Ansvar · compared independently · advice from Finass
Bewust hobby and sports equipment insurance through Ansvar Idea
Sports equipment is most often damaged during the sport itself, and that is precisely the moment that falls outside the cover of a home contents policy.
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
The Bewust hobby and sports equipment insurance is an all-risks item policy: you insure named equipment, wherever you use it. Think of a racing bicycle or e-bike, a ski and snowboard set, diving equipment, a golf bag, angling gear or an instrument you play as an amateur. A home contents insurance insures your belongings in and around the home and usually applies a limited sub-limit to sports gear away from the home. The two policies therefore complement each other.
The risk this policy sets apart lies in use. A ski edge that breaks on a rock, a carbon frame that cracks after a fall, a bow that splits while being drawn: that is damage during the activity and not during storage. Only a comprehensive variant pays for such accidents of your own making. A more limited variant stays with fire, theft and impact.
So we first establish what you actually do and with what equipment. A set of golf clubs can, if you wish, be insured through the Bewust golf insurance; an instrument you also play for payment belongs rather with a instrument insurance. What you declare determines the cover: Article 7:928 DCC requires you to answer the insurer's questions in full.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your Bewust hobby and sports equipment insurance. We show what Ansvar Idea and other insurers offer within it.
Fire & lightning strike
Burglary & theft at home
Explosion & smoke
Water damage at home
Extended cover
As well as the basic cover, also protection against loss, damage and theft away from home, including from external causes.
Theft outside the home
Loss
Damage from dropping or knocking
Valuation & appraisal
Comprehensive worldwide
The most complete cover. We compare Ansvar Idea's extended version with the market.
New-for-old settlement
All risks: any sudden damage
Worldwide cover
Disappearance without a cause
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 Ansvar
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 Ansvar 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.
Damage during the sport itself
The difference between the variants lies in the cause. If you fall off your racing bicycle and the frame cracks, there is no fire, no burglary and no third party involved. That is an accident of your own making. Only the comprehensive variant pays for such sudden, unforeseen damage. If you choose the limited cover, you remain insured for fire, theft and impact, but bear damage from use yourself.
Competitions are a separate risk
Taking part in official competitions and leagues, and the training specifically for them, is named separately on almost every policy and is excluded unless declared. The same applies to speed events and to taking part with a competition licence. If you ride or sail as part of a club, say so on the application; if it only becomes clear after a loss, the insurer can rely on Article 7:930 DCC and reduce the payment.
Theft calls for a locked space
Theft from a home or store is covered where there are signs of forced entry. If your bicycle disappears from an unlocked shed or a communal bike store, or the lock used turns out not to be an approved one, the cover usually lapses. Away from home, the further requirement applies that you do not leave the equipment unattended and that you report the theft to the police; notify the insurer as soon as possible, as required by Article 7:941 DCC requires.
Wear and tear and consumable parts
Parts that are used up remain at your expense: chains, cassettes and brake pads, ski edges and bindings, a wetsuit that loses its stretch, strings, and a battery that loses capacity. Scratches and paint damage that do not affect performance are also rarely paid for. The policy covers a sudden event, not a gradual process and not an inherent defect that was already in the material.
Theft & loss
New for old
What does your premium depend on?
Equipment insured. Each item appears on the policy with a description and a value. That list is the basis of calculation.
Type of cover chosen. Limited cover or comprehensive makes the biggest difference, because damage from use only falls under comprehensive.
Territory in which you use it. The Netherlands only, Europe or worldwide; winter sports and diving trips are weighed separately.
Taking part in races. Taking part in a club or with a competition licence counts more heavily than purely recreational use.
Storage and security arrangements. A locked garage is assessed differently from a shared bike store or a store cupboard in a communal entrance.
Excess and claims history. A higher excess brings the premium down; earlier thefts work the other way.
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.
Does my e-bike fall under this policy or under home contents insurance?
At home the bicycle is usually home contents, but as soon as you are out with it a sub-limit often applies away from the home that does not cover the value of an e-bike. On the hobby and sports equipment policy the bicycle is named separately with its frame number and value, and the cover applies wherever you ride. We set both policies side by side before you choose.
Is damage during a competition insured?
Not automatically. Official competitions, leagues and the training specifically for them appear on most policies as a separate risk and are excluded unless declared. If you take part in your sport as part of a club, state that on the application. The insurer can then take the risk into account, or it turns out that another company will accept it.
What if I leave my equipment in the car?
The cover is then limited. Almost all conditions require items to be in a locked boot, not visible from outside, and that the vehicle is not left unattended for long. Theft from a car left in the street overnight, or from a roof rack or bicycle carrier, is in general not paid or only paid in part.
Do I have to keep purchase invoices?
Yes. When a loss occurs you show what you owned and what it was worth. Without an invoice, serial number or photograph only an estimate remains. For more valuable equipment a valuation works better, because an agreed value valuation by an expert under Article 7:960 DCC fixes the value in advance and prevents dispute afterwards.
Read more
Within Art on home contents or valuables insurance
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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