Insurance through Hienfeld

If your situation fits within the standard description, that is fine and usually cheaper. It only pays to go elsewhere once a sub-limit, an area of cover or a provision on use starts to pinch. We set both versions side by side and show which exclusion makes the difference in your case, so that the choice does not rest on a product name.

The contract is concluded with the insurer named on the policy schedule as carrying the risk. The underwriting agent acts on that insurer's behalf and handles acceptance and claims. Finass acts as intermediary and remains your point of contact for changes, renewal and claims. Keep the policy schedule, because it states who is responsible for what.

That is set out in the conditions. A valuation is often valid for a number of years. Once that period expires the binding effect falls away and, if there is a claim, the value at the time of the event applies. For objects whose market value moves, revaluing in good time is the difference between a fixed amount and an argument.

You can. A refusal by one insurer says little about the possibilities at another, because acceptance policy differs widely. You must, however, report an earlier refusal or cancellation on a new application; that comes under the duty of disclosure in Article 7:928 of the Dutch Civil Code. Concealing it leads to problems when you claim that are bigger than the refusal itself.