Basic cover
- Fire & lightning strike
- Burglary & theft at home
- Explosion & smoke
- Water damage at home
Masterpiece insurance through Chubb
Masterpiece insures your home, contents and valuables together, with art, jewellery and collections covered on the basis of a valuation instead of through the sub-limits of an ordinary home contents insurance (inboedelverzekering).
- 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
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
In brief
A standard contents policy works with maximum amounts per category. As soon as a jewellery collection, a painting or a wine cellar exceeds those maximums, the cover is security on paper only. This form turns that around: the items are valued and specified individually, and that recorded value is the starting point when there is a claim.
The second feature is the scope. Valued items are generally covered not only in the home but outside it as well — on the move, at the jeweller's, in a bank vault or during an exhibition. On the other hand, insurers in this segment set stricter requirements as to security, use of a safe and the information provided at the outset.
For an ordinary home and ordinary contents this form is too heavy. We then compare with the Allianz home contents insurance. For valuables that are mainly on the move, we also look at the travel insurance through Chubb.
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Through Finass or direct with Chubb?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as the basic cover, also protection against loss, damage and theft away from home, including from external causes.
- Theft outside the home
- Loss
- Damage from dropping or knocking
- Valuation & appraisal
Comprehensive worldwide
The most complete cover. We compare Chubb's extended version with the market.
- New-for-old settlement
- All risks: any sudden damage
- Worldwide cover
- Disappearance without a cause
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with Chubb |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Chubb is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Total valued amount of the valuables. The sum of specified art, jewellery and collections carries the most weight.
- Rebuild value and construction type of the home. Thatch, listed status and unusual materials increase the rebuilding costs.
- Security level. An alarm with remote signalling, the safe classification and camera surveillance are taken into account in the assessment.
- Occupancy pattern. A second home or long periods of absence increase the burglary risk.
- Territorial scope for the valuables. In the home only, within the Netherlands, or worldwide including loans and exhibitions.
- Nature of the collection and the excess. Items prone to breakage, portable or hard to replace, and the amount you choose to bear yourself.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Valued items instead of sub-limits
Every valuable item is given its own valuation and its own line on the policy. That removes any argument about the value after the event and eliminates the risk of underinsurance on that item. The report does have to be up to date: if you buy more, have something restored or the market moves, have it revalued. Article 7:960 of the Dutch Civil Code continues to apply, so here too you never receive more than your actual loss.
Cover inside and outside the home
Valued items generally follow the item itself: at home, in the safe, on the way to a valuer or on loan to an exhibition. What is not paid for is just as important: gradual deterioration, discolouration through light, damp and insects, damage during restoration or cleaning by a third party, and inherent defect. For items prone to breakage there is often a separate provision on transport and packing.
The building: construction type and rebuilding
In this segment the properties often have an unusual construction type: thatched roofs, listed features, handmade window frames. Rebuilding with equivalent materials costs a multiple of standard construction, and the buildings sum insured must be matched to that. Insurers therefore set requirements as to the state of maintenance, the electrical installation and lightning protection. Deferred maintenance is a ground for exclusion, not a detail in the small print.
Security, absence and the information given in advance
Clauses attach to the policy: a certified alarm with remote signalling, jewellery in the safe overnight or during absences, and a duty to report a long period of vacancy or a stay elsewhere. If a clause is not complied with, the payout is open to question. Incorrect or incomplete information at the outset (about earlier claims, security or occupancy) falls under Articles 7:928 and 7:930 of the Dutch Civil Code.
Theft & loss
New for old
Frequently asked questions
This is what people ask us most.
Why do I have to have my valuables valued?
Because the value is then established before the loss. Without a valuation you have to show after the event what a ring or painting that has gone was worth, using purchase invoices that are often missing or out of date. With a valuation report that is recorded and there is no underinsurance on that item. Have reports renewed periodically, certainly for precious metals and art.
What is the difference with ordinary home contents insurance?
An ordinary policy covers the whole contents under one amount with low maximums per category of valuables. Here the valuable items are specified and valued separately, usually with wider cover outside the home. For an average household that is unnecessary. In that case all you need is the Allianz home contents insurance.
Is my jewellery covered when I take it away on a trip?
With valued items it usually is, because the cover follows the item rather than the home. Note the safe clause in hotels and the exclusion for items left unattended and for checked baggage. If you travel a lot, we look at this together with your travel insurance, so that the covers fit together.
Do I really have to declare every item separately?
Not everything. Ordinary household effects are included under a total amount; specification is intended for items exceeding the sub-limit of a normal policy. In practice this means jewellery, watches, art, antiques, musical instruments and collections. We draw up the list with you and keep it up to date after a purchase or sale.
Every situation is different. For these situations we have a separate page.
Read more
Within Bestelautoverzekering
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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.