Assicuro · compared independently · advice from Finass
Exclusive buildings insurance through Assicuro
The exclusive buildings version from Assicuro works with a valuation agreed in advance and is intended for homes that a standard rebuild value calculator cannot capture.
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 word exclusive here refers not to service but to the method of valuation. With ordinary buildings insurance (opstalverzekering) you complete a rebuild value calculator and the insurer works from that. With this form, an expert visits the property, describes it and records the rebuild value in a valuation report. That report becomes part of the policy. As long as it is valid, the value is fixed and discussion about underinsurance after a claim no longer arises.
That method is intended for properties where an average per cubic metre says nothing: a listed building, a home with a thatched roof, natural stone, stained glass, craft plasterwork, or a villa with an unusual layout. We also use this version for properties with many outbuildings, a coach house or an orangery. For comparison, see our page on buildings insurance for a villa.
The legal basis is Article 7:960 of the Dutch Civil Code: insurance may not be a source of profit, but the parties may fix the value in advance in a binding way. A valuation by a recognised expert binds the insurer, provided the report meets the requirements the policy sets for it and the period of validity has not expired. It is precisely on those two conditions that things go wrong.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Assicuro and other insurers offer within it.
Fire & lightning strike
Storm & precipitation
Explosion & induction
Smoke & soot damage
Extended cover
As well as fire and storm, also burglary, theft and water damage to your home.
Burglary, theft & vandalism
Rebuilding at rebuild value
Glass breakage
Comprehensive cover
The most complete cover. We compare the extended versions from Assicuro with the market.
Clearance costs & costs of mitigating the loss
All external causes
Solar panels & installations & paving
Solar panels & installations
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 Assicuro
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 Assicuro 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.
What an advance valuation gives you, and when it lapses
A valid valuation report takes the discussion about the rebuild value out of claims handling: the insurer works with the recorded amount. That effect is time-limited, however. Policies attach a period of validity to the valuation; once it expires, you fall back on the ordinary way of determining value and underinsurance can still arise. Put the end date in your diary and have the report renewed in good time, certainly after an extension or a major refurbishment.
Rebuilding in the original style costs more than new build
For a listed building or a property with craft work, restoration means it must be done in the old style again: hand-formed bricks, made-to-measure mouldings, pointing in the right mix. Add to that a permit procedure and sometimes compulsory supervision by the local authority. Check whether the policy promises rebuilding in the original style, or only pays what an ordinary builder would charge for the same volume.
Thatched roof, wood burner and outbuildings: prevention as a strict requirement
For properties with a thatched roof or an open fire, insurers often include warranty clauses: approved lightning protection, a minimum distance between the chimney and the thatch, periodic inspection of the flue, or spark arresters. These are not recommendations. If such a condition is not met and fire results, there is no cover. We set out those clauses in advance, so you know what you have to demonstrate each year.
A valued property also has clear exclusions
Outside cover: damage from an inherent defect or a construction fault in the property itself, gradual influences such as wet rot, dry rot and rising damp, and damage caused by vermin or woodworm in joists. Intent and recklessness are also excluded under Article 7:952 of the Dutch Civil Code. A valuation does not widen the cover. It only fixes the value used to settle a covered claim.
Business interruption insurance
Machinery & installations
What does your premium depend on?
The valued rebuild value. The amount in the report is the basis of calculation, not an estimate based on volume.
Listed status and level of finish. Craft restoration, stained glass and natural stone make rebuilding more labour-intensive.
Roof covering. Thatch or timber is assessed fundamentally differently from tiles or slate.
Heating and burning appliances. An open fire, a wood burner and the maintenance of the flue all count towards the fire risk.
Outbuildings, walls and garden features. A coach house, shed, garden wall and gate are either named separately or expressly excluded.
Security and supervision. Alarms with response, fencing and whether the property is permanently occupied.
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.
A valuation by a recognised expert binds both parties to the recorded value. That follows from Article 7:960 of the Dutch Civil Code: the value is fixed, so that after a claim a lower rebuild value cannot be used after all. The insurer can escape it only if the report does not meet the policy requirements, if the period of validity has expired, or if incorrect information was provided when it was drawn up.
How long does the valuation report remain valid?
The policy names a period during which the agreed value is binding. Once that period expires, the insurance continues but the value is assessed afresh at the time of a claim, with the risk of underinsurance. Have the report renewed well before the end date, and always after an extension, a roof replacement or a refurbishment that changes the volume or the finish.
Do outbuildings, garden walls and a swimming pool count?
Only if they are described in the valuation report and on the policy. A coach house, a brick garden wall, a gate or a built-in swimming pool are regularly forgotten, after which the owner discovers following a storm that they are not insured. Walk round the whole plot during the valuation and have the expert name each structure separately in the report.
Do I need to report a renovation?
Yes. A refurbishment changes both the value and the risk: building materials are on site, scaffolding gives access to the upper floors and there is work involving naked flames. Report the work in advance, so the insurer can confirm cover during the building period and the valuation can be adjusted. Without notification, damage during or after the refurbishment may fall outside cover.
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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