Buildings and contents on a valuation
- Valuation in accordance with Article 7:960 DCC
- No discussion about underinsurance
- Room for unusual materials
- Garden landscaping and outbuildings included
Exclusive personal insurance
A high net worth personal package is intended for households for which the standard norms of an ordinary policy are too tight. Below you can read how such a package differs and where its limits lie too.
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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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
An ordinary home and contents policy works with standard norms: a value calculator for the contents, an address scan for the building and fixed sub-limits for jewellery, audiovisual equipment and special possessions. As soon as your home, art, jewellery or instruments clearly exceed those, that calculation no longer holds. A high net worth personal package therefore works with individually established amounts rather than with norms.
The difference lies in three things. First, the way value is established: an valuation report under Article 7:960 of the Dutch Civil Code fixes the value for an agreed period, so that any dispute about underinsurance or market value disappears when you claim. Second, the sub-limits: jewellery, art and collections appear separately on the policy instead of under a standard maximum. Third, cover away from the home, in transit and while travelling.
A high net worth package is not cover without exclusions. Wear, deferred maintenance, subsidence and loss of value remain outside the policy here too, and insurers more often set prevention requirements for alarms, safes and locks. If these are not met, the payout may lapse. See also the high net worth home package.
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What a high net worth package is made up of
Three elements determine whether a high net worth package adds value in your situation.
Jewellery, art and collections
Special possessions are described separately on the policy.
- Insured per item or per category
- Covered away from the home as well
- Cover in transit and while travelling
- Often requirements for a safe or an alarm
Higher limits and legal expenses
Greater wealth calls for a higher sum insured per event.
- Higher maximum per event
- Domestic staff included
- House guests and babysitting risk arranged
- Legal expenses with broader cover abroad
What is covered
| Situation | Standard package | Exclusive package |
|---|---|---|
| Sum insured based on a value calculator | Yes | No |
| Value fixed in a valuation report | No | Yes |
| Jewellery and art above the standard maximum | No | Yes |
| Valuables covered away from the home | Provided that | Yes |
| Requirements for an alarm, safe or locks in the policy | Provided that | Yes |
| Wear, subsidence and deferred maintenance | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before taking out the policy.
What does your premium depend on?
- Valued amounts: buildings, contents and valuables
- Nature of the items: art, jewellery or instruments
- Security of the home: alarm, safe and locks
- Postcode area: burglary, storm and water risk
- Limits chosen: maximum per event
- Excess and size of the package: bundling saves on the premium
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
What to look out for
Two points that determine whether the package does what you expect of it when you claim.
A valuation only works within its term
A valuation report drawn up by an expert binds the insurer under Article 7:960 of the Dutch Civil Code for the agreed period, usually three to six years. After that the binding effect lapses and you fall back on the ordinary way of establishing value, with all the disputes about underinsurance that brings. Put the end date in your diary and have art, jewellery and collections revalued in good time, certainly if the market has changed.
Prevention requirements are not advice but a condition
With higher sums insured, insurers often include warranty clauses: jewellery in a certified safe, a working alarm when you are away, or particular locks. If such a condition is not met, the insurer may refuse the payout. Here too, intent and recklessness excluded (Article 7:952 of the Dutch Civil Code), as are loss of value, wear, damage by insects or mould, and loss where you cannot state the circumstances.
Frequently asked questions
This is what people ask us most.
When is a high net worth package worthwhile?
As soon as your possessions exceed the standard norms. Think of a home with unusual materials or a high rebuild value, jewellery and art that exceed the sub-limit of an ordinary contents policy, or a liability risk for which the usual maximum per event is tight. If you stay within the norms, a high net worth package adds little.
Do I have to have everything valued?
Not everything. Insurers usually require a valuation for the building in the case of unusual properties and for individual items above a certain value, such as a painting, a watch or an instrument. For the remaining contents a value calculator is often still enough. Which threshold applies differs by insurer and is set out in the acceptance conditions.
Is jewellery insured away from home as well?
In a high net worth package, usually yes, including in transit and while staying abroad, often with a limited period per trip. Conditions do apply: loss without identifiable circumstances, leaving items in an unattended car or in checked baggage is often excluded or restricted. Read that passage in the conditions before you travel.
Does the cover lapse if I renovate or start letting the property?
Those situations change the risk and you must report them. On entering into the contract, the duty of disclosure under Article 7:928 of the Dutch Civil Code applies. A breach can reduce the payout or cause it to lapse (Article 7:930 DCC). Letting, letting rooms, prolonged vacancy and running a business from home often fall outside the cover if not reported, in a high net worth package too.
Every situation is different. For these situations we have a separate page.
- Compare valuables insuranceThe main page
- Valuables insurance: which cover do you need?Jewellery limit, valuation, worldwide cover
- Insuring jewellery, art and watchesValuation, safe clause, worldwide cover
- Insuring your watch against damage and theftJewellery limit, valuation, cover away from home
- Insuring your RolexJewellery limit, market value, safe clause
- Insuring exclusive valuablesValuation, worldwide, revaluation
- Insuring luxury possessionsJewellery limit, valuation, safe clause
- The usual personal insurance policiesHome, liability, transport
- Exclusive home packageVilla, valuation, all in one
Wondering whether your values are still correct?
Request a quote without obligation. We check your sums insured, valuations and limits.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.