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 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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Every personal liability insurance has the same hard boundary: what is covered is your liability as a private individual, and what is excluded is everything you do in a profession or business. As long as you live at home and go on holiday, that is no problem. As soon as you do jobs for payment, resell goods or do something for third parties alongside your job, that sentence suddenly matters.
The insurer does not test whether you feel like a business owner, but whether the act had a professional or business character. Tiling a bathroom for an acquaintance for payment, supervising a conversion for a friend, buying goods to resell them at a profit: those are the cases in which an AVP does not pay and there is not yet a business policy.
So with De Goudse we first ask what you actually do alongside your private life. If that turns out to contain a business risk, business liability insurance is the addition needed, and not an extension of the personal policy.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what De Goudse and other insurers offer here.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare De Goudse's extended versions with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What is covered
Situation
Standard
With extension
Your child breaks a window at the neighbours'
Yes
Yes
Your dog bites a passer-by (6:179 DCC)
Yes
Yes
Damage to a rented holiday home
Provided that
Provided that
Damage to property in your care (care, custody and control)
No
Provided that
Damage caused with a motor vehicle (Article 2 WAM)
No
No
Damage caused intentionally (7:952 DCC)
No
No
Personal liability insurance (AVP) covers damage that you or a member of your household cause to someone else in a private capacity. Damage caused with a motor vehicle is not covered: the WAM applies to that. The care, custody and control exclusion excludes damage to property in your care, unless the policy provides an extension for it.
What we do
What we do
At Finass
Direct with De Goudse
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 De Goudse 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Jobs for payment
If you help a neighbour move house and a cupboard goes through the stair rail, that is a favour and it falls under the AVP. If you lay a floor for payment and it cracks months later, the insurer treats the act as a business one. It is not about the size of the payment but about the character of the assignment: agreed work, with a result the other party may count on.
Side earnings and starting a business
Anyone who makes and sells goods through a platform, or takes on assignments alongside a job, falls outside the personal policy with that part. If you supply a product that causes damage, the product liability under Article 6:185 of the Dutch Civil Code also comes into play, which does not require fault. The AVP does not cover that. Report it in advance. Afterwards the exclusion always looks clearer than it did beforehand.
Employment and voluntary work
Loss you cause as an employee lands with your employer under Article 6:170 of the Dutch Civil Code; towards that employer you are protected by Article 7:661 of the Dutch Civil Code, except in cases of intent or wilful recklessness. For voluntary work it is often the case that the organisation has its own cover. We look at which policy comes first, so that you do not pay for double insurance and are not left with a gap.
What falls outside the cover as a matter of course
As well as professional and business activities, the policy excludes loss caused deliberately (Article 7:952 of the Dutch Civil Code) and damage caused with a motor vehicle, which has its own compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Pure financial loss without injury or property damage, such as wrong advice that costs someone else money, also does not belong in this product.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Professional activities alongside family life. What you do alongside your private life determines whether a personal policy is enough or whether business cover is needed.
Voluntary work. The type of work and the organisation you do it for determine whether collective cover is already in place.
Working from home. If you receive customers at home or keep stock there, the risk shifts into the business domain.
Size of the family cover. The number of people insured in the household remains the basis of the pricing.
Level of cover for injury claims. Injury can have lifelong consequences. The maximum per event determines your residual risk.
Combination with a business policy. If the business liability sits with the same insurer, the boundary between the two fits together better.
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.
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.
Not for those jobs. The personal policy excludes professional and business activities, and paid work for third parties comes under that, even where little money is involved and you have no trade register entry. Public and employers' liability insurance is needed for that part. We map out which part of your activities belongs where.
What is the difference from public and employers' liability insurance (AVB)?
The personal policy covers your liability as a private individual: loss in and around the home, on the road as a cyclist and on holiday. The business version covers loss arising in the running of your business, including employers' liability and loss during work at a client's premises. They do not overlap; one begins where the other ends.
I do voluntary work. Do I need anything extra for that?
Often not. Many local authorities and organisations have a collective arrangement for volunteers, which takes precedence over your own policy. If you do not know whether one exists, ask the organisation before you insure anything extra. We check what is in place and whether your personal policy covers the remainder.
I sell products I make myself. What covers that?
Not your personal liability insurance. As soon as you put products on the market, the product liability under Article 6:185 of the Dutch Civil Code applies: if the product is defective and causes damage, you are liable without any fault having to be established. A business policy with product liability is the right place for that.
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.
