Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
Agency workers, interns & volunteers for VvEs through Avéro Achmea
Legal expenses insurance for a VvE (Dutch owners' association) pays for the lawyers the association needs when an owner fails to pay, a contractor does not finish the work or a managing agent does not keep to the agreement.
- 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 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 rarely encounters physical loss, but it constantly encounters conflict. The service charge an owner has not paid for three quarters while maintenance simply carries on. The contractor who hands over the renovated roof with leaks and hides behind the guarantee clauses. The managing agent who fails to supply documents. Without a policy the association pays for each of those files out of the reserve fund.
The difference from the association's other policies lies in what is reimbursed: this is not about loss but about legal help and legal costs. A legal expenses insurer makes a lawyer available, conducts the correspondence, negotiates and litigates where necessary, with a limit for external costs.
When comparing, look at three things: the waiting period after the start date, the threshold amount below which a case is not taken on, and which modules are included. Debt collection and contracts are usual for a VvE; employment law only if the association employs staff itself.
Independent, personal, sorted quickly
We compare your legal expenses 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.
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Through Finass or direct with Avéro Achmea?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
- Employment law & staff
- Business premises (rented or owned)
- Public authorities & permits
- Recovery of traffic damage
Complete package
The most complete cover. We compare Avéro Achmea's extended version with the market.
- Free choice of lawyer in legal proceedings
- Tax law & tax disputes
- Administrative law
- Higher allowance for external costs
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Dispute with a contractor about work on your home | Yes | Yes |
| Recovering damages for personal injury after a collision | Yes | Yes |
| Employment dispute or dismissal | Provided that | Yes |
| Dispute about a purchase or a delivery | Yes | Yes |
| Tax dispute or dispute about assets | No | Provided that |
| A dispute that was already running before the start date | No | No |
Legal expenses insurance has a waiting period after the policy starts and a threshold: a case is not taken on below a certain financial interest. If the case goes to court, you have a free choice of lawyer. A dispute whose cause already existed when you took out the insurance is excluded.
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?
- Number of apartment rights. More owners means statistically more payment arrears and more resolutions being challenged.
- Modules chosen. Debt collection, contracts, employment law and tax law are priced separately and are not all needed.
- Mixed use. Shop or catering units in the block lead to heavier tenancy and nuisance disputes.
- Own staff. A caretaker or cleaner on the payroll makes the employment law module necessary.
- Waiting period and threshold amount. A longer waiting period or higher threshold keeps small cases outside the policy and holds the premium down.
- Limit for external costs. The maximum for lawyers and experts in court proceedings.
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.
Collection of overdue contributions
The module used most. If an owner does not pay the monthly contribution, the budget stays under water and the others have to make up the difference. The debt collection module arranges reminders, a summons and, if necessary, enforcement against the apartment right. It is important that the claim is undisputed: if the owner has a substantive defence, for instance about the allocation formula in the deed of division, the case moves to the ordinary contracts module.
Disputes with contractors, managing agents and suppliers
Maintenance on a block runs through large contracts: façade renovation, roof replacement, lift modernisation, painting. If that goes wrong, a discussion follows about completion, guarantees and extra work in which the VvE faces a party with its own lawyers. The management contract itself can also be the subject of a dispute. The contracts module covers these cases, provided the work was ordered after the insurance started.
Resolutions, neighbours and the authorities
An owner who disagrees with a resolution of the general meeting can go to the sub-district court to have it set aside. There are also disputes with the local authority about permits, enforcement or assessments, and with neighbouring properties about boundaries, rainwater or building nuisance. Whether cases like these are included depends on the modules chosen. Tax objections and administrative law proceedings can often be added separately.
What a legal expenses policy does not do
Excluded are disputes that were already running or foreseeable when the policy was taken out. That is exactly what the waiting period is for. Also outside the cover: conflicts between individual owners to which the VvE is not a party, criminal cases and fines, and the amount of the claim itself. The insurer pays for the legal help, not the service charge you lose or the loss the contractor caused.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
May we choose our own lawyer?
As soon as court or administrative proceedings are brought in which the other party is also represented, you have the right to free choice of lawyer. The insurer then reimburses the costs up to the limit set in the conditions. Outside proceedings the in-house legal department handles the case. So report the dispute to the insurer before you instruct a lawyer yourself.
What is the waiting period and why does it exist?
After the policy is taken out there is a period during which new disputes are not yet taken on. It prevents a VvE from taking out the insurance at the moment the conflict with the contractor or the defaulting owner is already visible. For debt collection the waiting period is usually shorter than for contract disputes. So take out the policy when things are calm, not when they are already going wrong.
Does the policy cover a conflict between two residents?
No. An argument about noise, a fence or a shared wall takes place between individual owners. For that they have their own personal legal expenses insurance. If the association as a whole is challenged, for instance because an owner contests a resolution of the general meeting or ignores the house rules, then the VvE is a party and this policy comes into play.
Do we get the money back from the defaulting owner through this policy?
No, the insurance pays for the legal effort to collect the claim, not the claim itself. If the owner turns out to have no means, the arrears remain at the association's expense. The insurer does bear the legal and bailiff's costs, and it is precisely those costs that would otherwise make collecting a small amount uneconomic.
Every situation is different. For these situations we have a separate page.
- Compare personal legal expenses insurance (rechtsbijstandverzekering)The main page
- Agency workers, interns & volunteers for self-employed professionals through Nationale-Nederlanden
- Legal expenses insurance for a VvEContractors, owners, the authorities
- Agency workers, interns & volunteers through Turien & Co
- Environmental damage insurance for a VvE (Dutch owners' association) through Avéro Achmea
- VvE buildings insurance through Avéro Achmea
Read more
Within Rechtsbijstandverzekering
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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.