Who is the Budget AOV for?
The Budget AOV is meant for freelancers in practical and physical trades who want an affordable safety net instead of expensive disability insurance. For example:
- Construction: carpenter, bricklayer, plasterer, tiler or painter
- Technical and installation: plumber, electrician, installer or mechanic
- Cleaning and maintenance: cleaner, window cleaner or gardener
- Transport: driver or courier
- Hospitality: cook or hospitality worker
Enter your occupation in the calculator to see what the Budget AOV costs you. Are you a GP, consultant, IT professional or another knowledge worker, or do you want to insure your own occupation? Then tailored disability insurance suits you better; we compare several insurers for you.
What does a Budget AOV cost?
Cover starts from €29 a month (prices as of October 2026). Apply through the calculator on this page and you get 20% off your premium in the first year.
| Your choice | Effect on the premium |
|---|---|
| Occupation | The heavier or riskier the work, the higher the premium. |
| Insured amount per month | A higher amount means a higher premium. |
| Waiting period | A longer waiting period lowers the premium. |
| Age | The younger you start, the lower the premium usually is. |
The premium is tax-deductible if the policy pays out periodically. Read how the deduction works.
Budget AOV or tailored disability insurance?
A Budget AOV limits cover to the essentials, so the premium stays low. Tailored disability insurance often covers your own occupation and offers extras, but costs more.
| Budget AOV | Tailored AOV | |
|---|---|---|
| For whom | Practical and physical trades | GPs, consultants and other knowledge workers |
| Premium | From €29 a month | Higher, depending on occupation and cover |
| How to arrange it | Online yourself, without advice | We compare several insurers for you |
Want to know what broader cover costs for your occupation? Request a disability insurance comparison.
Apply yourself without advice (execution only)
You can only take out the Budget AOV on an execution-only basis. This means we do not give you personal advice on whether this product suits your situation. You are responsible for your own choice.
Before you apply, you complete a short knowledge and experience test. Only if you pass it can you take out the insurance. Read more in our service guide.
How do you take out a Budget AOV?
- Calculate your premiumEnter your occupation, the insured amount and the waiting period in the calculator. You see straight away what you pay per month.
- Apply online straight awayHappy with the premium? Then apply right away through the calculator, with 20% off your premium in the first year.
- Receive your policyThe insurer assesses your application, usually with a few health questions. If everything is in order, you receive your policy.
What customers say about the Budget AOV
As a freelancer I didn't want to be stuck with sky-high premiums, but I did want a safety net. This budget disability insurance was exactly what I was looking for: affordable, simple and quick to arrange!
Freelancer with a Budget AOVAffordable and quickly arranged I found traditional disability insurance far too expensive, but I didn't want to be left without income if something happens. This policy gives me the security I need without eating up all my profit.
Business owner with a Budget AOVPeace of mind as an entrepreneur As a new business owner I hadn't built up a big buffer yet. Thanks to this policy I know I'll have a basic income if I fall ill. Very happy with it!
Starting entrepreneur with a Budget AOVPerfect for starting entrepreneurs
Reviews translated from Dutch.
Frequently asked questions
What does a Budget AOV cost?
Cover starts from €29 a month (prices as of October 2026). Your premium depends on your occupation, the insured amount, the waiting period and your age. Through the calculator on this page you get 20% off your premium in the first year.
Which occupations is the Budget AOV meant for?
For freelancers in practical and physical trades, such as construction, installation, cleaning, transport and hospitality. Enter your occupation in the calculator to see your premium.
Do I get advice with the Budget AOV?
No. You take out the Budget AOV on an execution-only basis, without personal advice, after a short knowledge and experience test. If you do want advice, request a disability insurance comparison.
Can I take out the Budget AOV online straight away?
Yes. You calculate your premium with the calculator on this page and apply there right away. The insurer assesses your application, usually with a few health questions.
Is the Budget AOV premium tax-deductible?
Yes, if the policy pays out periodically in the event of disability. You deduct the premium in your income tax return as expenses for income provisions.
How is it different from regular disability insurance?
A Budget AOV limits cover to the essentials, so the premium stays low. Tailored disability insurance often covers your own occupation and offers extras, but costs more. We compare it for you at several insurers.
Related insurance
This page is general information, not personal advice. Terms and premiums differ by insurer and situation.