Insurance through Hienfeld
Some risks do not fit a standard application screen. For those cases there are specialist parties that draw up a policy to measure, with their own acceptance and their own conditions.
- 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
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Finass Advies is an independent intermediary and compares several insurers objectively. Hienfeld is one of the parties we work with and operates as an authorised agent: acceptance, drawing up the policy and handling claims are all done there, within the authority granted by an insurer carrying the risk. For you that means shorter lines where a risk calls for a tailored approach, and a policy that does not come from a fixed menu.
The range lies with risks that do not fit an ordinary policy. Think of an instrument insurance for musicians, a art insurance for a collection, a classic car, a pleasure craft or a second home abroad. On the business side it covers, among other things, drones, fraud and deception and cyber.
A specialist policy is not automatically a wider policy. What you buy is a description that fits the object: a valuation instead of a value calculator, an area of cover matching where the object is, and clauses on transport, storage and use. That calls for precise information from you. Exactly what is insured is set out in the policy conditions and on the policy schedule, and here those matter more than with any standard product.
This page deals with one situation. The full overview is on Compare construction all risks (CAR) insurance.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
Insurers
Independent
AdviceWhy 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.
What to look out for
Four features of specialist policies that differ from an ordinary policy.
What working through an underwriting authority means
With an underwriting agent the administration lies with that party, while an insurer carries the risk. The policy schedule states who carries the risk; that matters for the question of whom to approach in a dispute. The complaints procedure and the route to the complaints institute are set out in the conditions and in our service guide.
A valuation instead of an estimate
With art, instruments, classic cars and collections a a valuation report from an expertis used. That fixes the value and prevents argument afterwards, within the limit set by Article 7:960 of the Dutch Civil Code: a payment may not put you in a clearly better position. A valuation has a period of validity; once that expires, you fall back on market value.
Area of cover, storage and use
Specialist policies describe precisely where and how the object may be used and kept. An object kept somewhere other than declared, a vessel outside the sailing area or a classic car used daily for commuting falls outside the description. Almost every policy also has a sanctions clause: no cover in countries subject to international sanctions.
What is not insured here either
On a tailored policy too, intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), war risks and nuclear reactions and damage caused by wear, inherent defect or vermin remain excluded. The same applies to a fall in value through market developments and to damage during restoration or treatment. A specialist widens the description, not the law.
What does your premium depend on?
- Nature of the object or risk: determines whether a tailored approach is needed
- Agreed or evidenced value: the basis for the sum insured
- Use: private, professional or on loan
- Area of cover: the Netherlands, Europe or worldwide
- Safekeeping and security: storage, alarm and climate control
- Excess: often different for each type of event
Insurers weigh these details differently. That is where your saving is.
Where a tailored approach makes a difference
| Situation | Standard policy | Bespoke policy |
|---|---|---|
| Your contents in the living room: sofa, television, clothing and household goods | Yes | Yes |
| A cello that travels daily to rehearsals and performances | No | Yes |
| A drone you use professionally for inspection flights along facades | No | Yes |
| A classic car you drive on a tour in Germany a few times a year | Provided that | Yes |
| A painting you lend to a museum for an exhibition | No | Provided that |
| A watch that slips off your wrist while you are swimming in the sea | No | Provided that |
Anything in the right-hand column calls for the object, its use and where it is kept to be described in advance on the policy schedule.
Frequently asked questions
This is what people ask us most.
Why should I not simply take a standard policy?
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.
Who am I insured with if I take out cover through an underwriting agent?
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.
How often does a valuation have to be renewed?
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.
Can I also put forward a risk that has been refused elsewhere?
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.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Exclusive insurance for unusual possessionsAgreed valuation, sub-limits, prevention clauses
- Art insurance through HienfeldCollection at home, sculptures outdoors, building work
- Musical instrument insurance through HienfeldValuation, transport, climate
- Yacht and pleasure craft insurance through HienfeldBespoke underwriting, classic vessels, abroad
- Musical instrument insurance through Hienfeld
- WEGAS employee injury insurance through HienfeldDirect cover, good employment practice, injury to staff