What we do not do
- No credit advice
- No brokerage
- A referral instead
Borrowing money: we refer you on
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.
- 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
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- 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
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.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
FinancialPhoto coming soon
OverviewPhoto coming soon
AdvicePhoto coming soon
What does borrowing money cover: we refer you on?
The structure of the cover in three parts, with an overview per situation below.
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
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.
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.
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.
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.
Frequently asked questions
This is what people ask us most.
Does Finass Verzekert provide or arrange loans?
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.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
- BKR (the Dutch credit register) registration: how it worksDuty to check, retention period, referral
- Borrowing money without a BKR (the Dutch credit register) check: a warningPlease note: borrowing money costs money, The BKR check is compulsory, Not an offer
- Personal loan: we refer you onPlease note: borrowing money costs money, Fixed interest, BKR check
- Borrowing money quickly without a BKR (the Dutch credit register) checkPlease note! Borrowing money costs money, BKR check, warning
- Consumer credit: we refer you onPlease note: borrowing money costs money, APR, BKR check
Read more
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.