About your start page
This page is a starting point. It tells you where to begin if you are looking for insurance, want to change something or have had a claim, and what you will not find here.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- 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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Most visitors are not looking for a product but for a solution to a situation: a scooter is coming into the household, building work is starting, someone is setting up on their own, or there has just been a claim. It is therefore worth starting with what is changing in your case, and only then with the name of a policy. A house move affects your home contents, buildings and liability cover at the same time; a second vehicle affects both your premium and your no-claims years. The full structure of this site is set out in the sitemap.
What this page is not: a quote, a confirmation of cover or an application. Insurance comes into being after the insurer has accepted your application and a policy schedule has been issued. What you fill in or read online changes nothing about that. If you do want to start an application, use the application form. If something is already in place and your situation changes, tell us via notifying a change.
With an existing policy, three routes are worth remembering. For the question of what exactly is insured, go to your policy conditions and the clauses sheet. For an event, go to report a claim. And for the question of who we are, what we do and how we are paid, about us and the service guide are ready for you.
This page deals with one situation. The full overview is on Compare continuous travel insurance.
Personal advice, not a call centre
Finass Verzekert is a licensed, independent firm. You get one advisor who knows your situation — including the moment a claim actually happens and it matters most.
Advice
Personal
ClaimsWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four things that make the difference between being helped quickly and having a discussion afterwards.
Start with your situation, not with the product name
The same event can fall under different policies. Water damage in a flat affects the buildings policy of the VvE, the resident's contents and sometimes the neighbour's liability. Describing the situation first and choosing afterwards prevents cover being taken out that does not address the real risk.
Reporting changes is not a formality
Moving house, building work, letting, starting a business or using a vehicle differently are changes in risk. You are obliged to give correct information when entering into the insurance (Article 7:928 of the Dutch Civil Code); if it is not correct, Article 7:930 of the Dutch Civil Code attaches consequences to that for what is paid out on a claim. Telling us takes an email; putting it right afterwards is not possible.
What you will not get here
No binding premium, no retroactive cover and no judgement on a claim that has already occurred without seeing the documents. Nor can we advise on health, life and pension products outside our licence. What we do and do not act as intermediary for is set out in our services guide.
Keep three documents together
The policy schedule with the sums insured and the form of cover, the clause sheet with the requirements that apply personally to you, and the set of conditions with the number shown on the policy schedule. For every question about cover, those are the three documents that provide the answer, in that order.
What does your premium depend on?
- Your situation and use: personal, business, let or mixed
- Extent of the cover: which sections you include
- Sum insured: set at rebuild value, market value or valuation
- Excess: per event, sometimes per section
- Prevention and clauses: locks, an alarm and maintenance can reduce the premium
- Claims history: earlier claims are taken into account for acceptance and rating
Insurers weigh these details differently. That is where your saving is.
Where to turn
| Situation | At Finass Verzekert | With the provider |
|---|---|---|
| Your policy runs through us and you want the cover adjusted after a house move | Yes | No |
| You report a claim on a policy we have placed for you | Yes | No |
| You are looking for the set of conditions belonging to the number on your policy schedule | Yes | Yes |
| You want to switch your health insurance with effect from 1 January | No | Yes |
| You want advice on your pension or a life insurance policy | No | Yes |
| You want a binding premium before the insurer has assessed your application | No | No |
If your question is in the right-hand column, we will point you in the right direction but do not act as your adviser.
Frequently asked questions
This is what people ask us most.
Can I take out insurance directly here?
Not on this page. You start an application via the application form or via the product page that fits your situation, for example continuous travel insurance. We then set the offerings of the affiliated insurers side by side and send you a proposal. Cover only comes into being once the insurer accepts and you agree.
Where can I find what my policy says?
Your policy schedule states which set of conditions applies, identifiable by a number with a year. You can find that set via the policy conditions page. If you do not know the number, or if we placed the policy for you, we will find the right version. Do not rely on a set you find online at the same insurer: versions differ from year to year.
I have a claim. What is the first step?
Limit further damage and report it as soon as possible via the claim notification page. Article 7:941 of the Dutch Civil Code requires you to report the event as soon as you are reasonably aware of it and to cooperate with the investigation. Do not admit liability to another party. That judgement is for the insurer. Photographs, purchase receipts and any police reference number help the file.
What does the advice cost?
For general insurance we are usually paid out of the premium through commission from the insurer. You then pay no separate charge. In which cases that is different, and which services are charged on a fee basis, is set out in our services guide. It also explains how to submit a complaint and which route is then open to you.
Every situation is different. For these situations we have a separate page.
- About Finass VerzekertThe main page
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
- Thank you for your applicationConfirmation, acceptance, when cover starts
- Sitemap: how this website is organisedStructure, audiences, findability
- Documents with your business insurancePolicy schedule, clauses, order of precedence
- General terms and conditions Finass Advies B.V.Definitions · liability · complaints route
- Our servicesAdvice, broking, administration and claims