Your cover requirements
- Value of the object or the risk
- What you can bear yourself in the event of a loss
- Which exclusions are unacceptable
- Taking existing policies into Account
Independent advice · comparison · policy conditions
Ansvar and your insurance
Ansvar is one of the insurers we can apply to. This page explains how we arrive at that choice and why your cover requirements always come first.
- 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: Ansvar en uw Insurance.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
FINASS is not an insurer but an independent insurance adviser. We act as intermediaries in applying for policies, and we can include what Ansvar offers alongside that of more than thirty other companies. In practice, Ansvar mainly comes into the picture with us for car insurance.
We work the other way round from what a brand name might suggest. First we establish what you want to insure, which risk you can carry yourself and which exclusions you cannot afford. Only then comes the question of which insurer suits that best. A the choice of insurer follows from the cover you need, not the other way round. That also means we will happily advise a different company if it fits your situation better.
When comparing, we look beyond the premium. What matters are the exclusions, the basis of valuation applied, the excess, whether you are free to choose your own repairer or contractor, and how the company handles claims. Two policies with comparable premiums can be far apart on those points.
How we choose an insurer
Three steps determine whether Ansvar or another company appears on your quotation.
The comparison
Policy conditions and premiums from several companies side by side.
- several insurers considered
- Conditions weigh more heavily than premium
- Excess and limits set out explicitly
- Underwriting policy per company
Application and administration
We handle the application, the switch and support in the event of a claim.
- Cancellation of the old policy
- Checking the policy schedule
- Reporting changes in the meantime
- Support when notifying a claim
What is covered
| Situation | Direct | Through FINASS |
|---|---|---|
| Offers from several insurers side by side | No | Yes |
| Advice on which form of cover suits you | No | Yes |
| A Check of exclusions and limits | No | Yes |
| Support when you report a claim | Provided that | Yes |
| Acceptance of an unusual or heavier risk | Provided that | Provided that |
| Influence on the policy conditions themselves | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What you need to watch out for yourself
Two points that apply with every insurer, including Ansvar.
The name on the policy says little about the cover
Every company applies its own conditions and its own exclusions. Almost everywhere, the same categories remain outside the cover: intent and recklessness under Article 7:952 of the Dutch Civil Code, damage caused by wear, deferred maintenance and design faults, and damage during speed contests. Policies also carry limits per event and per year. So do not compare on brand name but on what the conditions actually say, and always ask for the insurance card (verzekeringskaart) before you sign.
What you declare determines whether the policy holds
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code: you pass on everything that could matter for acceptance, including a claims history or an earlier refusal. If the declaration is incorrect, the payout may be reduced or refused under Article 7:930 of the Dutch Civil Code. If a loss occurs, report it as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code prescribes. We help you complete the application in full.
What does your premium depend on?
- The nature of the insured risk — car, home or liability
- Sum insured — value or maximum payout
- Type of cover chosen — basic or extended
- Excess — higher excess, lower premium
- Claims history — over the past few years
- The company's acceptance policy — differs per insurer
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.
Is FINASS part of Ansvar?
No. FINASS is an independent insurance adviser and acts as an intermediary in arranging insurance. We have access to what several insurers offer and are not tied to any one company. That means we will also advise you to take out cover with a different insurer where that suits your situation better. Our working method and our remuneration are set out in our services guide.
Can you administer my existing policy with this insurer?
Often, yes. In many cases a current policy can be transferred to our administration without the cover changing or having to be applied for again. We then go through the policy, Check whether the sums insured and the form of cover are still correct, and discuss whether any change would be worthwhile. Contact us with the policy schedule to hand.
Do I choose the insurer myself, or do you?
You choose, we advise. We put several quotations before you with an explanation of the differences in conditions, exclusions and excess, so you can see where the price difference comes from. What usually decides the matter is not the premium but which events are excluded and which limits apply. The final choice always remains yours.
What does it cost to insure through an adviser?
For general insurance we usually work on the basis of a fee included in the premium; you then pay no separate invoice for the intermediary work. Different arrangements apply to certain forms of advice. How we are remunerated and which services this covers are set out in our services guide. Please do ask before you take anything out.
Wondering what is possible in your case?
Request a quote without obligation; we will place several insurers side by side.
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.