Cookie policy
Alles op één plek: onze kennisdossiers, Damage Assistance, een begrippenlijst en de officiële instanties waar u terecht kunt. Onafhankelijk samengesteld door Finass Verzekert.
Kennisdossiers per Insurance
In onze kennisdossiers leggen we per Insurance uit wat er precies gedekt is, wat de premie bepaalt en waar u op moet letten — zonder verkooppraat.
private: Auto · Engine · camper · Caravan · woonhuis · Contents · Liability · Valuables
Commercial & zzp: Self-employed · Corporate liability · Professional liability · cyber · Legal aid · verzuim · Business damage · gebouwen
Waar begin ik als ik iets wil verzekeren?
Damage Assistance
Schade gehad? Op deze pagina’s leest u precies wat u moet doen en wat u nodig heeft:
Schade melden (private) · schade beheren · schadedocumenten
Schade melden (Commercial) · schade beheren Commercial · documenten Commercial
Stap voor stap: het autoschadeclaimproces en de procedure bij schade aan huis.
Spoed buiten kantooruren?
Hulp bij kiezen & controleren
Een paar hulpmiddelen die vaak van pas komen: de herbouwwaardemeter (Building) en inboedelwaardemeter voorkomen onderverzekering, en uw schadevrije jaren staan geregistreerd in Roy-data. Voor bedrijfspanden werkt u met een taxatie conform Art. 7:960 BW.
Look at ook onze merkenoverzicht, de verzekeringsmaatschappijen waarmee wij werken en het bestaande kennisbankoverzicht.
Hoe weet ik of ik onderverzekerd ben?
Waar vind ik mijn schadevrije jaren?
Officiële instanties
Onafhankelijke en officiële bronnen waar u terecht kunt:
- AFM — toezichthouder financiële dienstverlening (register van adviseurs)
- Kifid — klachteninstituut financiële dienstverlening
- Verbond van Verzekeraars — brancheorganisatie, o.a. Bedrijfsregeling 11 (Roy-data)
- RDW — kentekenregistratie en verzekeringsplicht
- Waarborgfonds Motorverkeer — bij schade door een onbekend of onverzekerd voertuig
- Nivre — register van schade-experts (o.a. voor contra-expertise)
- Autoriteit Persoonsgegevens — melden van datalekken
- Nederlandse Arbeidsinspectie — melden van ernstige arbeidsongevallen
Deze partijen staan los van Finass Insures; wij verwijzen ernaar voor onafhankelijke informatie.
Waar kan ik een klacht indienen?
Hoe controleer ik of een adviseur betrouwbaar is?
Wij nemen het traject met de verzekeraar voor u over.
Neem Contact opBegrippenlijst
De termen die u het vaakst tegenkomt, kort uitgelegd.
Eigen risico
Dagwaarde vs. nieuwwaarde
Herbouwwaarde
Bereddingskosten
Onderverzekering
Bonus-malus & schadevrije jaren
Contra-expertise
Zuivere vermogensschade
Veelgestelde vragen
Wat vind ik in de kennisdossiers?
Waar meld ik schade?
Wat is Roy-data?
Bij welke instantie kan ik klagen?
Werkt Finass met vaste verzekeraars?
Consent · categories · withdrawal
Cookie policy
This page explains which types of cookies this website uses, which of them require consent and how to withdraw a choice you have made.
- 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: Cookiebeleid.
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 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
A cookie is a small file placed on your device when you visit. Placing and reading it is governed by Article 11.7a of the Dutch Telecommunications Act. The main rule is prior consent, with two exceptions: cookies that serve solely to enable communication and cookies that are strictly necessary for a service you have requested. That exception covers, for example, remembering your language choice, making a form work and recording your cookie choice itself.
All other cookies require prior, informed consent. In practice that concerns two categories. Analytics cookies measure how the site is used: which pages are viewed, where visitors drop out and whether a form is completed. Marketing and tracking cookies are used to tailor advertising and measure its reach, often by a party other than the website itself. If you refuse them, the site continues to work normally.
If a cookie also processes personal data, the General Data Protection Regulationapplies as well. You then have a right of access (Article 15 GDPR), to rectification (Article 16 GDPR) and to erasure (Article 17 GDPR), and you can always withdraw consent you have given. What else happens to your data, for what purpose and for how long, is set out in the privacy policy.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
What you can arrange yourself
Four things to know about your cookie choice before you click anything.
You can always withdraw consent
A choice is not final. You can withdraw your consent at any time, after which no new non-essential cookies are placed. What has already been placed you remove through your browser settings; there you can also block cookies per website or have them deleted automatically when you close the browser.
Refusing must not cost you the service
The information on this site remains available if you refuse analytics or marketing cookies. Only functional cookies are needed to make forms and preferences work; without them a partly completed form may lose data along the way. No consent is required for that essential category.
Cookies from other parties
Some cookies are placed by a party other than the website you are visiting, for example with an embedded video, map or statistics service. That party processes the data under its own terms. We place such third-party cookies only with your consent; if you do not give it, the embedded content is not loaded.
What this page does not deal with
This is not insurance advice and not a policy document. It says nothing about cover, exclusions or premium, and no entitlement to a payout arises from it. Cookies also play no part in acceptance or claims handling: the information the insurer needs comes from your application and not from your browsing behaviour.
What does your premium depend on?
- Type of cover chosen — wider cover means a higher premium
- Sum insured — the maximum payout per event or per year
- Excess — a higher excess lowers the premium
- Risk profile — address, use, occupation and age, depending on the product
- Claims history — earlier claims count towards acceptance and premium
- Payment term — paying annually is usually cheaper than paying monthly
Insurers weigh these details differently. That is why comparing pays off.
What is placed
| Situation | Without permission | With permission |
|---|---|---|
| Remembering the cookie choice you have just made | Yes | Yes |
| A cookie that holds your partly completed quotation form | Yes | Yes |
| Measuring on which page visitors abandon the application | No | Yes |
| An embedded map or video player from another party | No | Yes |
| Advertisements you see again later on another website | No | Yes |
| Sending your browsing behaviour to the insurer with an application | No | No |
The first two rows work whatever you choose; everything below stays off until you consent to it yourself.
Frequently asked questions
The questions we are asked most often about this.
Do I have to accept cookies in order to calculate a premium?
No. Only functional cookies are needed to complete and submit an application, and they fall under the exception in Article 11.7a of the Dutch Telecommunications Act. You can refuse analytics and marketing cookies without the form ceasing to work. The information you enter yourself is processed as described in the privacy statement.
How do I delete cookies that have already been placed?
Through your browser settings. Every browser has an option to view and delete stored cookies and site data, either per site or all at once. There you can also set cookies to be deleted automatically when you close the browser, or block third-party cookies by default. You will then be asked for your choice again.
Is my data shared with insurers?
Cookie data is not. What does go to an insurer is the information you enter yourself on an application or claim form, because it is needed to assess your application or claim. Which categories of data those are, for what purpose and how long they are kept, is described in the privacy statement.
What rights do I have where personal data is processed?
You can request access to the data recorded about you, ask for rectification or erasure and object to certain processing. You can withdraw consent you have given without giving a reason. If you cannot resolve matters with us, you can lodge a complaint with the Dutch data protection authority. The contact details are set out in the privacy statement.