El Toorn

El Toorn

Advocaat | Associate


+31 10 217 25 20
+31 6 2014 5539



Follow me

El specialises in general insurance law, financial market regulation and accounting law. She advises clients on a broad array of matters related to financial regulation, with a special focus on cases involving the Dutch financial regulators (the AFM and DNB), as as well as insurer liability. El publishes on matters related to financial regulation and accounting law.


  • LL.M. Dutch Law, specialising in Financial Law (Erasmus University Rotterdam)
  • LL.B. Dutch Law (Erasmus University Rotterdam)
  • M.Sc. International Business Administration, specialising in Strategic Management (Rotterdam School of Management)
  • B.Sc. International Business Administration (Rotterdam School of Management)
  • Houthoff successfully represented Nationale Nederlanden (NN) in proceedings that were brought by the foundation Vereniging Woekerpolis.nl in relation to investment-linked insurance offered by NN. The court ruled that generally speaking NN had provided sufficient information on costs and premiums. It thus concurred with NN’s position that the provision of information to customers should be assessed against the regulations and system of standards that applied when the investment-linked insurance was offered. The court dismissed all of Vereniging Woekerpolis’s claims.