One policy · one point of contact · a valuation as the basis
Compare exclusive insurance packages
Anyone with a villa, art, two cars and a boat soon has eight separate policies with five companies. That is not just hard to keep track of — it is the reason gaps appear.
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 your own premium with the calculator.
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
An exclusive package brings the home, contents, valuables, liability, legal expenses, vehicles and craft together in one agreement, with one renewal date and one point of contact.
The basis is not a calculation tool but a an inventory: a valuer or adviser maps out on site what is there. The sums insured and the clauses follow from that, and they then demonstrably fit together.
The practical advantage shows at a claim. A fire affects the building, the contents, the valuables and sometimes a car in the garage all at once. With separate policies at different companies a discussion then starts about who pays for what; with one package there is one file and one loss adjuster.
The structure of the cover in three parts, with an overview per situation below.
The essentials
Home
Home and contents on a valuation or survey basis.
Buildings on a rebuild value basis
Contents without tight sub-limits
Outbuildings and grounds
Separately described
Valuables
Art, jewellery, watches and collections.
Comprehensive and worldwide
Loss included
Automatic increase clause
What goes with it
Mobility and other
Vehicles, craft, liability and legal expenses.
Cars at agreed value
Vessels
A generous liability limit
What is covered
Situation
Package
Separate policies
One renewal date and one point of contact
Yes
No
One loss adjuster for related claims
Yes
No
Sums insured that fit together
Yes
Sometimes
A package discount over the whole
Yes
No
Free choice of a different insurer for each part
No
Yes
Automatically the keenest premium for each product
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The gain lies in the fit, not in the discount
With separate policies, gaps arise at the seams: an owner's interest that falls under neither buildings nor contents, art above the sub-limit, a charging point that has not been declared anywhere. A package built on one survey closes those seams. In substance that is worth more than the discount percentage.
One loss adjuster for related claims
After a fire the loss cuts straight across the sections: the building, the fittings, the art on the wall, the car in the garage. With one policy there is one claim file and one loss adjuster. With five companies a discussion about apportionment begins, and that takes months.
Still compare the whole with the sum of the parts
A package is not automatically better value. If there is one section where a specialist is considerably keener — a classic car insurer for your collection, for example — keeping that separate may be wiser. We calculate both options and show you the difference.
A refurbishment, a purchase, a new car or a gift changes the balance between the sections. In this segment those change more often than the policy is updated. Agree a fixed moment each year at which the survey is reviewed; that is exactly where a package proves its worth.
What does your premium depend on?
Total insured values — home, valuables, mobility
Number of sections included
Security level — an alarm connected to a monitoring centre, a safe, cameras
Share of art and collections
Claims history
The excesses chosen for each section
Insurers weigh these details differently. That is why comparing pays off.
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.
Usually the home, contents, valuables, liability and legal expenses, supplemented with vehicles and craft. All on one policy schedule with one renewal date.
Is a package always cheaper?
Not automatically. The gain lies mainly in the fit and in the administration. If there is a section where a specialist is keener, keeping it separate may be wiser; we calculate both options.
How are the amounts determined?
With a survey on site or a valuation, not with a calculation tool. The sums insured and the clauses follow from that, and they then fit together.
What happens in a large claim?
There is one file and one loss adjuster, even if the loss runs straight across the sections. In a fire or a burglary that saves months of discussion about apportionment.
Can I add or leave out parts?
Yes, and that works through into the discount on the whole. If you cancel a section, the benefit on what remains goes down; take that into account.
How often does it need updating?
At least once a year, and further with every refurbishment, purchase or change in your situation. In this segment values change faster than policies are adjusted.
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.
