800,000+ customers
27 locations
92% recommend us

What is the best AOV insurance?

Taking out an AOV insurance is not yet obligatory. With an AOV insurance you get a payment from the insurer when you become disabled. As an entrepreneur you want to be well insured. But what is the best AOV insurance? You can make your own AOV insurance according to your personal situation and wishes, by choosing the insured amount, the deductible and the duration of the insurance. With this article we would like to help you finding the best AOV insurance.

Request an offer for an AOV insurance directly!

Best AOV insurance wheelchair

Compare AOV insurance

In order to find the best AOV insurance, it is important to compare different providers. There are a number of factors to consider when comparing providers. These factors also influence the amount of the premium:

  • Your profession
  • Your age
  • The amount you insure
  • The own risk
  • The duration of the benefit

Request an offer for an AOV insurance directly!

Does the best AOV insurance depend on your personal situation?

The best disability insurance for you as an entrepreneur depends on your personal situation and wishes. The chance that you will become disabled may seem small, but many entrepreneurs underestimate this risk. How risky is your profession? With some professions the chance to become disabled is bigger than with others. An office job is less risky than a job as a gardener or construction worker. When you do a lot of heavy physical work, the chance of getting an accident at work is also bigger. Nevertheless, AOV insurance is relevant for every profession. You can also fall ill or have an accident in your spare time. Think for example of a bad fall, a car accident or a virus or bacteria. You choose how well you want to be insured.

What should you pay attention to when choosing an AOV insurance?

When choosing an AOV insurance, it is of course not only about the amount of the premium. The most important thing is that you are well insured in case you become disabled. The AOV costs a considerable amount of money each month, so it is good to know exactly what you need. When choosing the best AOV insurance, there are therefore a number of things to pay attention to.

  • What part of your income do you insure?

You choose the amount you want to insure. This could be 80%, for example, or 70%. It is important that you carefully consider the amount you need to pay for your fixed costs. With some insurers it is even possible to insure 90% of your income in the first year. The amount of the insurance does affect the premium. The higher the insured income, the higher the premium.

  • Which waiting period do you choose?

The waiting period is the period during which the AOV does not yet pay out. So you are already disabled, but you do not yet receive any payment from the insurer. You can determine the waiting period yourself. The longer the waiting period, the lower the premium. You can opt for a waiting period of two weeks, but also of two months. You know best what period you can bridge financially yourself. A shorter waiting period results in a lower premium, but you will have to wait longer for your benefit.

  • How long do you let your AOV continue?

Think carefully about the age up to which you want the benefit to continue. Do you want to be insured of an income until you retire or receive AOW, or is a shorter period good for you? You choose the final age up to which you want the benefits to continue. For example, you can also choose a benefit duration of 2 or 5 years. This will save you a lot in premiums, but then you are not assured of an income until you reach your retirement age. This is a consideration you should make.

  • What extras does the insurer offer?

A disability insurance is an important insurance. Therefore, finding the best AOV insurance is not only about comparing premiums. Look carefully at the coverage and conditions of the insurer. Does the insurer also offer extras, such as help with reintegration or prevention?

Take out AOV insurance directly through Alpina

As you have read, finding the best AOV insurance has quite a bit to do. On Alpina.nl we have tried to make taking out AOV insurance as easy as possible. Moreover, you can request a no-obligation quote. This way you can easily compare the offers. Do you have any questions about AOV insurance? Please contact us!

Request an offer for an AOV insurance directly!

We can be reached via Chat, Whatsapp, phone or email

Please feel free to contact us if you would like to know more.
We are here today until 18:00

get in touch