VvE contact
Bestuurt u een Vereniging van Eigenaren? Finass Verzekert kent de VvE-praktijk en vergelijkt onafhankelijk meerdere verzekeraars. Bekijk hieronder de verzekeringen die wij voor uw VvE vergelijken. AFM-geregistreerd en Kifid-aangesloten.
Wat onze klanten zeggen
Klanten beoordelen ons gemiddeld met een 9,5 en de schade-afhandeling met een 9,8.
“Binnen een dag geregeld en goed geadviseerd. Fijn dat een echte adviseur meekeek.”
“Helder en eerlijk advies, precies afgestemd op mijn situatie.”
“Onafhankelijk advies over de beste dekking voor mijn situatie. Scheelde echt.”
“Na schade meteen geholpen en snel afgewikkeld. Prettig vast aanspreekpunt.”
Board · managing agent · deed of division
Contact for owners' associations
If you sit on the board of a VvE (Dutch owners' association) or manage one, contact about the association's policies runs through this page. Below we set out which details we need and who may arrange what.
- 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: Contact voor verenigingen van eigenaren.
Ask us
We will take a look and refer you elsewhere where that is better.
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.
- 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.
In brief
With a VvE there are always several parties involved: the the board, any professional managing agent and the individual owners. We need to know in which capacity you are contacting us, because that determines what we may discuss and change. The policyholder is the association, not the individual owner. So a resident can report damage to a communal part, but cannot amend the association's policy themselves. Article 5:126 of the Dutch Civil Code places the management of the common property with the association and gives it the power to take out insurance for it.
When you first get in touch, have the following documents to hand: the deed of division with the applicable model regulations, the association's Chamber of Commerce number, the number of apartment rights and the fractional shares, a recent valuation report or the most recently determined rebuild value, and the long-term maintenance plan. With those we can assess whether the buildings cover, the liability cover and the directors' and officers' liability cover fit together. See also the VvE package and insurance for a VvE.
There are separate pages for the two most common actions: you report damage through reporting a claim in a VvE and you pass on a change to the building, the board or the use through Reporting a VvE change. General questions that have nothing to do with the VvE go through contact.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
Who may do what, and what falls outside the VvE policy
Four subjects that most often give rise to misunderstandings at VvEs.
Board member, managing agent or owner
We process changes to cover or to the sum insured on the basis of a board resolution, and where the regulations require it, on the basis of a resolution of the general meeting. A managing agent acts on the board's behalf within its management agreement. An individual owner can request information about the association's policy, but cannot amend or cancel it.
Communal or private: the deed decides
Whether the floor, the window frame or the pipe where the damage is located is communal is set out in the deed of division and the model regulations, not in the policy. Improvements an owner has made themselves fall under the owner's interest and are usually not included on the VvE's buildings insurance. That owner needs their own cover for them.
Liability of the association
If a facade panel falls down or a visitor trips over a loose tile in the communal hall, the VvE is liable as owner of the building under Article 6:174 of the Dutch Civil Code. That is strict liability: no fault has to be shown. See liability insurance for a VvE. Personal liability of board members is a separate policy.
What the VvE policies do not cover
The following are usually not covered: deferred maintenance and gradual damp, construction and design faults, and damage arising during building work that was not reported in advance. The residents' home contents do not belong on the association's policy either, and fines or penalty payments are never insured.
What does your premium depend on?
- Rebuild value of the complex — usually on the basis of a valuation report
- Year of construction and construction type — materials, roof covering and listed status all count
- Use of the rooms — residential only or business premises in the building as well
- State of maintenance — an up-to-date long-term maintenance plan works in your favour
- Number of apartment rights — determines the size of the common property
- Claims history of the complex — previous leaks or storm damage count
Insurers weigh these details differently. That is why comparing pays off.
Which policy pays
| Situation | The VvE's policy | The owner's policy |
|---|---|---|
| A leaking riser in the duct damages the bathroom wall of number 12 | Yes | No |
| The designer kitchen installed by number 12 is damaged in that same leak | No | Yes |
| Storm damage to the roof covering of the complex | Yes | No |
| A broken pane in the communal stairwell | Provided that | No |
| The washing machine at number 7 leaks through to the neighbours below | No | Yes |
| Subsidence of the foundations after years of drought | No | No |
If you report a loss, have to hand whether the damaged part is communal or private under the deed.
Frequently asked questions
The questions we are asked most often about this.
I am an owner, not a board member. Can I contact you myself?
Yes, for questions and to report damage to a communal part. We do then inform the board or the managing agent, because the association is the policyholder. Changing the cover, the sum insured or the excess is only possible through the board. Damage to your own contents you report to your own home contents insurer.
We have no professional managing agent. Is that possible?
It is; many small associations are run by the owners themselves. What matters then is that one person is designated as the point of contact and that resolutions are recorded in the minutes. When a claim is made, insurers regularly ask about the maintenance plan and about resolutions of the general meeting. Without a record, settlement takes longer.
There is a leak from an upstairs flat to the one below. Who do you report that to?
Report it to the VvE, because the cause often lies in a communal pipe or in the roof. If the cause turns out to lie in a private part, the loss ends up with the owner concerned or their liability insurer. Damaged contents belonging to the downstairs neighbour always go through their own home contents insurance. So if in doubt, report it in both places.
What details do you need for a quotation?
The deed of division with the model regulations, the Chamber of Commerce number, the address and year of construction, the number of apartment rights, the last known rebuild value or the valuation report, the use of any business premises and the claims history of recent years. If there is no valuation, say so; insurers usually set requirements for that with larger buildings.