De Vereende · compared independently · advice from Finass
Personal liability insurance (AVP) through Vereende
This policy exists for households that mainstream insurers will no longer accept: after a cancellation, after a series of claims or after an incident involving a dog.
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
Personal liability insurance is not compulsory by law, but without a policy you carry someone else's loss yourself, and injury claims have no upper limit. The liability follows from Article 6:162 of the Dutch Civil Code, and for animals from Article 6:179 of the Dutch Civil Code: as the possessor you are liable for what your animal does, even where you did nothing wrong.
What sets this insurance apart is not the cover but the underwriting. We use it where an ordinary insurer keeps the door closed: after cancellation for non-payment or fraud, after several claims in a short period, after registration in a warning system, or where there is a biting incident in the file.
The exclusions are no broader than elsewhere, but they are enforced more strictly: intent, damage to property in your care, damage caused with a motor vehicle and damage from work for your own account stay outside the cover. For the legal side alongside a claim, see the family legal expenses insurance.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core. We show what Vereende and other insurers offer in it.
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 Vereende'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 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.
Why an ordinary application fails
Insurers rarely refuse because of one claim. It is about a pattern: an earlier cancellation by the insurer, arrears of premium that led to cancellation, a fraud report or an accumulation of claims within a few years. Such data is held in a central system that every insurer consults when underwriting. A safety-net policy looks at the same data, but does not automatically close the application on that basis.
Dogs and other animals after an incident
As the owner you are, under Article 6:179 of the Dutch Civil Code liable for damage your animal causes, even if you were not there. Injuries from a bite mount up quickly through injury and scarring. After an incident, insurers often only accept an animal subject to conditions: a duty to keep it on a lead and muzzled, or exclusion of that particular animal. If such a condition is breached, cover for that loss falls away.
Declaring a difficult history is not optional but an obligation
When you apply you have to disclose earlier cancellations, refusals, claims and registrations in full. That follows from Article 7:928 of the Dutch Civil Code. If you conceal something and it comes out after a claim, the insurer can refuse the payment under Article 7:930 of the Dutch Civil Code and terminate the policy, after which you are back with a cancellation in your file. Full disclosure is the quickest route here.
Intent remains excluded, even on a safety-net policy
Broader underwriting does not mean broader cover. Damage caused deliberately remains excluded under Article 7:952 of the Dutch Civil Code and the intent clause in the conditions. Vandalism, assault and threats fall under it without exception, even where the consequences turned out worse than intended. Even so, always notify a claim without undue delay; Article 7:941 of the Dutch Civil Code requires this.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Claims and cancellation history. The number of claims, the reason for an earlier termination and any registrations determine whether and how you are accepted.
Household composition. Cover for one person is weighted differently from family cover with a partner and children living at home.
Pets and the type of animal. A dog with an incident in the file leads to special conditions or to exclusion of that animal.
Sum insured per event. The maximum per claim is the main rating basis, certainly where injury claims are a possibility.
Excess chosen. A higher excess makes acceptance easier and keeps small claims out of the file.
Living situation. Renting, owning your home or a particular form of housing leads to different liabilities and a different rate.
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.
I have been refused everywhere. Can I still get cover here?
Often yes. This policy exists precisely for risks the mainstream market does not accept. The whole file is looked at, though, and special conditions can be attached to acceptance, such as a higher excess or the exclusion of a particular animal. If you supply the refusal letters and the claims history in full, the assessment is quickest.
Do I have to disclose an earlier cancellation?
Yes, always. The duty of disclosure in Article 7:928 of the Dutch Civil Code requires you to disclose everything you can reasonably understand to be relevant to the underwriting. A cancellation, a fraud report or an earlier refusal certainly belongs in that. Holding it back leads to rejection under Article 7:930 DCC at the first claim and to termination again.
Is my dog still insured after a biting incident?
That depends on the conditions on which you are accepted. Sometimes the animal is simply included, sometimes a duty to use a lead or muzzle applies and sometimes that particular animal is excluded. If you do not comply with such a condition, the loss is not covered while you remain liable as the possessor under Article 6:179 DCC.
Is liability insurance compulsory?
No, unlike with a motor vehicle there is no statutory insurance obligation. When it comes to it it is required, though: landlords, housing associations, sports clubs and schools ask for it as a matter of course. Without a policy you also remain personally liable for injury claims, and those can be recovered from you for many years.
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.
