Which insurance is the cheapest?
The cheapest policy when you take it out is rarely the cheapest when you claim. That is not a sales line but arithmetic.
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Work out for yourself what it would cost.
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
What you really compare
The total annual cost: the premium plus insurance premium tax plus the excess you would bear on a single claim.
The exclusions: what one policy includes as standard is an extension with its own premium on another.
The sums insured and sub-limits: a low premium with a low sub-limit for jewellery is no saving if you own more than that.
The hidden differences
With a car insurance: the new-for-old period. One year against three makes a difference of thousands of euros in a total loss.
With a buildings insurance: the guarantee against underinsurance and how long it lasts.
With a liability insurance: whether care, custody and control is included and up to what amount.
Where the real saving is
Not in switching but in whether your cover still fits. Comprehensive cover on an old car, or a contents sum from 2015 — those are the amounts that matter.
What you can do yourself
Put your policy schedules side by side and look at the exclusions and sub-limits, not at the premium line. That takes an hour and often yields more than a comparison site.
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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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.
Frequently asked questions
This is what people ask us most.
Is the cheapest policy the best?
Rarely; the lowest premium is often not the lowest cost when you claim.
What do I compare on?
On the total annual cost, the exclusions and the sums insured.
What is a hidden difference with motor cover?
The new-for-old period. In a total loss that is worth thousands of euros.
And with buildings cover?
The guarantee against underinsurance and how long it runs.
Where does the real saving lie?
In whether your cover still fits your situation.
What can I do myself?
Putting your policy schedules side by side and comparing the exclusions.