What we do not do
- No advice on green loans
- No brokerage or application
- No grant applications
No finance advice · sustainability measures · referral
Making your home more sustainable: financing and insurance
Solar panels, a heat pump or insulation change not only your energy bill but also your risk and your rebuild value. We arrange that side; for the finance we refer you on.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Verduurzamen: financiering en verzekering.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Finass Verzekert (AFM 12016589) advises and acts as an intermediary in non-life insurance. A sustainability loan, a green increase in the mortgage or business finance falls under a different licence category. We do nothing in that field; we refer you to a party listed in the public AFM register.
Please note: borrowing money costs money. A green offer is a loan as well. Compare on the annual percentage rate (APR) and not on the monthly payment or on a promised saving. Licence holders consult BKR (the Dutch credit register) for credit from 250 euros upwards with a term longer than one month.
What we do: sustainability measures affect your policy in two ways. The installation has to be declared , and the rebuild value rises. See buildings insurance and solar panels.
Who does what with sustainability measures?
The division of roles in three cards, with below each task the person who carries it out.
What to look out for
What to check before you sign and have the work installed.
- The provider's licence
- Costs over the full term
- Your insurer's requirements
What we do provide
The insurance of the installation and of the building around it.
- Reporting the installation and adding it to the cover
- Adjusting the rebuild value
- Liability as owner
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Advice on a sustainability loan or a green mortgage | No | Yes |
| Calculating your borrowing capacity | No | Yes |
| BKR check and statutory credit information | No | Yes |
| Reporting solar panels or a heat pump on the policy | Yes | No |
| Adjusting the sum insured after the investment | Yes | No |
| Explaining the insurer's inspection requirements | Yes | Provided that |
What is actually covered is set out in the insurer's policy conditions and insurance card (verzekeringskaart).
Where sustainability measures affect your policy
Four points that make the difference after installation when you claim.
A solar power installation must be reported
Panels on the roof change the fire risk and the rebuild value. Many insurers want to know how many panels there are and who installed them; for commercial roofs they regularly impose an inspection requirement. Without notification, 7:928 DCC comes into play and the payment under 7:930 DCC may be lower.
The sum insured rises with it
A heat pump, floor insulation and an integrated solar roof increase what it costs to rebuild the property. If the sum insured stays unchanged, you are underinsured and a large claim is settled proportionally.
Inherent defects and installation faults are excluded
If an inverter fails or the mounting turns out to be unsound, that is not an insured loss but a matter for the installer or supplier. Gradual loss of output, wear and manufacturing faults also fall outside buildings cover. Keep the guarantee documents and the installation report.
Liability for panels coming loose
If a panel blows off the roof and damages a car, you are liable as possessor of the structure under 6:174 DCC, even without any blame. For let or commercial property that liability sits in a separate policy.
What to look out for when comparing
- AFM licence — check the provider in the public register
- APR above savings — a promised saving is not an annual percentage rate
- Total cost of credit — the amount over the full term
- Penalty-free repayment — useful if a grant comes through later after all
- Notification of the installation — number of panels, output and installer
- Inspection requirements — on commercial roofs often a condition of cover
This overview is general in nature and is not personal advice.
How it works
- You arrange the finance elsewhereWith a party listed in the public AFM register.
- You tell us about the measuresWhat is coming, how much output and who is installing it.
- We amend the policyThe notification, any inspection requirement and the new sum insured.
- You keep the documentsThe installation report and guarantee documents help when you claim.
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.
Frequently asked questions
The questions we are asked most often about this.
Does Finass Verzekert arrange a sustainability loan?
No. Our licence covers general insurance. Advice on and intermediary services for credit, including green credit, fall under a different category. We refer you to a licensed party and make sure your policy is right as soon as the measures are in place.
Are solar panels automatically included?
Often they are, on the buildings insurance, provided they have been reported and the sum insured is adequate. For commercial roofs and larger installations extra conditions apply, such as an inspection or requirements for the cabling. Check this before the fitter arrives, not afterwards.
What is not covered on a sustainable installation?
Inherent defects, manufacturing and mounting faults, wear and loss of output fall outside cover. Damage from deferred maintenance and intent is excluded as well; the latter follows from Article 7:952 of the Dutch Civil Code. Theft of panels is sometimes covered only where there are signs of forced entry.
Do I have to tell my insurer about a heat pump?
Yes, certainly if the investment noticeably increases the rebuild value or if the unit hangs on the outside wall. The installation may be treated as an outbuilding or as part of the structure, and that differs from policy to policy. Ask about it, and then you have it in black and white.
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Sustainability measures planned?
Report them before the installer arrives; then the cover is in order from day one.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.