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Dutch consumers and the economy as a whole stand to benefit from a varied range of financial products and services, which is why we welcome new and innovative parties to the market. A safe, innovative, reliable and responsible financial sector can contribute towards sustainable prosperity in the Netherlands, which is what De Nederlandsche Bank (DNB) seeks to achieve.

Any party engaging in insurance activities in the Netherlands must either hold the appropriate authorisation issued by DNB or be exempted from the authorisation requirement. This applies to all categories of insurers: life, non-life and funeral expenses and benefits in kind insurers and reinsurers. They are not permitted to provide their services until DNB has issued its authorisation, unless they qualify for exemption.

More information

This section of Open Book on Supervision provides insurers with information about market access. You will also find explanatory notes to the concepts and statutory provisions that are relevant to market access and authorisation for parties engaging in insurance activities.