Basic cover
- Fire & lightning strike
- Storm
- Possessions away from home
- Water damage
Home contents insurance through ASR
The difference between extended cover and comprehensive cover is not a longer list of perils, but the question of whether an event must first be named before anything is paid.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Extended home contents cover works with a list of perils: fire, lightning strike, storm, burglary, water from a pipe. If the cause of your loss is not on that list there is no cover, however unpleasant the incident. Comprehensive cover turns that around and insures any a sudden and unforeseen event, except what is expressly excluded. That also shifts the burden of proof: you do not have to show which named peril your loss falls under.
Comprehensive cover is no guarantee of payment. Wear, inherent defect, the gradual effect of damp, scratches and stains from normal use, vermin and mould all remain outside the cover, even in the widest variant. Damage you cause deliberately or through wilful recklessness is not insured under Article 7:952 of the Dutch Civil Code. What a comprehensive policy adds is your own mishaps in the home: the glass knocked over onto the sofa, the laptop that falls off the table.
We set the forms of cover side by side and look at what they are worth to you. In a plainly furnished home the extra cost of comprehensive cover often does not outweigh the extra reach, whereas with a new kitchen or a newly laid wooden floor it is the other way round. For the question of whether the sum insured is right, also look at the cover for water and storm.
Independent, personal, sorted quickly
We compare your contents insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with a.s.r.?
The structure of the cover in three parts, with an overview per situation below.
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 ASR'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 a.s.r. |
|---|---|---|
| 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 a.s.r. 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.
What does your premium depend on?
- Type of cover chosen. Extended or comprehensive is the biggest lever; comprehensive also insures your own mishaps in the home.
- Level of the excess. A higher excess per event brings the premium down, but costs you money on every small claim.
- Sum insured for the contents. The amount follows from a value calculator or from your own declaration and sets the basis.
- Composition of the household. More occupants and young children lead to more small claims, especially on comprehensive cover.
- Pets in the home. Scratch and bite damage to your own belongings is a separate consideration on the wider forms of cover.
- Construction and type of home. Brick with hard roofing weighs differently from timber or thatch, and a flat differently from a detached house.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Named peril versus unforeseen event
With extended cover you have to make it plausible that your loss falls under one of the named perils. If you cannot, nothing is paid. With comprehensive cover it is the other way round: the insurer has to point to the exclusion that applies. You notice that difference above all with losses where the cause is unclear, such as a cracked aquarium or a split worktop.
Inherent defect and the consequential damage around it
A washing machine leaking because of a worn inlet hose produces two losses. The machine itself is damaged by an inherent defect and that is excluded, on comprehensive cover too. The water soaking into the floor is consequential damage and does fall under water damage on most forms of cover. When you report a claim it is therefore important to state those two items separately rather than as one amount.
What you take out of the door with you
Contents away from home are almost always covered only to a limited extent, with a lower sub-limit than indoors. Theft from a car or from a cellar store is usually paid only if there are traces of forced entry; a bag snatched out of your hands without forced entry falls outside that. Bicycles, hired items and other people's property in your care each have their own provisions again.
Report in good time and limit the damage
Article 7:941 of the Dutch Civil Code requires you to report the loss as soon as is reasonably possible and to cooperate in assessing it. With a burglary that includes reporting it to the police. There is also a duty to mitigate the loss: if you let a leak run on because it is insured anyway, the extra cost may stay with you. Keep receipts and photographs, because the extent of the loss has to be demonstrable.
Value & stock
Machinery & installations
Frequently asked questions
This is what people ask us most.
Does comprehensive mean everything is insured?
No. Comprehensive cover insures sudden and unforeseen events, but the exclusions remain. Wear, inherent defect, the gradual effect of damp, vermin and neglected maintenance are not included. Intent and wilful recklessness are also excluded under Article 7:952 of the Dutch Civil Code. The gain lies in your own mishaps at home, such as spilt paint or a television that falls over.
My loss has no clear cause. What now?
That is exactly where the form of cover weighs heavily. On an extended policy the cause has to be traceable to a named peril. If nobody can establish what happened, the loss usually stays with you. On a comprehensive policy the insurer has to point to the exclusion that applies, and with an unclear cause it often cannot.
Can I switch from extended to comprehensive mid-term?
Usually you can, but the change works forwards and not backwards. Damage that has already arisen, or that you know is coming, is not included. When you switch like this we look straight away at whether the sum insured still matches what is in the house, because wider cover on too low an amount still produces a reduction at claim stage.
Are housemates' belongings included?
Contents belonging to people who permanently live with you generally fall under the same policy. Belongings of a subtenant, a lodger or a house guest are not automatically included and need their own arrangement. If your child is living away from home in student accommodation, that is a separate situation which we explain on the page about home contents insurance for students.
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.