Direct channel · advice · conditions

Allianz Direct and the route through an adviser

Allianz Direct is the online channel where you put your policy together yourself. What you give up is not the cover, but the assessment beforehand and the support when you claim.

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: Allianz Direct en de weg via een adviseur.

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

With a policy taken out directly, you complete the application form yourself and judge for yourself whether the type of cover you have chosen suits your situation. That works well in a simple, standard situation. It becomes awkward as soon as something unusual is involved: a home being refurbished, an outbuilding used for business, a claims history, an earlier cancellation, or valuable items above the standard limit within the contents cover. On those points an online form rarely asks the right follow-up question.

Finass Advies is an independent broker and places business with, among others, Allianz. We compare more than thirty insurers objectively. The choice follows from the cover you need, not from the name on the policy schedule. With a car insurance, home contents insurance or liability insurance we look at the section you will actually use and at the clauses that will end up on your policy schedule.

One difference is practical. If you take out the policy yourself, you also conduct the discussion with the claims handler about whether an event falls within the wording. Through a broker, that file runs through us: we substantiate the notification, keep track of the deadlines and explain why an insurer takes a particular position. What is insured, in both cases, remains what is in the policy conditions states.

This page deals with one situation. The full overview is on Compare construction all risks (CAR) insurance.

Points to note
Frequently asked questions
Read more
Quote

What to look out for

Four points that most often cause discussion with a personal policy taken out directly.

The application form is a legal document

Every question you answer online falls under the duty of disclosure of Article 7:928 of the Dutch Civil Code. A forgotten past claim, an earlier cancellation or an undisclosed business use of the garage may, at a claim, lead to the payout being reduced or refused under Article 7:930 of the Dutch Civil Code. If you are unsure whether something must be disclosed, mention it; at most it costs you an explanation up front.

Standard limits within the contents cover

Jewellery, audiovisual equipment, a musical instrument and collections each have their own maximum under a home contents policy. Above that limit there is no cover, however high the sum insured for the contents may be. If you are structurally above it, place those items on a valuables insurance with a separate description of each item.

Building work falls outside the home policy

If you have building or refurbishment work carried out on your home, the buildings insurance covers the existing building and not the work in progress, the materials delivered, or damage caused to the existing home during the work. There is a Construction all risks (CAR) insurance for private clientsfor that. Arrange it before the first working day, not once the scaffolding is up.

What no personal policy covers

Excluded are intent and recklessness (Article 7:952 of the Dutch Civil Code), war risks and nuclear reactions, and damage caused by wear and tear, deferred maintenance, vermin or a construction fault. Flooding from a primary flood defence and earthquake are also excluded as standard. Insurers barely differ on these points. The distinction lies in the areas around them.

What does your premium depend on?

Type of cover chosen: limited, extended or comprehensive per section
Sum insured: rebuild value, contents value or list price
Excess: a higher excess brings the premium down
Home address and construction type: postcode, type of home and materials used
Claims history: previous claims count towards acceptance and premium
Additional sections: valuables, glass or legal expenses cover cost extra

Insurers weigh these details differently. That is where your saving is.

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What is arranged

Situation	At Finass Verzekert	With the provider
Your application is set against the offering of other insurers	Yes	No
Someone goes through the acceptance questions with you before you complete them	Yes	No
Your existing policies are checked for overlap and double cover	Yes	No
Your file is substantiated and reviewed if a claim is refused	Yes	No
You put your policy together online yourself and take it out directly	Provided that	Yes
Your no-claims years transfer when you switch	Yes	Yes

What is insured is set out in the same policy conditions in both cases. The difference lies in how you get there.

Frequently asked questions

This is what people ask us most.

Is an online policy cheaper than a policy through an adviser?

Sometimes in premium, not necessarily in total cost. A lower premium may go with narrower cover, a higher excess or stricter clauses. We compare the conditions line by line and show where the price difference comes from. If the direct policy then turns out to be the better choice for your situation, we say so.

Can I have an existing policy transferred?

With most insurers that is possible by means of a continuing authority. The policy then continues unchanged and we become your point of contact with the insurer. With a purely direct brand, a transfer is not always possible. We then consider policy by policy whether it is sensible to replace it at the renewal date. Your no-claims years transfer either way.

I have a claim. What changes if I go through a broker?

The assessment stays with the insurer and rests on the policy conditions. We report the claim, gather the supporting evidence and take up the discussion if a position has not been adequately explained. Report it quickly in any event: Article 7:941 of the Dutch Civil Code requires you to report the event as soon as you are reasonably aware of it, even if you are still unsure about making a claim.

Where can I find what Finass does for you and what it costs?

Our role, our way of working, our remuneration and the complaints procedure are set out in the service guide. We are not tied to any insurer and receive no payment that depends on which insurer you choose. The insurance contract itself is concluded between you and the insurer.

Allianz Direct and the route through an adviser

In brief

What to look out for

The application form is a legal document

Standard limits within the contents cover

Building work falls outside the home policy

What no personal policy covers

What does your premium depend on?

Frequently asked questions

Read more

Within Why we work with different insurers

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Allianz Direct and the route through an adviser

In brief

What to look out for

The application form is a legal document

Standard limits within the contents cover

Building work falls outside the home policy

What no personal policy covers

What does your premium depend on?

Frequently asked questions

Read more

Within Why we work with different insurers

Similar pages

Service

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