Independent & free comparison

Compare funeral insurance in the Netherlands

Looking for funeral insurance in the Netherlands? We line up the recognised Dutch insurers side by side on premium, cover and customer rating, so you can calmly choose what fits your family.

Premiums from just € 4.94 per month
10 years independent & free
Recognised insurers, conditions clearly explained
Family

The sharpest premiums per insurer

★ Most chosen
9.5/10
5,047 reviews
Combination
Total insured amount iThe amount available for the funeral upon death. An average Dutch funeral costs around € 9,500.
€ 9,500
Consists of
€ 2,500 full care by a Monuta funeral director
€ 7,000 freely spendable on your own wishes
Monthly premium iIndicative monthly premium at the chosen insured amount and the longest possible payment term. Your premium depends on your exact age and situation.
€ 6.28
age 25
Over 52% of our visitors choose Monuta
Full care by Monuta
Children under 18 insured free of charge
One dedicated contact person
See your premium →
You continue to Monuta
Best rated
9.6/10
7,722 reviews
Combination
Total insured amount iThe amount available for the funeral upon death. An average Dutch funeral costs around € 9,500.
€ 9,500
Consists of
€ 8,000 in funeral services from DELA
€ 1,500 freely spendable on your own wishes
Monthly premium iIndicative monthly premium at the chosen insured amount and the longest possible payment term. Your premium depends on your exact age and situation.
€ 6.22
age 25
Best rated: 9.6 from 7,722 reviews
Complete funeral arranged by DELA
Children insurable at a child premium
Bereavement support: practical and legal
See your premium →
You continue to DELA
100% free choice
8.6/10
2,323 reviews
Capital sum
Total insured amount iThe amount available for the funeral upon death. An average Dutch funeral costs around € 9,500.
€ 9,500
Consists of
No fixed services; your family arranges everything
€ 9,500 freely spendable on your own wishes
Monthly premium iIndicative monthly premium at the chosen insured amount and the longest possible payment term. Your premium depends on your exact age and situation.
€ 10.32
age 25
Amount 100% freely spendable
Choose your own funeral director
Children under 21 insured free of charge
Your family arranges the funeral
See your premium →
You continue to a.s.r.
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Premiums are indicative and do not constitute advice. The label ‘most chosen’ and the stated percentage are based on choices made by visitors to our own website over the past 90 days. More info

The indicative ‘from’ premiums are estimates, calculated for the lowest age within the chosen category at the longest possible payment term (lifelong) and the chosen insured amount. Your premium may differ based on your exact age. No rights can be derived from this overview and it never constitutes personal advice. The label ‘most chosen’ and the stated percentage are based solely on choices made by visitors to our own website over the past 90 days. Last updated: June 2026.

Why insure

Why take out funeral insurance?

An average funeral quickly costs around € 9,500. Without insurance, your loved ones have to cover this at an already difficult time.

Funeral insurance prevents unexpected costs and gives your family calm and clarity, arranged exactly the way you want.

Financial peace of mind

Avoid unexpected costs for your loved ones.

Support for loved ones

Practical worries taken off their hands.

Emotional calm

Your family can focus on the farewell.

More than saving alone

You pay a premium instead of setting aside the money yourself.

Which suits you

Three types of funeral insurance

Combination, in-kind or capital, it shapes your premium, your freedom and how the funeral is paid for.

Most chosen

Combination

Partly in services, plus a freely usable amount for your own wishes.

Help with the funeral plus flexibility
Freely usable amount for personal wishes
Premium between in-kind and capital

In kind (natura)

The insurer arranges the funeral in services: the coffin, the transport and guidance by a funeral director.

Premium is usually the lowest
Help arranging the funeral
Often limited freedom of choice

Capital

Your loved ones receive a cash sum and decide for themselves how to spend it and which funeral director to engage.

Complete freedom for the funeral
No fixed funeral director
Loved ones arrange everything themselves
What is covered

What does funeral insurance cover?

Funeral insurance makes sure the funeral is arranged and paid for, in services, as a cash sum, or a combination of both.

That way your loved ones keep time and calm for the farewell, instead of worrying about the costs.

Care and laying-out
The care and laying-out of the deceased ahead of the farewell.
Coffin, transport and ceremony
The coffin, the funeral transport and the farewell service at a venue of your choice.
Guidance
A funeral director who arranges everything and guides your loved ones.
Freely usable amount
Room for personal wishes, such as flowers, cards or catering.
The costs

What makes up a € 9,500 funeral?

An average funeral in the Netherlands costs around € 9,500. The exact costs depend on your choices, cremation or burial, type of coffin and venue.

Below is an indicative breakdown, so you know which amount fits what you want to insure.

Funeral care & guidance€ 1,600
Coffin€ 1,200
Laying-out & care€ 900
Ceremony & venue€ 1,300
Cremation or grave costs€ 3,000
Funeral transport€ 700
Cards & flowers€ 500
Condolences & catering€ 300
Average total€ 9,500

Indicative amounts for illustration; actual costs vary per funeral, region and wishes.

Frequently asked questions

Good to know

What does funeral insurance cost on average? +

The premium averages between € 7 and € 12 per month for € 9,500 of cover. Your age, the insured amount and the term determine the exact premium.

How much should I insure? +

An average funeral costs around € 9,500. Depending on your wishes, most people choose cover between € 7,000 and € 15,000.

Can I include my children? +

Many insurers cover children for free up to age 18 or 21. This differs per insurer, the comparison shows it per policy.

What is the difference between in-kind and capital cover? +

With in-kind (natura) cover the services are arranged: coffin, transport and guidance. With capital cover your loved ones receive a freely usable cash sum. A combination sits in between.

Is comparing really free? +

Yes. Our comparison is completely free and without obligation. We line up the premiums and conditions independently, so you make the choice yourself.

How quickly am I insured? +

For a basic amount you are often insured immediately. For a higher insured amount a few health questions may apply, and sometimes a waiting period.

Can I change the insured amount later? +

With most insurers you can increase or index the insured amount over time, so your cover keeps pace with funeral costs.

Read more in our knowledge base

Compare and choose what fits

See the premiums of all recognised insurers without obligation and arrange it calmly, for later.

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Sources and expertise

Information checked by an expert
Rory Lamperjee
Rory Lamperjee
Oprichter & eindredacteur · LinkedIn

The information on this page has been compiled with the greatest care by the editorial team of UitvaartverzekeringExpert.nl and reviewed for content by Rory Lamperjee, founder. We independently compare the recognised funeral insurers based on publicly available information from the insurers. The premiums and conditions shown are indicative, may change at any time, and no rights can be derived from them. This page does not constitute personal, financial or legal advice. UitvaartverzekeringExpert.nl is an independent information and comparison platform: we inform and compare, but we do not mediate in insurance and do not provide personal advice, no AFM licence is required for this. For personal advice, please consult an independent financial adviser.

This page was last updated in June 2026.

Disclaimer

Use of the information on this page is entirely the responsibility of the reader. UitvaartverzekeringExpert.nl does not guarantee the legal correctness, completeness or effectiveness of the information. Premiums and conditions are indicative; always consult the insurer’s current policy conditions. For more information, also see our disclaimer and terms and conditions.