Application and fact-finding
- An online form for each type of insurance
- Your wishes and needs established
- Questions about claims history and use
- Additional documents where needed
Applying online · advice · AFM authorisation
Finass Verzekert and taking out insurance online
What happens between your online application and a policy in force, and at what moment you are actually covered.
- 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: Finass Verzekert en online verzekeren.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This page is about the channel: applying through the site, supplying details and documents digitally, and receiving the policy digitally. Who we are, under which authorisation we work and how we are remunerated is set out on about us. Here you can read how the route from application to policy works and which moments in it are decisive.
The most important of those moments: an application sent is not cover. Between your application and the start date sits acceptance by the insurer. The insurer may ask further questions, request a cancellation statement or decline the risk. A premium shown by the calculator is an indication based on what you enter. The final rate only follows from acceptance. So never cancel your old policy before the new one has been confirmed in writing.
Applying digitally changes nothing about your own obligations. The duty of disclosure under Article 7:928 of the Dutch Civil Code applies in full and is if anything sharper with an online form: you tick the boxes yourself, without anyone reading along. A concealed claims history, letting, letting rooms, business use or a business at home can later reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code). You report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
How an online application works with us
Three steps between your application and a policy that fits your situation.
Comparison and proposal
We place premiums and conditions from several insurers side by side.
- An objective analysis of what is on offer
- Comparison on conditions, not on premium alone
- An explanation of exclusions and limits
- You decide yourself what to take out
Taking out cover and administration
We arrange the switch and remain your point of contact for changes or claims.
- Cancellation with your current insurer
- Digital policy and insurance card (verzekeringskaart)
- Reporting changes through your adviser
- Support when you report a claim
What is covered
| Situation | Online by yourself | Online with advice |
|---|---|---|
| You complete the application digitally | Yes | Yes |
| Your wishes and needs are established | No | Yes |
| Conditions from several insurers compared | No | Yes |
| Cancellation of the old policy arranged | No | Yes |
| Support when you report a claim | Provided that | Yes |
| We decide on acceptance or payment | No | No |
What we do for you, which services are not included and how we are paid is set out in the service guide (dienstenwijzer).
Where our role ends
Two points that determine what taking out cover online does and does not solve.
Applying, being accepted and starting are three different moments
An online application is a request. The cover only begins on the start date shown on the policy schedule, after the insurer has accepted it. Some insurers grant provisional cover for certain products, others do not. Ask about this explicitly if you are collecting a car or taking possession of a home shortly. Anything that happens to you in the meantime is not automatically covered by the new policy, nor by the old one if you have already cancelled it.
An indicative premium is not an offer
The calculator works with the details you enter: postcode, value, excess and the form of cover chosen. The insurer then checks the claims history, earlier cancellations and sometimes the payment history. That can lead to a different rate, a higher excess or an additional clause. If the proposal differs from the indication, it should come with an explanation of which detail causes that difference. Ask for that explanation, because it can usually be traced back to a single entry.
Conditions and insurance card in advance, not afterwards
You should receive the policy conditions and the insurance card before you take out the cover, and in a form you can keep. On a digital route that means: as a file, not as text on a screen that then disappears. Keep them with your policy schedule. When you claim, it is not the website that is assessed but the document that applied on the start date, including the clauses stated on your policy schedule.
A consumer policy taken out at a distance carries a cooling-off period
If you take out insurance as a consumer without meeting the adviser in person, you have a statutory cooling-off period during which you can withdraw from the contract. That period runs from the moment you received the conditions. It does not apply to all products and not to business customers. If you want to use it, do so in writing and make sure that no gap in cover arises in the meantime with the policy you have already cancelled.
What we do not do
We are not an insurer and therefore do not decide on acceptance, premium or payment of claims. We advise solely on non-life insurance; for mortgages, pensions, investments and financing we refer you elsewhere. If you choose execution only, you take out cover without advice and we do not check whether it fits. The information on this website is general in nature and is not personal advice.
What does your premium depend on?
- Completeness of the application. Missing or unclear entries lead to follow-up questions, a reservation or a higher rate at acceptance.
- Claims history and cancellation statement. The insurer checks earlier claims and the reason your previous policy ended.
- Type of cover chosen. Limited, extended or comprehensive. The choice you make in the form determines most of the rate.
- Sums insured and excess. The amounts you enter yourself and the excess you choose feed straight through into the premium.
- Start date and term. A later start date may be needed to bridge a notice period. That also moves the premium renewal date.
- Payment frequency and bundling. Paying annually and placing several policies with one insurer count towards the final 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, 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.
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
This is what people ask us most.
Am I insured as soon as I have sent the form?
No. An application is a request. The cover begins on the start date shown on the policy schedule, after the insurer has accepted it. Provisional cover is possible with some products, but that is not the rule. If you need the car or the home sooner, say so when you apply so that we can have it confirmed from what moment you are actually covered.
Why does the proposal differ from the premium in the calculator?
Because the calculator works with what you enter and the insurer then checks it. An earlier claim, a cancellation, unusual use or a postcode that falls just inside another class changes the rate. A clause may also be added, for example about security. Ask for the reason; it can almost always be traced back to a specific detail in your application.
What happens to my old policy?
We cancel it as soon as the new one is in place, so that no gap arises and you do not pay twice. Most general insurance policies can be cancelled on any day after the first year with one month's notice, but there are exceptions with a longer term. Do not cancel anything yourself before the new policy has been confirmed in writing; otherwise you will be uninsured in the meantime.
Can I take out cover online without advice?
You can, on an execution-only basis. We then do not establish your wishes and needs and do not check whether the cover fits your situation. You make that assessment yourself. If you do opt for advice, an adviser goes through the conditions, the exclusions and the sums insured with you before you sign. Both routes run digitally and do not differ in premium.
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Prefer to speak to an adviser first?
Request a quote without obligation. You will speak to an adviser who then continues to follow your file.
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.