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
Home contents insurance covers everything that is not permanently fixed to the property: furniture, equipment, clothing, books and the contents of your garden. With this policy the sum insured is the heart of the matter. If it is set too low, every claim is met with a proportionate reduction for underinsurance, even a small fire. Article 7:960 of the Dutch Civil Code also provides that you never receive more than your actual loss.
With an exclusive interior a standard contents value calculator no longer works. Handmade furniture, audio and visual equipment, a wine cellar, rugs and design pieces do not fit the categories of such a calculator. We therefore have the amount supported by an inventory or a valuation, and where possible agree that the insurer will not rely on underinsurance as long as that documentation is up to date.
Watch the sub-limits as well. Within a home contents policy, jewellery, watches, art and collections each have a maximum per event. If what you own is worth more than that, it belongs on a separate exclusive valuables insurance. For the building itself, the buildings insurance.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your exclusive home contents insurance. We show what Assicuro and other insurers offer within it.
Fire & lightning strike
Storm
Possessions away from home
Water damage
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 Assicuro'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 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.
Underinsurance affects small claims too
If your contents are insured for a fraction of their actual value, every claim is paid in exactly that same proportion, including water damage in a single room or a stolen television. That is not a penalty but arithmetic. The way out is a properly supported sum insured with a guarantee against underinsurance. That guarantee lapses as soon as the documentation is out of date, so update it after building work or a major purchase.
Sub-limits determine what is left of your jewellery
Within the home contents policy a maximum amount per event applies to jewellery, art, collections and sometimes audiovisual equipment. In a burglary in which the whole jewellery drawer disappears, that maximum is the ceiling, however high your total sum insured. Look these limits up in the policy conditions and add up what you actually have at home. Anything above that you insure separately and with its own valuation.
Tenant's improvements, garden and outbuildings
Fittings you have installed yourself, such as a kitchen, bathroom or fitted wall of cupboards in a rented property, count as tenant's improvements and are not automatically part of the contents. Garden furniture, planting and outdoor lighting have their own limits and, apart from storm and fire, are often covered only to a limited extent. Belongings in a shed, lock-up garage or storeroom are usually subject to a lower maximum. Go through your home room by room to see where your possessions are and which section they fall under.
What a home contents policy does not pay for
Gradually acting influences are outside the cover: damp slowly rising, mould, discolouration from sunlight and woodworm. Wear, inherent defect and design faults are not a sudden event. Damage by vermin, and damage to items during repair or treatment, is excluded. Flooding from primary flood defences is outside almost every policy, and intent and recklessness fall away under Article 7:952 of the Dutch Civil Code.
Value & stock
Machinery & installations
What does your premium depend on?
The sum insured for the contents. The basis for calculation on this policy; documented on replacement value as new, not estimated.
Type of cover chosen. From fire and storm to a comprehensive variant that also includes your own mishaps in the home.
Security of the home. Certified locks and fittings, an alarm and a link to a monitoring centre all count.
Construction type and location of the premises. A thatched roof, timber construction and the postcode drive the fire and burglary risk.
The level of the sub-limits you choose. Raised limits for jewellery, art or equipment within the policy cost extra premium.
Excess and claims history. A higher excess brings the premium down; earlier burglaries or water claims feed through.
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.
How do I establish the sum insured for exclusive home contents?
Not with a standard contents value calculator, because that works with average interiors. Have an inventory or valuation drawn up in which furniture, equipment, rugs, wine and other furnishings are documented category by category. On that basis a guarantee against underinsurance can be given. Update the documentation after building work or a major purchase, otherwise the guarantee lapses without your noticing.
Is my jewellery adequately insured on this policy?
Only up to the sub-limit set out in the policy conditions. That maximum applies per event and is independent of the level of your total sum insured. If you own more than that maximum, the sensible route is a separate valuables policy with each item valued, which also gives worldwide cover instead of cover at the property only.
Are my contents also covered away from home?
Only to a limited extent. For belongings you take with you temporarily, or that are kept in a shed, lock-up garage or external storage, lower maximums and sometimes stricter conditions apply than indoors. Cover away from home is often tied to theft after forced entry and not to loss. If you regularly take items out with you, a valuables insurance is the better route.
What does replacement value as new mean for an older interior?
Replacement value as new is the amount needed to buy an equivalent new item. Many policies switch to market value once an item reaches a certain age or is no longer used for its original purpose. For antiques, art and rare furniture, replacement value as new does not work, because no replacement new item exists; there, valuation is the way to go.
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.
