De Vereende · compared independently · advice from Finass
Family legal expenses insurance through Vereende
Family legal expenses insurance covers the conflicts of everyone on one policy schedule, and that immediately raises the hardest question: who still counts as part of the family and when do they stop.
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
The cover applies to you and the people you live with on a lasting basis, usually with the addition of student children living at home and away from home. If the composition of the household changes, the circle of insured persons changes with it. You have to report that, because the policy checks afterwards who was insured at the time of the dispute, and not who is on the policy schedule now.
For households that have been refused elsewhere or whose policy has been cancelled, acceptance is the sticking point and not the cover. We use this product when a mainstream provider drops out. Do not expect wider conditions with it: the waiting period, minimum interest and the requirement of a reasonable prospect of success apply in full. For third-party claims your liability insurance to act.
Not covered are disputes between insured parties on the same policy, cases already running when the policy was taken out, business activities, criminal cases involving an allegation of intent and claims below the minimum interest.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your family legal expenses insurance. We show what Vereende and other insurers offer within it.
Debt collection on unpaid invoices
Contract & delivery disputes
Legal advice
Disputes with suppliers
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
Employment law & staff
Business premises (rented or owned)
Public authorities & permits
Recovery of traffic damage
Complete package
The most complete cover. We compare the extended version from Vereende with the market.
Free choice of lawyer in legal proceedings
Tax law & tax disputes
Administrative law
Higher allowance for external costs
What is covered
Situation
Basic
Extended
Dispute with a contractor about work on your home
Yes
Yes
Recovering damages for personal injury after a collision
Yes
Yes
Employment dispute or dismissal
Provided that
Yes
Dispute about a purchase or a delivery
Yes
Yes
Tax dispute or dispute about assets
No
Provided that
A dispute that was already running before the start date
No
No
Legal expenses insurance has a waiting period after the policy starts and a threshold: a case is not taken on below a certain financial interest. If the case goes to court, you have a free choice of lawyer. A dispute whose cause already existed when you took out the insurance is excluded.
What we do
What we do
At Finass
Direct with De Vereende
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 Vereende 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.
Disputes within the family are precisely what is excluded
If two parties are on the same policy schedule, the insurer will not handle the conflict between them. That covers exactly the situation people think of most: a divorce, the division of a home, maintenance or an argument about an inheritance between family members living together. Some policies have a limited module for this with one-off assistance or mediation, but it is never standard.
An employment conflict of a family member
Dismissal, a settlement agreement or a discussion about the transition payment falls under the work and income area of law, which is by no means in every family policy. If a family member is injured at work, the employer is liable under Article 7:658 of the Dutch Civil Code, unless he shows that he met his duty of care. That recovery process needs a lawyer and starts with recording how the accident happened.
Consumer purchases and distance selling
A delivery that does not arrive, an appliance that breaks down soon after purchase or a seller who refuses a guarantee falls under consumer law, provided the other party is a trader. If you buy from a private individual or through a platform where the seller is a private individual, different rules apply and your position is considerably weaker. Keep the order confirmation, proof of payment and the correspondence; without those documents there is no file.
Extra earnings and letting make the dispute a business one
As soon as you do something for payment, the dispute leaves the personal policy. Doing jobs for other people, reselling at a profit, letting a room or offering your home through a platform is treated by insurers as a business activity. A conflict with a tenant or a client then falls outside the cover, even where a small amount is involved. Activities like that need a business policy.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Composition of the household. The number of insured persons determines how many files statistically come out of a policy.
Areas of law chosen. Traffic, home and consumer matters are often in the core; work, income and tax are added separately.
History with other insurers. An earlier cancellation, refusal or a series of claims determines whether, and on what terms, cover is accepted.
Waiting period. A longer waiting period after the start date limits the risk of cases submitted immediately and brings the rate down.
Minimum interest per case. The threshold below which a dispute is not taken on feeds straight through into the premium.
Maximum for external costs. The ceiling for lawyers', experts' and court costs in proceedings is a factor in the price.
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.
As a rule no. A dispute between two people on the same policy schedule is not handled, and that is exactly what a divorce is. A few policies offer a limited module with one-off assistance or mediation, often only after a number of years of uninterrupted cover. Follow-on matters such as maintenance and the division of the home usually fall outside it as well.
Is my partner's dismissal case covered?
Only if the work and income area of law is included on your policy and your partner is named as an insured person on the policy schedule. That module is by no means standard in family cover. Report at the first announcement, so before a settlement agreement is signed, because a signature is almost impossible to undo afterwards.
I let a room. Does a dispute with the tenant fall under it?
Usually not. Letting for payment is regarded as a business activity and falls outside personal cover, even with one room or occasional letting through a platform. For rent arrears, damage or eviction you then need business legal expenses cover. Report the letting to your buildings and home contents insurer as well, or the same problem arises there.
Can I take out this policy if I have been refused elsewhere?
Often yes, because this product is intended for risks the mainstream market does not accept. The conditions are not wider for that: the waiting period, minimum interest and the requirement of a reasonable prospect of success still apply. Declare earlier refusals and cancellations in full, because that duty of disclosure follows from Article 7:928 of the Dutch Civil Code and holding back costs you the cover.
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.
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