What we do not do
- No mortgage advice
- No application or intermediary services
- No interest or borrowing capacity
No mortgage advice · let home · referral
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.
Deze pagina in het Nederlands: Verhuurhypotheek en uw opstalverzekering.
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.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The division of roles in three cards, with below each task the person who carries it out.
We leave the buy-to-let mortgage itself to an authorised adviser.
What to check before you sign or start letting.
The insurance around the home you let.
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.
Four points that determine whether your cover holds up once you start letting.
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.
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.
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.
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.
This overview is general in nature and is not personal advice.
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.
This is what people ask us most.
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.
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.
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.
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.
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.
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.
Verzekeringen:
/
Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
/
Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
/
Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
/
Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
/
Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
/
Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
/
Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
/
Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
/
pakketten
MKB-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
/
Pakketten
Verzekeringspakket ZZP
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
/
pakketten
VvE-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
/
Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
/
Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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