Application · acceptance · start date
Application form
An application records your details and your situation. Only then does the insurer decide whether to accept the risk. A form you have submitted is not yet cover.
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Deze pagina in het Nederlands: Aanvraagformulier.
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.
- 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
An application goes through three stages: you supply the information, we compare and advise, and the insurer accepts the risk or sets conditions. We are an independent firm and compare the offering of more than thirty insurers objectively. What we need varies by product. For a personal liability insurance it is mainly the composition of your household; for a buildings insurance the construction type, the year of construction and the use of the property; for a car insurance the registration number, the annual mileage and your claims history.
The most important part of any form is the underwriting questions. There you state what the insurer needs in order to assess the risk: previous claims, an earlier refusal or cancellation, and any criminal record within the period asked about. This is the duty of disclosure under Article 7:928 of the Dutch Civil Code: you declare what you know or ought to know. If it turns out afterwards that an answer was incorrect, the insurer may reduce or refuse the payout under Article 7:930 of the Dutch Civil Code, and cancel the policy under Article 7:929 DCC. If you are unsure whether something matters, disclose it and let the insurer decide.
There is no cover until the start date on the policy schedule, or from the date of written provisional cover. Damage that already exists, or an event you already knew about when you applied, is not covered by the new policy. So submit your application before the handover of keys, the first journey or the start of the work, not afterwards.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
What to look out for
Four points that determine whether your application runs smoothly and stands up later.
A complete and accurate statement
State what is actually the case, even if it seems unfavourable. An undisclosed claims history or an unreported sideline produces a policy that fails at the first claim. The insurer is entitled to assess the risk. That is its job. Our job is to tell you in advance what consequences a disclosure has for the premium and the conditions.
Preferred start date
State when cover should begin and whether an existing policy needs to be cancelled. Being insured twice costs money and, at a claim, leads to argument about which policy takes precedence. If a contract is still running, check the notice period; after the first year most policies can be cancellable daily with one month's notice.
Clauses and security requirements
On acceptance the insurer may set requirements: an alarm grade, a rule on where the vehicle is kept, an inspection of the electrical installation or a higher excess. These appear on the clause sheet and are conditions of cover, not suggestions. Read them when you receive the policy and tell us if you cannot meet them.
Check the policy when you receive it
Are the names, the address, the item insured, the sum insured and the type of cover correct? Errors can be put right afterwards, but an incorrect sum insured feeds through into the payout: Article 7:960 of the Dutch Civil Code provides that a payout must not put you in a clearly better position, and if the sum insured is too low, the claim is settled proportionately. Many personal insurance policies also carry a statutory cooling-off period after you receive the policy.
What does your premium depend on?
- Type of insurance: determines which details are requested
- Sum insured or value: the basis of every premium calculation
- Claims and insurance history: earlier claims, refusal or cancellation
- Excess chosen: higher excess, lower premium
- Prevention and security: leads to clauses and sometimes to a discount
- Payment term: paying annually is usually cheaper than paying monthly
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Declared on the application | Not declared |
|---|---|---|
| Two collisions in the three years before the application | Yes | No |
| A dog that has bitten someone before | Yes | No |
| An earlier cancellation by another insurer | Provided that | No |
| A home office where you receive clients | Provided that | No |
| Refurbishment work already under way on the day of the application | Provided that | No |
| A leak you had already discovered before the start date | No | No |
On the left you know where you stand in advance. On the right it only becomes clear when you report the claim.
Frequently asked questions
This is what people ask us most.
Am I insured as soon as I have submitted the form?
No. An application is a request; cover starts only when the insurer accepts the risk or expressly grants provisional cover. If you need cover sooner, say so and we will ask for it. Always have any undertaking confirmed in writing, because in a dispute a verbal agreement is hard to prove.
What information do I need to supply?
That depends on the product. For a home it is the year of construction, the construction type, the floor area and the use; for a vehicle the registration number, the value and the use. For a business the activities, turnover and payroll. Also, always your personal details, your bank account number and the answers to the acceptance questions. We provide a list in advance so that you do not have to supply anything twice.
What happens to my data?
We use it for advice, broking and the administration of your insurance, and we share it with the insurer to whom the application is submitted. How we handle it is set out in our privacy policy; exactly what we do for you and how we are paid is set out in the service guide.
I already have damage and want to take out insurance now. Is that possible?
You can take out insurance, but the existing damage will not be covered. Insurance covers uncertain future events; something that has already happened, or that you already knew about, is not one. Do disclose the current situation when you apply, because non-disclosure engages the duty of disclosure and may also affect cover for later claims.