Special placement · file · clauses
Insuring through De Vereende
This company insures what is left lying elsewhere. That is a fixed role within the Dutch market and says nothing about whether you are a good customer.
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Deze pagina in het Nederlands: Verzekeren via De Vereende.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Insurers work with acceptance frameworks. Anyone falling outside them receives a refusal without the risk thereby disappearing: a car must be insured, a property must be covered and a business remains liable. For those situations there is a provider that assesses case by case instead of by rate. The range runs from car insurance and delivery mopeds up to home contents, buildings to commercial cover.
What you buy here is a tailored assessment, and that requires a complete file. Where a regular application consists of a handful of questions, here you are asked about the reason for an earlier cancellation, about the full claims record, about registrations and about the measures you have taken since. An application that is incomplete on that point is not refused but corrected later, and then it affects your payout instead of your premium.
On the commercial side, this route comes into play with transport-related businesses in particular, where alongside the vehicles there is the injury risk to your own drivers. That cover runs through a separate policy. The difference between the forms is set out at WEGAS and WEGAM and how it works in practice at the WEGAM insurance. Finass Advies is an independent intermediary and compares several insurers objectively. This company is one of them, and not the first we approach.
This page deals with one situation. The full overview is on WEGAS and WEGAM: what is the difference?.
What to look for with a special placement
Four points that make the difference between a policy that holds and a policy that disappoints at claim time.
The reason determines the route
An application ends up here after a policy cancellation, after a series of claims in a short period, where there is an entry in a warning system, with an unusual object or use, or with an activity for which there is no standard rate. Which of those reasons applies determines whether a restriction is temporary or structural, and therefore whether a return to the regular market is realistic.
The application file is half the work
Supply a claims overview covering several years, the cancellation letter from the previous insurer and an explanation of what has changed. The duty of disclosure under Article 7:928 of the Dutch Civil Code weighs more heavily here than elsewhere, precisely because the underwriter uses no standard model but relies on your declaration. Incorrect information feeds through as far as the settlement of a claim.
Clauses are not small print
A policy often comes about with additional requirements: security, storage, inspection, an age limit for drivers or an increased excess. Those are conditions of cover, not advice. Anyone who does not comply with them is uninsured for precisely that loss. So read the clauses sheet alongside the policy schedule and record internally who is responsible for compliance.
What is not insured here either
Outside all cover remain damage caused intentionally under Article 7:952 of the Dutch Civil Code, fines and penalty payments, damage during use for which there was no entitlement and the consequences of wear and tear, deferred maintenance or inherent defect. Insurance reimburses a sudden, unforeseen event. It compensates neither ageing nor a penalty.
What does your premium depend on?
- Reason for the earlier refusal: non-payment weighs differently from a single serious claim
- Nature and extent of the claims history: frequency counts for more than one outlier
- Prevention measures accepted: security and inspection demonstrably reduce the risk
- Level of the excess: a larger share borne by you makes acceptance easier
- Extent of the cover requested: liability only, or damage to your own property as well
- Time elapsed since the last incident: a claim-free period counts at every renewal
Insurers weigh these details differently. That is where your saving is.
Where cover can be obtained
| Situation | Standard insurer | Specialist placement |
|---|---|---|
| Your previous insurer cancelled the policy for premium arrears | No | Yes |
| Three at-fault claims in two years | No | Provided that |
| A carnival float that goes on the road one weekend a year | No | Yes |
| A car with no accumulated no-claims years, otherwise unremarkable | Yes | Yes |
| Alongside liability, damage to your own property as well, on a loaded risk | No | Provided that |
| An ongoing fraud file with another company | No | No |
As soon as the left-hand column says Yes again, there is no reason to stay in the right-hand one.
Frequently asked questions
This is what people ask us most.
Do I automatically pay more premium here?
Generally yes, and that is the price of individual acceptance instead of a standard rate. The level depends on the risk shown by your file and on the cover you ask for. Often the premium can be reduced by increasing the excess or narrowing the cover, for example by insuring liability only and bearing damage to your own property yourself.
How long will I be dependent on this route?
That depends on the reason. After a period without claims and without payment arrears, a regular application again has a good chance, certainly once an entry in a warning system has expired. We check that at every renewal. If you stay insured here without cause, you pay for years longer a premium based on an outdated picture of the risk.
Can an application still be refused?
Yes. A specialist provider also has its limits, for example with an ongoing fraud file, with an uninsurable use or where prevention requirements cannot be implemented. In that case we look at whether the risk can be placed with a different structure: narrower cover, a higher excess or splitting objects across several policies.
Does anything change about my rights when there is a claim?
No. The statutory rules on the insurance contract apply in full, including the duty to notify under Article 7:941 of the Dutch Civil Code and the complaints procedure set out in the conditions. What changes is the rigour with which clauses are tested: with a risk accepted on a tailored basis, compliance with them is the starting point for assessing a claim.