Comparing independently
- No ties to a single insurer
- Advice tailored to your situation
- We arrange the switch
Avéro Achmea – comparing VvE insurance
With a VvE you insure a building that no one owns alone, and that makes the deed of division just as decisive as the policy schedule.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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 activities
- 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
A VvE package covers the entire block of flats: the buildings including the communal parts, glass, the association's liability and usually the liability of the board as well. The boundary between what is communal and what is private is set out not in the policy but in the deed of division; those two documents have to match.
As the possessor of the structure, the VvE bears strict liability under Article 6:174 of the Dutch Civil Code. If the edge of a balcony falls or someone is injured by a defective stairwell, the association is liable without fault having to be shown. That makes maintenance and an up-to-date long-term maintenance plan an insurance matter.
We compare this structure with the offerings of other insurers and check in particular how the rebuild value is established and how it ties in with your deed. See also business general insurance.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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What does Avéro Achmea VvE insurance cover?
The structure of the cover in three parts, with an overview per situation below.
What we do
| What we do | At Finass | Direct with Avéro Achmea |
|---|---|---|
| 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 Avéro Achmea 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?
- Rebuild value of the complex. The assessed value of the entire building forms the calculation basis.
- Construction type and roof covering. Brick, timber and the type of roof covering determine the fire risk of the whole.
- Year of construction and state of maintenance. An up-to-date long-term maintenance plan works in your favour on acceptance.
- Number of flats and commercial units. Mixed blocks with shops or catering on the ground floor are rated more heavily.
- Cover components chosen. Glass, the association's liability and directors' and officers' liability are separate modules.
- Excess per event. A higher excess reduces the premium and therefore the monthly contribution per owner.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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.
Rebuild value of the whole block, not of your flat
The sum insured on a VvE buildings policy is the rebuild value of the entire building, including foundations in so far as they are covered, stairwells and storage rooms. If that amount is set too low, every claim is settled proportionately and each owner bears a share of the shortfall. Have the rebuild value established by a valuer and keep an eye on the guarantee period against underinsurance.
Communal or private: the deed decides
Window frames, balconies, pipework and the central heating system may be allocated differently from one block to another. What is private under the deed does not fall under the VvE policy but under the owner's contents or home insurance. After a leak, the argument arises precisely at that boundary. Set the deed alongside the policy cover and record the outcome in the VvE regulations, so that residents know where they need to be insured themselves.
The board carries a risk of its own
Board members of a VvE are usually volunteers, but they do take decisions about reserves, maintenance and tendering. If it turns out afterwards that the maintenance fund was inadequate or that a decision was unlawful, they can be held personally liable. So directors' and officers' liability cover belongs in this package. Without it, such a claim falls outside the buildings and liability policies.
Deferred maintenance and subsidence are excluded
Not covered are: damage from deferred maintenance, gradual penetration of damp, construction faults and subsidence or foundation repairs. Those are exactly the items the long-term maintenance plan and the reserve fund are intended for. Damage to residents' private contents also falls outside the VvE policy. Anyone who treats these elements as insurable is in for a shock at the first major repair.
Frequently asked questions
This is what people ask us most.
Who pays for the leak: the VvE or the owner?
That follows from the deed of division. If the pipe runs through a communal part, it is a matter for the VvE policy. If the defect is behind the front door in a private part, it is for the owner and their own home or contents insurance. Set the deed and the policy side by side before the damage occurs.
Is the VvE liable if someone is injured in the stairwell?
As possessor of the structure the association bears strict liability under Article 6:174 of the Dutch Civil Code. Fault does not have to be shown. A defective condition of the building is enough. The liability cover in the VvE package meets such a claim, provided maintenance was not deliberately neglected.
We are underinsured. What happens when we claim?
In the event of underinsurance the insurer pays proportionately, including on small claims. Each owner then bears a share of the shortfall through the VvE contribution. So have the rebuild value assessed and check whether a guarantee against underinsurance applies and how long that valuation remains valid.
Am I obliged to place this with Avéro Achmea?
No. We are not tied to any one insurer and compare this with the offerings of other VvE insurers. The difference here lies mainly in the rebuild value guarantee, the treatment of glass and whether directors' and officers' liability is included. If another provider suits your block better, that is what we will advise.
Every situation is different. For these situations we have a separate page.
Read more
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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.