Finass Advies B.V.
- Marijkelaan 11, 1862 EW Bergen
- Chamber of Commerce number 37131781
- 072 - 509 24 56 on working days
- Separate emergency line for claims while travelling
AFM licence · thirty insurers · Bergen NH
About Finass Verzekert
Finass Verzekert is an independent advice firm for general insurance; below you can read what we are licensed for, how we are paid and where to go if you disagree with us.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Over Finass Verzekert.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Finass Verzekert is the trade name under which Finass Advies B.V. advises and acts as intermediary in general insurance. The office is at Marijkelaan 11 in Bergen (North Holland) and works nationwide, for private individuals, self-employed professionals (zzp'ers), small and medium-sized businesses, owners' associations and property owners. We are registered with the Chamber of Commerce under number 37131781.
We are not an insurer and not an underwriting agent. We map out your risk, compare premiums and conditions at several insurers and arrange the switch, including cancellation. Acceptance, premium setting and the decision on a claim remain with the insurer. Our licence covers general insurance only; for mortgages, pensions, investments and finance we refer you to a party that does hold a licence for those.
You pay no separate charge for our advice. We receive commission from the insurer with which you take out the policy, included in the premium, and we have no volume obligation with any insurer whatsoever. If you would like to know how an application works in practice, read the page on insuring online.
The office, the licence and how we work
Three things determine what you may expect from us: who we are, what we are licensed for and how we advise.
Licence and the right to complain
We are subject to the Dutch Financial Supervision Act.
- AFM licence 12016589
- Kifid membership number 300.012144
- General insurance only
- Complaints procedure at the foot of every page
Advice or execution only
You choose whether we advise you or whether you decide on the cover yourself.
- Your wishes and needs established first
- An objective analysis of what is on offer
- Commission included in the premium
- Execution only is possible, but without advice
What is covered
| Situation | With advice | Execution only |
|---|---|---|
| We establish your wishes and needs | Yes | No |
| We check whether the cover suits your situation | Yes | No |
| We arrange the cancellation with your current insurer | Yes | Provided that |
| We guide you through a claim notification | Yes | Provided that |
| We decide on acceptance or payment | No | No |
| We advise on mortgages, pensions or investments | No | No |
What we do for you, which services are not included and how we are paid is set out in the service guide (dienstenwijzer).
Where our role ends
Two points that determine what you can and cannot expect from us.
What our licence covers, and what it does not
Finass Advies B.V. is registered with the AFM (the Dutch financial markets authority) under number 12016589 for advising and acting as intermediary in general insurance. Beyond that we may not advise: mortgages, pension accrual, disability cover with a life element, investments and consumer credit fall under other licence categories. If you do receive information from us on such a subject, it is general explanation and not advice. The AFM register is public; you can look up our registration there yourself under our statutory name.
How we are paid and why that matters to you
We are paid out of commission included in the premium; you receive no separate invoice from us. That covers taking stock of your situation, the comparison, the administration of your policy and support with a claim. Because we are tied to no insurer and have no production agreements, the outcome of the comparison determines where you take out the policy. If you would rather pay a fixed fee instead of commission, we record that in advance. What does and does not fall within our services is set out in our services guide.
Advice or execution only: two different routes
With advice we first establish your wishes and needs and check whether the cover suits them; that follows from the duty of care under Article 4:23 of the Dutch Financial Supervision Act (Wft). If you opt for execution only, you take out the policy without that check and bear the assessment of whether the product suits you. That is a deliberate choice with consequences: if it turns out afterwards that a section was missing or a sum insured was too low, with execution only that is your risk and not ours.
If you disagree with us
Report a complaint to our office first, by telephone or in writing; most matters are then resolved quickly. If we cannot resolve it together, you can put the complaint within the applicable period to the complaints institute Kifid, where we are registered under number 300.012144, or to the civil court. If the dispute is not about our advice but about the insurer's decision on cover or payment, you should address that insurer; the route to Kifid (the financial services complaints institute) is open there too.
Advice and execution only are two different routes
If you opt for execution only, you take out the policy without advice. We then do not establish your wishes and needs and do not assess whether the cover suits you; you bear that responsibility yourself. With advice we do so, on the basis of the duty of care under Article 4:23 of the Dutch Financial Supervision Act (Wft). In both cases the information on this website is general in nature and is not personal advice.
What does your premium depend on?
- Number of insurers compared — We advise on the basis of an objective analysis of the offerings of several insurers, with no volume obligation.
- Advice or execution only — The route does not change the premium, but it does change what we check for you and what you are responsible for yourself.
- Personal or business — For businesses, owners' associations and property, the application runs through different agencies and acceptance frameworks than for private individuals.
- Number of policies administered — Several policies with one insurer can lead to a package discount and make administration clearer.
- Complexity of the risk — An unusual construction type, an unusual object or a specialist activity calls for an insurer with the right acceptance framework.
- Form of remuneration — Commission included in the premium is standard; a fixed fee instead is agreed in advance.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Are you tied to one insurer?
No. We have no volume obligation and no shareholding in or by an insurer. That does not mean every provider is in the comparison: some parties sell only direct and are therefore not available to an adviser, and not every insurer accepts every risk. Which providers we have included is stated in the proposal you receive from us.
What does your advice cost?
You pay no separate advice charge. We receive commission from the insurer with which you take out the policy, and that remuneration is included in the premium. It covers taking stock of your situation, the comparison, the maintenance of your policy and support with a claim notification. If you prefer a fixed fee without commission, we record that agreement in writing in advance.
Can I come to you for a mortgage or a pension?
No. Our AFM licence covers general insurance only. For mortgages, pension accrual, investments and credit we do not hold that authorisation and may therefore not advise you. In that case we refer you to a specialist party. What we write about it on this site is general explanation, intended to help you ask the right questions.
What do I do if I have a complaint about the handling of a claim?
First consider who took the decision. If it concerns our work, for example a missed notification or unclear advice, report it to our office. If it concerns the refusal itself, that is the insurer's decision and you start the complaints procedure there. We help with the substantiation. If you still disagree, the route to Kifid is open.
Read more
Everything on this topic
- Reviews
- Reliability: how you can hold us to account
- Waarom finass insures de beste keuze is voor jouw verzekering
- Finass verzekert begonnen met online verzekeringen
- Dienstenwijzer
- Klachtenprocedure
- Useful insurance resources
- Websites
- Execution only
- Wat is de grootste verzekeraar van nederland
- Security policy
- Controlled remuneration policy Finass Advies B.V.
- Over uw startpagina
- Logging in to your insurance file
Similar pages
Would you rather get to know us first?
Call us or request a quote; you will speak to an adviser who then continues to follow your file.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
