Allianz · compared independently · advice from Finass
Home contents insurance through Allianz
Home contents insurance pays for your household goods after fire, storm, water and burglary, with the contents value you declare and the sub-limits for valuables determining what actually comes out.
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.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
With home contents insurance things almost never go wrong in the cover, but in the amount. If you declare too low a contents value you are underinsured, and every claim is settled proportionately lower: small claims included. A contents value calculator or a valuation prevents that. The guarantee against underinsurance that follows from it applies only as long as the details you gave are correct.
The second point of friction is the sub-limits: jewellery, audiovisual equipment, musical instruments and belongings away from home each have their own maximum. Anyone with a substantial jewellery collection or expensive equipment will not get by within those limits and needs separate valuables cover.
For homes and collections in a higher value bracket we compare this policy with the Chubb's Masterpiece cover, which works with valued items instead of sub-limits.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your home contents insurance. We show what Allianz and other insurers offer within it.
Fire & lightning strike
Storm
Possessions away from home
Water damage
Extended cover
As well as fire and storm, also water damage, belongings outside the home and, with comprehensive cover, your own accidents.
Burglary, theft & vandalism
Jewellery & valuables (limited)
Machinery & equipment
Comprehensive cover
The most complete cover. We compare Allianz's extended version with the market.
Garden & garden furniture
Jewellery & valuables (limited)
Glass breakage
Higher cover for valuables
What is covered
Situation
Extended
Comprehensive
Fire, smoke and water damage in the home
Yes
Yes
Theft after forced entry
Yes
Yes
Knocks and falls at home
No
Yes
Loss or theft away from home
Provided that
Provided that
Damage during transport, repair or exhibition
Provided that
Provided that
Wear, shrinkage, damp and insect damage
No
No
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
What we do
What we do
At Finass
Direct with Allianz
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Allianz is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Contents value and underinsurance
The contents value is the replacement value as new of everything you would have to buy again if the house were empty. People consistently underestimate it. If the actual value turns out to be higher, a proportionate reduction follows. Fill in the value calculator honestly and update it after building work or a major purchase. Article 7:960 of the Dutch Civil Code also sets the upper limit: you never receive more than your actual loss, even with a generous sum insured.
Sub-limits and belongings away from home
Separate maximums apply to jewellery, watches, collections, audiovisual equipment and tools. There is also a separate amount for tenant's improvements: kitchens, floors and sun blinds you have installed yourself. Away from home the cover is narrow: belongings in a car, in a storage unit or in your child's student room are limited or not covered. Go through the list with us before you sign, not after a burglary.
Water: where the limit lies
Water from a burst pipe, a leaking washing machine hose or a broken boiler is covered. Outside the cover generally are damp penetrating through walls, rising ground and surface water, damage caused by neglected maintenance of the roof or guttering, and design faults. Sewage backing up is sometimes included and sometimes not. This is the subject that generates the most argument; it is precisely this provision that we compare.
Burglary, prevention and notification
Insurers require traces of forced entry. If entry is gained through an open window or with your own key, the claim is difficult. Where a property is empty or unoccupied for a long period, extra requirements often apply, such as shutting off the water supply in winter. Always report it to the police and report the loss as soon as possible: Article 7:941 of the Dutch Civil Code requires you to do so and to limit any further damage.
Value & stock
Machinery & installations
What does your premium depend on?
Insured contents value. The outcome of the value calculator or valuation is the basis for the calculation.
Type of home and construction type. A thatched roof, timber frame construction or a flat in a block each give a different fire risk.
Postcode area. The local burglary and water risk is weighted differently from area to area.
Type of cover chosen. Extended cover against named perils, or comprehensive cover including your own mishaps.
Valuables and sub-limits. Raising the maximums for jewellery and equipment costs extra premium.
Security and excess. Certified locks and fittings and a higher excess bring the premium down.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your 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.
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.
With a contents value calculator, which takes household composition, income and type of home into account, or with a valuation if you have extensive contents. Fill the calculator in again after building work, a move or a major purchase. If the details are correct, the guarantee against underinsurance applies; if they are not, that guarantee falls away at precisely the moment you need it.
Is all my jewellery included?
Up to the sub-limit on your policy schedule. Above that you need separate valuables cover, with each item valued individually. The same applies to art, collections and expensive watches. If the collection is extensive, we compare it with the Chubb's Masterpiece cover, which works with valued items.
Is my student child's room included?
Often only to a limited extent, and sometimes not at all. The home contents policy insures the household goods at the address described; away from that address a low limit applies, usually only for theft after forced entry. For a fully furnished student room a separate home contents policy is more effective. Do tell us that your child is living away from home, because that also affects your liability cover.
My neighbour had a leak. Who pays for my damage?
Your own home contents insurer pays for the damage to your belongings if water damage is covered, and then recovers the cost from the neighbour itself if the neighbour is liable under Article 6:162 or 6:174 of the Dutch Civil Code. So you do not have to wait for the argument between the parties. Report the damage immediately and take photographs before you clear up.
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.
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