Type of cover
- Limited: only named events
- Extended: fire, storm, water, burglary
- All-risks: unnamed causes as well
- Exclusions remain in place whichever form you choose
Risk · conditions · limits
How do you choose the right insurance policy?
A policy is only suitable once it covers the risk you do not want to carry yourself. Below you can read in which order to choose and which parts of the conditions really matter.
- 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: Hoe kiest u de juiste verzekeringspolis?.
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
Choose in this order: first the risk, then the type of cover, then the provider. You determine the risk by asking yourself which event you cannot absorb financially. A broken phone is a nuisance; a fire, injury you cause to someone else or a long-running legal dispute is of a different order. For small, bearable risks a higher excess is often more sensible than wider cover.
Then you look at the type of cover and the limits. Two policies both called all-risks can differ widely in sub-limits for jewellery, audiovisual equipment, bicycles or landscaping, in cover away from the home and in the area of cover. Also consider whether there is guarantee against underinsurance ; without that guarantee you carry the risk of a sum insured that is too low yourself.
Only once the cover is settled do you compare premiums. A lower premium almost always comes from somewhere. So read the exclusions before you sign: that is the shortest route to a realistic picture of what you are buying. See also our tips for consumers.
What to judge a policy on
Three elements determine whether a policy suits your situation.
Sums insured and limits
It is not the form but the amount that determines what you actually get back.
- Setting a realistic sum insured
- Read the sub-limits for each category
- Guarantee against underinsurance
- Maximum per event for liability
Exclusions and clauses
This is where you find why a claim is ultimately not paid.
- Wear and deferred maintenance
- Intent and recklessness
- Waiting period for legal expenses cover
- Requirements on alarms, locks or prevention
What is covered
| Situation | On premium alone | On conditions |
|---|---|---|
| You know which causes of loss are covered | No | Yes |
| You know the sub-limits for valuable items | No | Yes |
| You know whether there is a guarantee against underinsurance | No | Yes |
| You know which excess applies per event | Provided that | Yes |
| You know the area of cover abroad | No | Yes |
| Wear and deferred maintenance are covered | 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 taking out the policy.
Two pitfalls when choosing
Two points on which a policy that looks suitable still falls short.
All-risks is no guarantee of payment
All-risks means that unnamed causes are covered as well, not that everything is covered. Outside the policy remain intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance, construction and material defects, damage caused by vermin, mould and slowly penetrating damp, and damage that already existed or was foreseeable. For liability there is also always a maximum per event, and for legal expenses cover a waiting period.
The policy has to grow with your situation
A policy that suited you five years ago can be too tight now. A refurbishment, solar panels, a more expensive bicycle, letting, a business at home or a second home changes the risk and sometimes the cover as well. Report those changes: the duty of disclosure under Article 7:928 of the Dutch Civil Code applies when the contract is entered into and the conditions require changes to be reported. Without notification the payment can be reduced or refused (Article 7:930 of the Dutch Civil Code).
What does your premium depend on?
- Type of cover chosen — limited, extended or comprehensive
- Sums insured — sums insured and limits
- Excess — higher excess, lower premium
- Claims history — previous claims count
- Postcode area — burglary, storm and water risk
- Package and payment frequency — bundling and paying annually make a difference
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.
Where do I start if I have no idea what I need?
With the question of which loss you cannot carry yourself. Then set out the compulsory cover, health insurance and third-party liability for your motor vehicle, and look next at the risks around your home, liability and disputes. What you can absorb yourself does not have to be insured; a higher excess suits that better.
Where in the conditions should I look first?
At the exclusions and the limits, not at the list of what is covered. The exclusions show where a claim founders; the sub-limits determine how much you actually get back for jewellery, equipment or bicycles. Then read the clauses on prevention, because those set requirements for locks, alarms or a safe which you have to comply with.
Is the cheapest policy a bad policy?
Not necessarily, but the difference comes from somewhere. Usually it lies in a higher excess, a more limited form of cover, lower sub-limits, a smaller area of cover or the absence of a guarantee against underinsurance. If that is a deliberate choice that suits your situation, a low premium is fine. If it is unintended, you only notice when you claim.
How often should I review my policies?
At any rate at a life event: moving house, moving in together, refurbishing, buying a car, starting out as self-employed or letting a home. Beyond that, a short check once a year is enough: are the sums insured still right, has duplicate cover arisen and does the excess still match your reserves?
Read more
Within Insuring a home that you let
- Insuring a home that you letthe main page
- Vergelijk opstalverzekeringen voor verhuurde woningen en bespaar geld
- Choosing buildings insurance (opstalverzekering) for the home you let
- Opstalverzekering voor verhuurde woningen alles wat je moet weten
- De opstalverzekering voor verhuurde woningen alle mogelijkheden bij finass verzekert
- Een verzekering voor je tweede huis wat moet je weten
- Waarom een opstalverzekering voor je verhuurde woning onmisbaar is
Similar pages
- How do you take out insurance?
- Compare buildings insurance (opstalverzekering) for let homes
- How many insurance policies are there in the Netherlands?
- Comparing home contents insurance (inboedelverzekering): how to save without giving up cover
- Is there such a thing as the best and cheapest home contents insurance (inboedelverzekering)?
Would you like to know whether your policy still fits?
Request a quote without obligation; we will set your current conditions alongside what the market offers.
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.