Dutch Insurance Exchange Association

Model conditions and clauses

On this page you’ll find the most recent VNAB model conditions and clauses (not all of them are already available in the English) categorised according to insurance class. The VNAB policy conditions and clauses are not binding. They merely serve as specimen which may be adjusted by alterations, additional provisions and/or clauses. VNAB market players are free to offer other policy conditions to their customers.

As market players are free to use them at their own discretion, the VNAB cannot assume any liability for the application or contents of the model conditions and clauses.

In case of any difference between the original Dutch wording of the model conditions and clauses and the English translation, the Dutch wording will prevail.

If you’re looking for previously published (older) conditions, please contact the VNAB. For legal security reasons the model conditions and clauses are made available in pdf format. On request the VNAB will provide the model conditions and clauses in Word format.

The VNAB is available for questions about the model conditions and clauses per insurance class:

brand@vnab.nl (property)