Mapping your risk
- Vehicle, use and mileage
- Business or private use
- Preferred excess
- Setting existing policies alongside
Mobility · independent advice · policy conditions
Bovemij and your insurance
Bovemij is one of the insurers we can apply to, with a clear emphasis on mobility and traffic. Below you can read how we make that choice.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Bovemij en uw Insurance.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
FINASS is not an insurer but an independent insurance adviser. We act as intermediaries in applying for policies and can include Bovemij alongside what more than thirty other companies offer. In the Netherlands Bovemij is best known in the field of mobility and traffic; with us the company therefore comes into the picture most often for car insurance and related vehicle cover.
Our order of work is deliberately the reverse of what a brand name suggests. First we establish what needs to be insured, which risk you can carry yourself and which exclusions are unacceptable to you. Only then comes the question of which insurer fits. A the choice of insurer follows from the cover you need, not the other way round. If another company turns out to suit you better, that is what we will advise.
In the comparison we weigh mainly the conditions: which events are excluded, which limits apply per event and per year, what excess is set, and whether you are free to choose your own repairer. Differences on those points usually matter more in a large claim than the difference in premium.
How the choice of insurer works
Three steps determine whether Bovemij or another company appears on your quotation.
Comparing on conditions
Several companies side by side, not on premium alone.
- Exclusions named explicitly
- Basis of valuation when you claim
- Free choice of repairer
- Underwriting policy per company
Applying and administering
We arrange the application, the switch and support in the event of a claim.
- Cancellation of the current policy
- Checking the policy schedule
- Report changes in good time
- Help with notifying a claim
What is covered
| Situation | Direct | Through FINASS |
|---|---|---|
| Several insurers side by side in one quotation | No | Yes |
| Advice on the appropriate form of cover | No | Yes |
| Exclusions and limits gone through in advance | No | Yes |
| Support with claims and repair | Provided that | Yes |
| Acceptance of an unusual or heavy risk | Provided that | Provided that |
| Amendment of the policy conditions themselves | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What stays the same with every insurer
Two points that have nothing to do with which company ends up on your policy.
Exclusions are largely the same across the market
Whatever name appears on the policy schedule, the same categories fall outside the cover almost everywhere: intent and gross negligence under Article 7:952 of the Dutch Civil Code, damage caused by wear, deferred maintenance, construction or material faults, and damage during speed and skill contests. With Engine vehicles, driving without a valid licence or under the influence is added to that. Differences between companies usually lie at the edges: limits, excess and how broadly a clause is worded.
What you declare determines whether the policy holds
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code. You declare what matters for acceptance: use of the vehicle, who drives it, modifications, claims history and any earlier refusal. If that picture is not correct, the payout may be reduced or lapse under Article 7:930 of the Dutch Civil Code. In the event of a claim, the duty to notify under Article 7:941 of the Dutch Civil Codeapplies: report it as soon as reasonably possible.
What does your premium depend on?
- Type of vehicle and value — list price or market value
- Use — private, business or professional
- Annual mileage — more kilometres, more risk
- No-claims years — registered in Roy-data
- Type of cover — third-party liability, third-party, fire and theft, or comprehensive
- Excess and additions — legal expenses, occupants, breakdown assistance
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Does FINASS work only with this insurer?
No. We are an independent insurance adviser with access to what several insurers offer. Bovemij is one of them. Which company we advise depends on your cover requirements, your claims history and the acceptance policy of the insurer concerned. Our working method and how we are remunerated are set out in our services guide.
Can you administer a current policy with this company for me?
In many cases, yes. An existing policy can be transferred to our administration without the cover changing or having to be applied for again. We then go through the policy with you, check whether the sums insured and the form of cover still match your situation, and point out any duplicate cover. Keep your policy schedule to hand when you Contact us.
Why are there no premiums on this page?
Because a premium only means something once there is a specific risk. For vehicle insurance the insurer works with the type of vehicle, its use, the mileage, your no-claims years, the form of cover and the excess. Quoting a figure without that information would mislead you. A calculation based on your own details takes little time and does give a usable answer.
What happens if the insurer does not Accept me?
Then we look further. Every company applies its own acceptance policy; a refusal by one insurer does not mean you cannot be placed anywhere. It is important, though, that you declare an earlier refusal or cancellation on your next application, because that falls under the duty of disclosure. Concealing it is precisely what leads to a policy later turning out to give no cover.
Wondering which insurer suits you?
Request a quote without obligation; we will place several companies side by side.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.