What we do not do
- No credit or mortgages
- No investment advice
- No health insurance
Financial matters: what we do and do not do
A financial product always needs a licence holder. Here you can read which part we do for you, which part we do not, and what to look out for with the rest.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Finass Verzekert holds an AFM licence for non-life insurance, number 12016589. We advise and act as brokers on housing, motor, liability, legal and business risks. That is the area in which we may make a proposal and for which you can hold us to account.
Consumer credit, mortgage credit, investing, pensions and health insurance fall under other licence categories. We do not advise on them and do not broker them. Where those subjects come up on this site, we explain how they work and refer you to a firm that holds the appropriate licence.
Two rules of thumb run through all those products. Please note: borrowing money costs money: compare credit on the annual percentage rate and not on the monthly payment. And with investing: returns are not guaranteed and you may lose your money.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
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Who does what in your financial affairs?
The division of roles between us and firms with a different licence.
What to look out for
What a provider must show you in any event.
- Licence and register
- Total costs
- Conditions in writing
What we do provide
What you can come to us for.
- Home and traffic
- Liability and law
- Business and property
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Advice on a loan or revolving credit | No | Yes |
| Advice on a mortgage for your own home | No | Yes |
| Investment advice and asset management | No | Yes |
| Broking on health insurance | No | Yes |
| Advice on personal non-life insurance | Yes | No |
| Business insurance and property policies | Yes | No |
This overview is general in nature and is not personal advice. It only says who may offer which product.
What to look out for when comparing
- The provider's licence: check the name and number in the AFM's public register
- What it costs per year: for credit the APR, for investing the total annual costs
- Term and flexibility: can you repay early, cancel or adjust during the term without penalty
- Assessment and registration: a BKR check and an income assessment are part of a serious provider's process
- Conditions in writing: ask for the policy conditions, insurance card (verzekeringskaart) or credit information before you sign
- How to complain: is the firm a member of Kifid (the financial services complaints institute), so that you have somewhere to turn
This overview is general in nature and is not personal advice.
How it works
- You decide which product it concernsInsurance, credit, a mortgage or an investment: each has its own licence holder.
- You check the providerLook up the name and licence number in the AFM's public register.
- You request the documents in advanceThe conditions, costs and complaints route should be on paper before you sign.
- We arrange your insuranceFor your home, your vehicles, liability and your business, you have come to the right place.
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.
Where things go wrong in practice
Four misunderstandings we often come across with financial products.
An adviser may not advise on everything
The Dutch Financial Supervision Act divides advice into categories. Being permitted to advise on general insurance does not mean being permitted to advise on credit or investments. So always ask what a firm is registered for. That is stated in the AFM public register and in the service guide. A firm that says it can arrange everything deserves checking.
Compare on cost per year, not on the monthly payment
For credit, the annual percentage rate (APR) converts interest and costs into a single figure per year, which makes offers comparable. The monthly payment is not: it falls automatically as the term lengthens, while in total you pay more. Also look at the total cost of credit over the whole term.
An assessment is part of it, even when it is inconvenient
Every licensed credit provider consults the BKR for credit from € 250 with a term longer than one month, and assesses whether the payments are affordable. Firms claiming it can be done without that check generally do not hold the licence. A refusal is information about what you can afford, not an obstacle to be got round elsewhere.
Insurance starts with honest disclosure
A duty of disclosure applies when taking out insurance: 7:928 DCC. If you fail to disclose a criminal record, earlier claims or the actual use of your premises, the insurer may reduce or refuse the payout under 7:930 DCC. Damage caused intentionally is never covered under 7:952 DCC.
Frequently asked questions
This is what people ask us most.
What is Finass Verzekert licensed for?
For advice and broking on general insurance, under AFM number 12016589. That covers, among other things, home, contents, liability, motor, legal expenses and business policies. Credit, mortgages, investing, pensions and health insurance fall under other categories; for those we refer you to a firm registered for them.
Why can you not simply advise on everything?
Because the Dutch Financial Supervision Act makes advice subject to a licence per product group. Each category has its own requirements for professional competence, information provision and assessment. Advising without the appropriate licence is prohibited and would also deprive you of the protection that goes with that product, such as the statutory credit information or the knowledge test for investing.
What does your advice on insurance cost?
For general insurance we receive commission from the insurer, built into the premium. You pay no separate advice fee. Before taking out cover we establish your wishes and needs and explain which exclusions matter. Our service guide describes this. You will find it at the foot of every page.
Do you receive anything if I click through to another firm?
That is possible. Where we refer you to an external provider, a fee is sometimes payable if you submit an application there. We collect no data ourselves in doing so, do not compare those products and recommend no particular provider. You are always free to choose a different provider yourself.
Where can I go with a complaint?
First with us; if we cannot resolve it together, then with Kifid, of which we are a member under number 300.012144. For a product you have taken out with another provider, that firm's complaints procedure applies. So check in advance whether that provider is also a member of a disputes body.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Investing: we refer you onNo investment advice, Returns not guaranteed, We insure
- Refinancing a loan: we refer you onPlease note: borrowing money costs money, APR, Outstanding balance and term
- Consumer credit: we refer you onPlease note: borrowing money costs money, APR, BKR check
- Borrowing money: we refer you onPlease note: borrowing money costs money, APR, BKR check
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
- Personal loan: we refer you onPlease note: borrowing money costs money, Fixed interest, BKR check
Read more
Is your insurance in order?
We compare several insurers on premium and conditions and explain which exclusions matter.
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.