Basic cover
- Fire & lightning strike
- Storm & precipitation
- Explosion & induction & implosion
- Smoke & soot damage
Holiday home insurance through ASR
As soon as your holiday home is let out, it is not the building but the way it is used that decides whether an insurer accepts or declines you.
- 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
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.
Independent, personal, sorted quickly
We compare your holiday home 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.
Holiday home insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
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 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.
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.
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.
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
Frequently asked questions
This is what people ask us most.
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.
Every situation is different. For these situations we have a separate page.
Read more
Within Holiday home insurance
Similar pages
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.