What we do not do
- No mortgage advice
- No application or intermediary services
- No interest or borrowing capacity
A buy-to-let mortgage and your buildings insurance (opstalverzekering)
You insure a home you let differently from a home you live in yourself. We arrange that policy. For the buy-to-let mortgage itself we refer you to an authorised adviser.
- 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 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 (AFM 12016589) advises and acts as an intermediary in non-life insurance. Mortgage credit falls under a different licence category: we do not advise on it, do not act as an intermediary and make no offers for it. For that you go to a firm in the public AFM register.
Please note: borrowing money costs money. Compare quotes on the annual percentage rate (APR) and not on the monthly payment. A lower monthly payment often just means a longer term. Licence holders consult the BKR (the Dutch credit register) for credit from 250 euros with a term longer than a month. Anyone who claims it can be done without that check usually does not hold the licence.
What we do do: almost every lender requires buildings insurance on a rebuild value basis, and that policy has to know that the home is let. See buildings insurance for a home that is let.
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
Who does what: us or the mortgage lender?
The division of roles in three cards, with below each task the person who carries it out.
What to look out for
What to check before you sign or start letting.
- A licence in the AFM register
- APR rather than the monthly payment
- Consent to let
What we do provide
The insurance around the home you let.
- Buildings insurance with the letting reported
- Glass and loss of rent
- Liability as the owner
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Advice on the type of mortgage, fixed-rate period and term | No | Yes |
| Assessment of income, rental stream and BKR | No | Yes |
| Assessing consent to let | No | Yes |
| Buildings insurance (opstalverzekering) on rebuild value | Yes | No |
| Having the letting recorded on the policy | Yes | No |
| Liability as owner of the home | Yes | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before you take out the policy.
What to look out for when comparing
- AFM licence: check the adviser in the public register
- APR above the monthly payment: only that percentage makes quotes comparable
- Total cost of credit: the amount over the full term, not per month
- Penalty-free repayment: how much you may repay without a charge
- Consent to let: without that consent you breach the mortgage conditions
- Reporting the form of letting: a family, rooms or holiday letting makes a difference on the policy
This overview is general in nature and is not personal advice.
How it works
- You look for a mortgage adviserCheck that first in the AFM's public register.
- You ask for consent to letIn writing, from the lender that finances your property.
- We arrange the buildings policyOn a rebuild value basis, with the form of letting correctly stated.
- You report changesYou tell us about a different form of letting, building work or a vacancy.
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.
What landlords run into
Four points that determine whether your cover holds up once you start letting.
Letting without adjusting the policy
Home insurance for owner occupation is not the same as a policy for letting. If you do not report the letting, you breach 7:928 DCC and the insurer may, under 7:930 DCC reduce or refuse. A phone call before the first tenant is enough.
The tenant's contents are not your cover
Your buildings policy covers the building, not the tenant's possessions. They insure those themselves. What you can insure is the fit-out you installed, such as a kitchen, floor or sun blinds in a home let with furnishings.
With a flat, the VvE rules count
If you let a flat, the building insurance is usually placed collectively with the VvE (Dutch owners' association). The deed of division determines under Article 5:112 of the Dutch Civil Code what is communal. You then insure your owner's interest and your liability, not the whole building.
Liability does not come with the buildings cover
If a tenant or visitor is injured by a defect in the property, you are liable as the possessor under 6:174 DCC, even without fault. Personal liability insurance (AVP) often expressly excludes let properties; arrange separate cover for that.
Frequently asked questions
This is what people ask us most.
Does Finass Verzekert arrange a buy-to-let mortgage for me?
No. Our licence covers non-life insurance. Mortgage credit falls under a different category, so we do not advise on it and do not act as an intermediary. We refer you to an authorised adviser and in the meantime arrange the buildings insurance that goes with it.
May I let with my existing mortgage?
Usually not without consent. Most mortgage conditions assume owner occupation; letting without notifying can be a ground for calling in the loan. Apply for it in writing with your lender and adjust your buildings insurance at the same time.
How much more does the insurance cost when letting?
That differs by insurer and by form of letting. We do not quote amounts for it here. Among the deciding factors are the year of construction, the construction, the rebuild value and whether you let to a family, by the room or to tourists. We compare that for you.
What falls outside buildings insurance?
Poor maintenance, wear, structural faults, groundwater, earthquake and flooding from primary flood defences fall outside the cover. Intent and recklessness are excluded under Article 7:952 of the Dutch Civil Code. During a vacancy the cover is usually limited to fire, storm and lightning.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Financing property to letNo finance advice, let property, referral
- Property finance and your insuranceNo finance advice, insuring the security, referral
- Financing let propertyNo financing advice, existing tenancies, referral
- Property portfolio: financing and insuranceNo finance advice, portfolio, referral
- Financing and insuring a renovationNo finance advice, building work, referral
- Buildings insurance (opstalverzekering) when letting: what does the landlord arrange?Landlord, buildings, division of roles
Read more
Letting a home?
We put the buildings insurance in place properly. For the buy-to-let mortgage we refer you on.
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.