What we do not do
- No financing advice
- No brokerage
- A referral instead
Business finance: we refer you on
Finance and insurance are two disciplines with their own licences. We do the second. What we explain here is what the lender will expect of your policy.
- 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
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 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
Finass Verzekert advises on and arranges non-life insurance. Business finance (a loan, an overdraft facility, leasing or factoring) falls under a different licence category.
Lenders usually ask for security: a pledge over stock, receivables or contents, a mortgage right over property, and with a BV sometimes a personal guarantee from the director.
What virtually every lender does require of you is that the pledged assets are adequately insured, with the lender named on the policy as an interested party. That is our field.
Please note: borrowing money costs money. Finass Advies B.V. holds a licence for non-life insurance and does not act as an intermediary for credit or mortgages. This page is informative. For an application we refer you to a provider with a licence for consumer credit or mortgage credit. Every licensed provider consults the BKR (the Dutch credit register) for credit of € 250 or more with a term of longer than one month.
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.
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What does business finance involve, and why do we refer you elsewhere?
The structure of the cover in three parts, with an overview per situation below.
What the lender requires
The insurance requirements that appear in almost every quotation.
- Contents and stock insured
- The lender as an interested party
- Sometimes business interruption
What we do handle
The cover that goes with finance.
- Business contents and goods
- Business interruption
- Liability
What is covered
| Subject | With us | With the finance provider |
|---|---|---|
| Advice on the form of finance and the term | No | Yes |
| Assessment of your figures and security | No | Yes |
| The application to the lender | No | Yes |
| Business contents and goods insurance | Yes | No |
| Business interruption and liability | Yes | No |
| Statutory credit information | No | Yes |
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?
- Sums insured: contents, goods, machinery
- Sector and risk class
- Business interruption and the indemnity period
- Security and fire prevention
- Sections chosen
- Excess
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.
The lender wants to be named on the policy
If stock, contents or machinery are pledged, the lender almost always requires it to be named on the policy as an interested party. That way a payout after a loss does not pass it by. Arrange that note at the same time as the quotation, not afterwards.
Business interruption cover is often a condition
A lender wants to know that repayments continue if your business comes to a standstill. Business interruption insurance meets the loss of gross profit during the standstill. Some lenders make that cover an express condition.
A guarantee reaches your private assets
With a BV the lender sometimes asks for a personal guarantee from the director. That breaks through the separation between business and private: if things go wrong, recovery is sought against your own assets. Take separate advice on that. It is a decision with a long tail.
Insuring the security takes time
When financing machinery, property or a vehicle fleet, the cover has to be in place before the funds are advanced. Start that in good time; acceptance of unusual risks can take several weeks.
Frequently asked questions
This is what people ask us most.
Does Finass arrange my finance?
No. We advise and act as an intermediary only in general insurance, and we refer you on to a specialist firm.
What does my lender expect of the insurance?
That the pledged assets are adequately insured, with the lender named on the policy as an interested party. Sometimes business interruption cover as well.
What is a personal guarantee?
A personal undertaking by the director. It breaks through the separation between business and private assets; take separate advice on it.
Why does the lender ask for business interruption cover?
Because it wants to know that repayments continue if your business comes to a standstill. Business interruption cover meets the loss of gross profit.
How long does insuring the security take?
For unusual risks, several weeks. Start in good time. The cover has to be in place before the funds are advanced.
Am I obliged to use your provider?
No. You choose yourself. We receive a fee if you submit an application form through our link. That changes nothing about your insurance with us.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Property finance: we refer you onNo advice, let property, referral
- Business finance: we refer you onNote: borrowing money costs money, APR, security
- Remortgaging: we refer you onEarly repayment penalty, payback period, referral
- Mortgages: we refer you onNo advice, NHG limit 2026, referral
- Business credit: we refer you onPlease note: borrowing money costs money, Security, Total cost of credit
- Borrowing money: we refer you onPlease note: borrowing money costs money, APR, BKR check
- A loan as a self-employed professional (zzp'er): we refer you onPlease note: borrowing money costs money, Private and business, BKR check
- A free business loan: what is true about itPlease note: borrowing money costs money, Hidden costs, No offer
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.