, our associated company. Kim advises you directly on your AOV cover.
Insurance advice is provided by our associated company A&H Finance. In your free intro call you talk through what fits your situation. They advise you and arrange the insurance. 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 (the Dutch financial complaints institute). 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.
Reviews
Very good service, excellent communication, and clear instructions.
Great experience. Bram answered all of my questions and filed the tax return smoothly.
TaxSavers helped us with provisional and regular tax filing - very responsive, explained each line item, answered all the questions and saved some money! Will be coming back next year too.
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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