WIA Metal Insurance Cheaper and Better via Klap Insurance

As of 2025, the WIA Metal insurance no longer has to go through NV Schade. The new WIA Metal cover from Klap Verzekeringen offers significant advantages: it is much cheaper than the insurance with NV Schade.

Compulsory WIA insurance for collective labor agreement Metal and Technology or Metal and Electrical Engineering

Companies affiliated with FHI are required to fall under the collective labor agreement for Metal and Technology or Metal and Electrical Engineering. This means that their pension scheme is required to be insured with the associated pension fund. In addition to the pension scheme, the WIA insurance is also required for these companies, but with some adjustments in the coverage that are not offered in a standard WIA insurance.

Within the CAO Metal and Technology a special company has been appointed to provide the WIA insurance: NV Schade. All metal and technical companies must join this insurer.

Cheaper WIA insurance via Klap Insurance

The premium for WIA insurance is determined each year and applies to all companies that follow the collective labor agreement. For 2025, the premium has been set at 0.521% of the payroll. Companies are required to take out WIA insurance, but they are free to choose which insurance company they place it with.

Klap Verzekeringsmakelaar BV, partner of FHI, has developed a specially approved WIA coverage for companies in the metal industry. This coverage has been approved by GoMetec, the implementation organization for social regulations in the metal sector and technology. Klap offers the WIA insurance for a premium of only 0.30% to 0.40% of the payroll, depending on the SBI code. This means a saving of 23% to even 58% compared to the premium offered via NV Schade, while the coverage remains exactly the same.

Terms and Conditions for Switching to Klap Insurance

If you want to use the WIA insurance from Klap Verzekeringen as a company, there is one condition: Klap must cancel the current policy with NV Schade. In addition, each employee must agree to the change by signing the employee list. This is important, because the employees pay 50% of the premium themselves. Placing their signature therefore also gives them a financial advantage.

Contact Klap Insurance Broker BV

For more information, please contact Mr. Ruud Rooker of Klap Insurance Broker BV on 06-12999202 or by email at RRooker@klap.com.

For more information about the collaboration with Klap see: FHI insurance – FHI, federation of technology industries

Conclusion: Save on your WIA premium with Klap Insurance

By switching to Klap Insurance, companies in the metal sector can save considerably on their WIA premium. With the approved coverage and lower premium, Klap Insurance offers an attractive alternative to NV Schade.