International Student Insurance

From € 4.50 per month
1-year term

With our Student Insurance, it's easy to organise your Personal Liability and/or Home Contents Insurance. Our home contents insurance covers all the possessions in your room against damage resulting from fire, storms and overflowing/leaking water, and theft after a break-in. The personal liability insurance covers you against accidental injury or damage to someone else or their possessions, for which you are legally responsible.

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Please note that you can only take out the Student Insurance if you have the Student Package.
Click here to take out a Student Package.

Additional information and conditions

What is the International Student Insurance?

Our Student Insurance policy offers you the following options:

Personal liability insurance, which covers you against accidental injury or damage to someone else or their possessions, for which you are legally responsible.
Home contents insurance, which covers all the possessions in your room against damage resulting from fire, storms and overflowing/leaking water, and theft after a break-in.

It’s up to you whether or not to take out personal liability and/or home contents insurance.

You can choose the date on which your Student Insurance takes effect.

Once you’ve received the insurance policy, you have 14 days to cancel it if you wish. This is free of charge. All you need to do is return the policy. You can cancel your Student Insurance policy at any time.

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Who is it for?

Student Insurance is available to students (including international students) who:

have a Student Package
are taking a full-time secondary or higher vocational level (MBO/HBO) or university level course
do not have children
are registered with a municipality in the Personal Records Database (Basisregistratie Personen, BRP)
do not stay abroad for longer than one year
are 18 or older, but if you are 16 or 17 years old, please call 0900 - 00 24 (usual call charges apply)
younger than 30 years old
married or living with a partner. In such cases, the policyholder must still be studying.

Once you’ve graduated, you are no longer eligible for a Student Insurance policy. In this case, please contact us on 0900 - 00 24 (usual call charges apply). We will then convert your Student Insurance policy into a normal insurance policy.

Don't yet have a free student account?

Open a student account via the ABN AMRO app

What is covered?

Personal Liability Insurance
Our personal liability insurance covers you for up to €1.250,000. This supplementary insurance is only valid if your parents’ personal liability insurance does not cover the damage or does not provide sufficient cover. The terms and conditions explain what is and isn’t covered by our personal liability insurance.

Tip: check whether, and if so until what age, you are covered by your parents’ personal liability insurance as a student. This can vary for each insurer. You’ll find this in the terms and conditions of your parents’ personal liability insurance under the heading "policyholders" or "who is insured". If your parents have personal liability insurance with ABN AMRO, you’re automatically insured, as long as you follow a full-time study.

What’s not insured
• Anything that you damage due to deliberate or careless behaviour.
• Damage to the possessions of another person living at your address.
• Damage that arose or was caused before the insurance took effect, or after it was cancelled.

The terms and conditions give an overview of situations that are, or are not, covered by personal liability insurance.
Home Contents Insurance
Home contents insurance covers the possessions in your home against fire, storms and overflowing/leaking water, and theft after a break-in. If you move house, your possessions are insured at both your old and your new address. The terms and conditions and the policy state the maximum amounts we will pay out in the event of damage. A complete overview of situations where you are and are not covered is also included. Please note: if you share a house with other people, theft is only covered if a break-in occurs in the part of the house occupied solely by you. In other words, communal areas are not covered.

What’s not insured
• Glass damage.
• If you cause damage through intent or negligence.
• Precipitation through an open window.
• Loss of or damage to home contents caused by, for example, earthquake, war or flood, is not covered.

Excess
• If you live in Amsterdam, Rotterdam, Utrecht or The Hague, you will need to pay an excess of €250 in the event of a claim for theft.
• You don’t need to pay an excess if your possessions are stolen from your car. However, you will not be reimbursed more than €250.

You’ll find an overview of situations where you are and are not covered in the terms and conditions.

Fees

Single person

If you choose home contents and personal liability insurance, you will pay €4.50 per month.
If you take out only personal liability insurance, you will pay €2.66 per month.
If you take out only home contents, you will pay €1.84 per month.
Home contents insurance covers you up to a maximum of €10,000. If you wish to increase this to €20,000, you will pay €1.84 extra per month.

Married/cohabiting

If you choose home contents and personal liability insurance, you will pay €6.34 per month.
If you take out only home contents insurance, you will pay €3.68 per month. If you wish to take out only personal liability insurance, you will pay €2.66 per month.

Insurance tax

Insurance tax is the tax levied on insurance policies. You will be charged 21% insurance tax on the premium and costs for Student Insurance. This amount will be included in the calculation of your premium.

Package discount

If you take out more than three insurance policies with ABN AMRO, you’ll qualify for a 5% package discount.

Commission

ABN AMRO Bank N.V. provides personal customers with non-life insurance products on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 10% of the premium for this. Read the Non-Life Insurance Information Sheet (Informatieblad Schadeverzekeringen in Dutch) to find out more about our services.

Submitting a claim

You can submit claims online, over the phone or in writing.

Our services

ABN AMRO Bank N.V. provides personal customers with non-life insurance products and advises them on behalf of ABN AMRO Schadeverzekering N.V. ABN AMRO Schadeverzekering pays ABN AMRO Bank N.V. a fee for this. Read the Non-Life Insurance Information Sheet (Informatieblad Schadeverzekeringen in Dutch) to find out more about our services.

You can read about what we do with your personal data in our privacy statement .

If you need advice about the Student Insurance or would like to take out this product, please call us on 0900 - 81 70 (explanation of the rates) .

If you are calling from outside the Netherlands, please call + 31 10 241 17 23 .

Lines are open 24 hours a day, 7 days a week.

Terms and conditions

Non-Life Insurance Information Sheet

We feel that it is important to provide you with information about our services. This document explains what you can expect from us when you take out non-life insurance with us. It also sets out what we expect from you, and explains the fee we earn, as well as where to go with questions or complaints.

Insurance Information Sheet