Our country cover policy for countries in Europe
Country Cover Policy
This information about our country cover policy is intended for companies wishing to export capital goods or services. The cover policy which Atradius Dutch State Business maintains for a particular country is in principle valid for every transaction for that country which it is requested to insure.
All amounts are stated in millions of euros. Please read further for an explanation of the country cover policy and premium category denotations.
Our Cover Policy Explained
Our country cover policy applies to all transactions we insure on behalf of the Dutch state. In the table below we indicate the cover policy per country. For each country we have a country ceiling, you can see how much has been used under that ceiling, we indicate if there is a notice of cover situation (da). Under conditions you can see if the Sustainable Lending Principles & Guidelines are applicable and if DGGF can be used.
Countries are classified in categories ranging from 0 (lowest risk) to 7 (highest risk). The country category is an important factor when calculating the premium for an insurance policy.
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1. Open without restrictions Countries in this category have no significant vulnerabilities. There are no restrictions in the country cover policy. |
2. Open with restrictions Countries in this category have vulnerabilities that give rise to restrictions. |
3. Cover by exception For countries in this category, cover is only possible on an exceptional basis. For example, an exception may be that the pre-credit risk is covered while the credit risk is externalised. Special policy Ukraine The Dutch government has committed €60 million, securing up to €120 million in export transactions. This allows Atradius DSB to be more flexible with the country policy than with countries with similar risks. Exporters are therefore encouraged to come forward with applications. Read more. |
4. Policy under review For countries in this category, the country cover policy is being reviewed. New policy will be published shortly. |
5. No policy fixed No country cover policy has been fixed for countries in this category. In general, these are countries of a relatively small size for which applications for cover are rarely or never received. The options for cover will be determined on a case-by-case basis. |
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Your account mananger can provide you with more information about the options and restrictions in the country cover policy.
| COUNTRY | COVER | COUNTRY CATEGORY | COUNTRY CEILING | USED PER END NOVEMBER 2024 | CONDITIONS |
|---|---|---|---|---|---|
| Albania | 2 | 5 | 1500 | ||
| Andorra | 5 | 0 | 500 | ||
| Armenia | 2 | 6 | 450 | DGGF | |
| Austria | 1 | 0 | |||
| Azerbaijan | 2 | 4 | 3000 | ||
| Belarus | 3 | 7 | 400 | ||
| Belgium | 1 | 0 | 698.2 | ||
| Bosnia & Herzegovina | 2 | 6 | 700 | ||
| Bulgaria | 2 | 3 | |||
| Croatia | 1 | 0 | |||
| Cyprus | 3 | ||||
| Cyprus | 2 | 0 | 168.2 | ||
| Czechia | 1 | 0 | |||
| Denmark | 1 | 0 | |||
| Estonia | 1 | 0 | 25.0 | ||
| Faroe Islands | 5 | 0 | 2000 | ||
| Finland | 1 | 0 | 12.3 | ||
| France | 1 | 0 | 12.2 | ||
| Georgia | 2 | 5 | 1500 | DGGF | |
| Germany | 1 | 0 | 3.7 | ||
| Gibraltar | 5 | 0 | |||
| Greece | 2 | 0 | 4000 | ||
| Greenland | 5 | 0 | 2000 | ||
| Guernsey | 1 | 0 | 500 | ||
| Hungary | 1 | 0 | |||
| Iceland | 1 | 0 | |||
| Ireland | 1 | 0 | 0.6 | ||
| Island Man | 1 | 0 | 500 | ||
| Italy | 1 | 0 | 100.3 | ||
| Jersey | 1 | 0 | 500 | ||
| Kosovo | 2 | 6 | 450 | IMF/WB restrictions; DGGF | |
| Latvia | 1 | 0 | 8.1 | ||
| Liechtenstein | 5 | 0 | 500 | ||
| Lithuania | 1 | 0 | 15.4 | ||
| Luxembourg | 1 | 0 | 16.5 | ||
| Macedonia | 2 | 5 | 1500 | ||
| Malta | 1 | 0 | |||
| Moldova | 3 | 7 | 200 | IMF/WB restrictions; DGGF | |
| Monaco | 5 | 0 | 500 | ||
| Montenegro | 2 | 6 | 115 | ||
| Netherlands | 1 | 0 | 2497.9 | ||
| Norway | 1 | 0 | 270.9 | ||
| Poland | 1 | 0 | 0.8 | ||
| Portugal (Azores) | 1 | 0 | |||
| Portugal (including Azores) | 1 | 0 | 0.2 | ||
| Portugal (Madeira) | 1 | ||||
| Romania | 1 | 3 | 1.3 | ||
| Russian Federation | 3 | 7 | 400 | 19.2 | |
| San Marino | 5 | 0 | 500 | ||
| Serbia | 2 | 4 | 3000 | ||
| Slovakia | 1 | 0 | |||
| Slovenia | 1 | 0 | |||
| Spain (Canary Islands) | 2 | ||||
| Spain (including Canary Islands) | 1 | 0 | 14.0 | ||
| Spain (Spanish Morocco) | 2 | 0 | |||
| Svalbard & Jan Mayen | 1 | 0 | |||
| Sweden | 1 | 0 | 23.7 | ||
| Switzerland | 1 | 0 | |||
| Türkiye | 2 | 5 | 2000 | 399.6 | |
| Ukraine | 3 | 7 | 400 | 7.0 | DGGF |
| United Kingdom | 1 | 0 | 39.5 | ||
| Vatican City State | 5 | 0 | 500 |
