Insurance in Aruba

Considering insurance in Aruba? Here you'll find clear information on AZV, car and home insurance, and what's required or recommended for you — so you can live on the island well covered.

Overview

Considering insurance in Aruba? Here you'll find clear information on AZV, car and home insurance, and what's required or recommended for you — so you can live on the island well covered.

Mandatory coverage in Aruba

AZV (Algemene Ziektekostenverzekering) is the mandatory basic health insurance in Aruba. Once you are registered as a resident, you must enroll. For vehicles, third-party liability (WA) insurance is required by law. These are the two main compulsory coverages for individuals.

Optional but recommended

Home insurance, comprehensive car coverage, and liability insurance are not legally required but are often recommended. They protect your property, vehicle, and assets. Local brokers and insurers can tailor packages to your situation.

For new residents

After registering as a resident, arrange AZV enrollment and then add car and other policies as needed. Brokers and insurers on the island can explain options and help with paperwork. Our guides summarize what to do when you first move.

Costs and providers

AZV contributions are income-dependent. Car and home premiums depend on coverage, value, and provider. Comparing options and understanding what is included helps you choose suitable coverage at a reasonable cost.

Health and car in practice

AZV covers essential medical care. For gaps or extra comfort, supplementary health insurance exists. For cars, WA is the minimum; comprehensive and other add-ons are available. Our guides go into detail on both.

Key information

Mandatory coverage

AZV (Algemene Ziektekostenverzekering) is the mandatory basic health insurance. Third-party car insurance is required if you own or drive a vehicle.

Optional but recommended

Home insurance, comprehensive car coverage, and liability insurance are optional but often recommended for residents and property owners.

For new residents

Once registered, you must enroll in AZV. Car and other policies can be arranged through local brokers or insurers.

Costs

AZV contributions depend on income. Car and home premiums depend on coverage, value, and provider. Compare options before choosing.

Coming soon

Considering your next step in Aruba?

Connect with vetted mortgage, property, and insurance professionals when you're ready.

Connect with us

Frequently asked questions

Read guides about Insurance