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
We request the holiday home insurance (recreatiewoningverzekering) from a.s.r. and set it alongside what the rest of the market offers. The question that weighs heaviest is how the property is used: solely by you and your family, partly let through a holiday park or letting agency, or let privately to changing guests. Those three situations lead to different acceptance conditions and sometimes to an entirely different product.
When you let the property, two things get mixed up. The buildings is your property and remains so, but the home contents is used by people you do not know. Insurers set additional requirements for that: locks, an inventory list, sometimes a deposit arrangement. If the property is let without this being declared, the insurer can invoke Article 7:930 of the Dutch Civil Code and reduce or refuse the payout.
Letting also changes your liability position. As the owner of the building you are liable under Article 6:174 of the Dutch Civil Code for damage caused by a defect in the building, including towards guests. Regular letting is moreover soon regarded as commercial, which means your personal liability insurance (AVP) is no longer sufficient. See also our page on the buildings insurance (opstalverzekering) for a let home.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your holiday home insurance. We set out what ASR and other insurers offer within it.
Fire & lightning strike
Storm & precipitation
Explosion & induction & implosion
Smoke & soot damage
Extended cover
As well as the basic cover, also protection against damage to your holiday home from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Water damage & leaks
Glass breakage
Comprehensive cover
The most complete cover. We compare ASR's extended version with the market.
Hail damage
Damage through your own fault
Rebuilding at rebuild value
Unknown party at fault
What is covered
Situation
Standard
With extension
Fire, smoke and lightning strike
Yes
Yes
Storm from force 7 upwards
Yes
Yes
Water damage from a burst pipe
Yes
Yes
Glass breakage
Provided it is declared
Yes
Groundwater coming through the floor
No
No
Wear and deferred maintenance
No
No
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Own use, letting, or both
When you apply, state how many weeks a year you use the property yourself and how many you let it out, and through which channel. Letting through a park organisation with key handling and cleaning is assessed differently from letting through a booking platform where guests let themselves in. If that balance changes during the year, declare it; the duty of disclosure under Article 7:928 of the Dutch Civil Code applies not only when you take out the policy but throughout its term.
Tenants and the contents cover
Damage caused by guests is a different matter from theft by guests. Damage that occurs during a stay is often covered by the contents section, but theft without signs of forced entry is normally excluded because the guest was lawfully inside. The same applies to items that simply go missing. Work with an inventory list, photographs at handover and a deposit arrangement, and keep valuables in a locked owner's cupboard.
You remain liable for the building
A loose decking board, a wobbly handrail or a roof tile that comes away is a defect in the building. If a guest is injured as a result, you as owner are liable under Article 6:174 of the Dutch Civil Code, whether or not you knew of the defect. If you let the property regularly, that often falls outside your personal liability insurance and business liability cover is needed. Keep records of maintenance and inspections.
What falls outside the cover
Deferred maintenance, wet rot, mould and gradual damp or weather effects are excluded. These are maintenance items, not sudden events. Ground subsidence and foundation damage are usually not included either. Lost rental income after a claim is covered only if loss of rent is separately insured. Ask about those three points explicitly before you sign, because together they account for most of the disappointment afterwards.
Burglary & vacancy
Letting
What does your premium depend on?
Type of use. Own use only, partial letting or continuous letting lead to different rates.
Letting channel and number of weeks let. Letting through a park organisation with key handling is assessed differently from independent letting through a platform.
Rebuild value of the building. The rebuild value assessed is the basis for calculating the buildings part of the premium.
Value and nature of the contents. A fully furnished rental property with appliances counts for more than a sparsely furnished one.
Loss of rent included. Cover for lost rental income during repairs is a separate module with its own effect on the premium.
Excess and type of cover. The choice between extended cover and comprehensive cover has more impact when you let the property than when you use it yourself.
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.
Do I have to declare letting if it is only a few weeks a year?
Yes. Letting is a circumstance the insurer wants to know about, however limited it is. If you do not declare it, the insurer can rely on Article 7:930 of the Dutch Civil Code when you claim and reduce or refuse the payout, even if the damage had nothing to do with the letting. So state the number of weeks and the letting channel, and update that statement as soon as it changes.
A guest has taken things with them. Is that covered?
Usually not. Theft without signs of forced entry is excluded in virtually all contents conditions, because the guest was lawfully inside. Damage during the stay is a different matter and is more often covered. Work with an inventory list, photographs on arrival and departure and a deposit, and keep valuables in a locked cupboard that does not form part of the letting.
Is lost rental income after a fire insured?
Only if loss of rent is separately insured. The buildings cover pays for repair or rebuilding, not for the bookings you have to cancel in the meantime. For a property let for a substantial part of the year, that is often the largest item after a long-running claim. We include that module in the comparison as standard so that you can see the difference.
Does my personal liability insurance still apply if I let the property?
With occasional letting it often does. With regular letting it usually does not. As soon as the activity becomes commercial in nature, personal policy conditions exclude that liability. Your position as owner of the building meanwhile remains unchanged under Article 6:174 of the Dutch Civil Code. So if you let regularly, have it checked whether business liability cover is needed.
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.
