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
Please note: borrowing money costs money. The BKR (the Dutch credit register) keeps a record of consumer credit. Almost every provider with an AFM licence is required to check it before granting credit.
That duty to check applies to credit from a certain threshold and with a term longer than one month. Providers advertising loans without a BKR check generally do not hold that licence.
Alongside current credit, a code may be added where there have been payment problems. Registrations remain visible for a number of years after repayment. That is not a punishment but information for the next lender.
What does BKR registration involve and how does it work?
The structure of the cover in three parts, with an overview per situation below.
The record
What it contains
Current and repaid credit from recent years.
Personal loans
Revolving credit
Mobile phone contracts above a threshold
Where there are arrears
Codes
A note where there have been payment problems.
Notification of arrears
Notification of recovery
Visible after repayment
Referral
What we do
We do not advise or broker on credit.
No credit advice
General insurance, yes
Referral to authorised firms
What is covered
Subject
With us
With the credit provider
Access to your own registration
No
No
A check when you apply for credit
No
Yes
Advice on the form of loan and the term
No
Yes
Personal non-life insurance
Yes
No
Business insurance
Yes
No
Removal of a justified registration
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
You request access from the BKR yourself
You have a right of access to your own data. You arrange that directly with the BKR, not through an intermediary. If anything is incorrect, the lender that made the entry corrects it. The BKR changes nothing on its own initiative.
Borrowing without BKR (the Dutch credit register) does not exist here
Licence holders in the Netherlands are required to check for credit above the threshold with a term longer than one month. Anyone advertising loans without a BKR check is generally operating without a licence or from abroad. That is not an opportunity but a warning sign.
A refusal is information
The check exists to prevent over-borrowing. If you are refused, that says something about whether the payments are affordable given your income and fixed outgoings. Carrying on looking for a provider that will say yes is usually the most expensive route.
Agencies that promise removal
A justified registration cannot simply be removed. Agencies that promise this for a fee can only submit a request that you could make yourself. Where a registration is incorrect, correction is possible, but that runs through the lender.
What does your premium depend on?
Personal non-life insurance: home, motoring, liability
Home and contents
Traffic: car, motorcycle, scooter and more
Legal expenses: disputes
Business insurance: for business owners
Property: let property
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.
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.
