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
This policy works with a specification. Jewellery, watches, art, musical instruments, cameras and collections are listed separately, each with its own sum insured supported by a valuation report or a purchase invoice. Anything not on that list is not insured. That sounds strict, but it prevents the discussion you do get with a home contents policy, where a sub-limit cuts off the payment.
The second difference is place. Where home contents cover stops at the front door, a valuables policy in principle continues worldwide: while travelling, at the office, in a hotel safe. On top of that comes a form of cover a home contents policy does not have, namely loss: a ring that slips off your finger or a watch you leave somewhere without any theft being involved.
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 valuables insurance. We show what Assicuro and other insurers offer within it.
Fire & lightning strike
Burglary & theft at home
Explosion & smoke
Water damage at home
Extended cover
As well as the basic cover, also protection against loss, damage and theft away from home, including from external causes.
Theft outside the home
Loss
Damage from dropping or knocking
Valuation & appraisal
Comprehensive worldwide
The most complete cover. We compare Assicuro's extended version with the market.
New-for-old settlement
All risks: any sudden damage
Worldwide cover
Disappearance without a cause
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.
A valuation per item, with a shelf life
Every item above a threshold named in the conditions requires a valuation report from a recognised valuer. That report binds the insurer under Article 7:960 of the Dutch Civil Code, but only for a limited period. If the valuation expires, you fall back on the value established after the event, which with gold, gemstones and art can lead to a very different amount. Have items revalued in good time and keep reports and photographs away from the home.
Safe and wearing clauses determine when you are covered
Many policies only cover jewellery at home when it is being worn or is in a certified safe. If a necklace is in the bedside table during a burglary, the insurer can refuse payment or limit it to a lower amount. For pieces you rarely wear, bank custody is often a condition. Read which safe grade is required, because the mention of a make or certification is binding.
Loss and unexplained disappearance are not the same
Loss means you can state where and when the item left your possession. Unexplained disappearance means it is suddenly no longer there, with no identifiable moment. Many policies cover the first but not the second, or only up to a lower limit. Report a loss within the period set out in Article 7:941 of the Dutch Civil Code and always report theft to the police. Without a police report, handling barely gets under way.
Where the cover stops
Damage arising during cleaning, repair, restoration or the resetting of a stone is excluded. The person doing the work is liable for it. Wear of a setting, a broken clasp and scratches from normal use are not a sudden event. Any residual loss in value after repair is rarely paid. Items you exhibit or lend out commercially fall outside the personal cover, and Article 7:952 of the Dutch Civil Code excludes intent.
Theft & loss
New for old
What does your premium depend on?
Total valued amount of the specification. The sum of the named items forms the basis of calculation.
Type of items. Wearable jewellery and watches carry a different risk from art that stays on the wall.
Area of cover. In the home only, within Europe or worldwide. Each level is weighed differently.
Safe grade and storage conditions. A certified safe or bank custody lowers the risk and sometimes the premium.
Cover for loss and unexplained disappearance. Including loss without forced entry is the most expensive extension on this policy.
Excess per item. An excess per item or per event brings the premium down noticeably.
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.
Why not simply include them on the home contents policy?
You can, but only up to the sub-limit that applies there, and only for damage in the home. A valuables policy works with a specification per item, gives worldwide cover in principle and can include loss. As soon as your jewellery or art exceeds the sub-limit, or as soon as you regularly take it with you, including it on the home contents policy falls short.
Do I need a valuation report for every item?
Not for everything. Below a threshold named in the conditions a purchase invoice with a description and photographs is usually enough. Above it the insurer asks for a report from a recognised valuer. Such a report has a limited period of validity; once it expires, its binding effect falls away. Keep reports, invoices and photographs digitally and away from the home, so that they do not disappear along with everything else in a fire or burglary.
Am I covered while travelling and abroad?
As a rule yes, provided the territory chosen is worldwide. Watch the storage conditions while you are away: many policies require valuables to be kept in a hotel safe or worn on your person, and exclude cover for items in checked baggage or in a parked car. Annual travel insurance usually has a far lower limit for these items.
What if a piece of jewellery is damaged at the jeweller's?
Damage arising during cleaning, repair or the setting of a stone is excluded on this policy. The jeweller has the item in his care and is himself liable for it. That damage belongs on his liability or goods insurance. Ask for a receipt with a description of value when you hand the item over, so that there is no dispute afterwards about what you gave in.
Read more
Within Art on home contents or valuables insurance
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.
