We arrange insurance. We do not lend money and we do not act as an intermediary for lending. What we do here is explain what to look out for, so that you compare not on the monthly payment but on the price of the credit.
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.
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. A loan costs interest and charges, brought together in the annual percentage rate. That percentage makes offers comparable with each other. The monthly payment does not.
Finass Verzekert advises on and arranges non-life insurance. Consumer credit falls under a separate licence category. We refer you to a comparison of providers with an AFM licence. That party carries out the assessment and the advice independently.
Every licensed provider is obliged to consult the BKR for credit from € 250 with a term longer than a month. Parties claiming that it can be done without that check normally do not hold that licence.
The structure of the cover in three parts, with an overview per situation below.
No licence
What we do not do
We leave advice on and arrangement of credit to licensed parties.
No credit advice
No brokerage
A referral instead
Before you sign
What to look out for
The three things that make the difference.
Compare on APR
Look at the total price
Pay attention to the term
Non-life insurance
What we do provide
What you can come to us for.
Home and traffic
Liability
Business insurance
What is covered
Subject
With us
With the credit provider
Advice on the form of loan and the term
No
Yes
An income and BKR (the Dutch credit register) check
No
Yes
Statutory credit information
No
Yes
Personal non-life insurance
Yes
No
Business insurance
Yes
No
Advice on insurance alongside a loan
Yes
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.
Compare on the APR, not on the monthly payment
A lower monthly payment almost always means a longer term, and therefore more interest in total. The annual percentage rate of charge converts interest and costs into one figure per year and thereby makes offers comparable. Look also at the total price of the credit: the amount you have paid at the end over and above what you borrowed.
Borrowing without BKR (the Dutch credit register) does not exist here
Providers with a Dutch licence are obliged to consult the BKR for credit from € 250 with a term longer than a month. Anyone advertising borrowing without a BKR check normally operates without a licence or from abroad. That is not an opportunity but a warning sign.
A rejection is information, not an obstacle
The income assessment exists to prevent over-borrowing. If you are refused, that says something about how affordable the payments are given your income and fixed expenditure. It is tempting then to look further for a party that will say yes. That is usually the most expensive route.
Transparent about our role
We receive a fee if you submit an application form through our link to the party we refer you to. We collect no data ourselves, do not compare and recommend no specific product. You are free to choose another party.
What does your premium depend on?
Personal non-life insurance: home, motoring, liability
Home and contents: buildings and home contents
Traffic: car, motorcycle, scooter and more
Legal expenses: disputes
Business insurance: for business owners
Property: let and investment 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.
No. We advise and act as an intermediary in non-life insurance only. For credit we refer you to a comparison of providers with an AFM licence.
What is the APR?
The annual percentage rate of charge: all the costs of the credit expressed as a percentage per year. With it you can compare offers fairly. The monthly payment can mislead, because a longer term lowers it.
Can I borrow without a BKR check?
In the Netherlands, practically speaking, no. Licence holders have to consult the BKR for credit from € 250 with a term longer than a month. Parties claiming otherwise usually do not hold that licence.
Why am I being refused?
Because the assessment shows that the payments are not affordable given your income and fixed expenditure. That assessment protects you too; looking further for a party that will say yes is usually the most expensive route.
Do you receive a fee?
Yes, when you submit an application form through our link. We collect no data ourselves and recommend no product. You are free to choose another party.
Do I have to take out insurance with a loan?
That is not a requirement from us. Credit providers sometimes offer payment protection; ask them for information about that and compare the cost with what you may already have.
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.
