Insurance through Hiscox
Some risks call for a policy written on the object or the profession, not on an average. Finass sets that application alongside the regular market before you choose.
- 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 the offerings of several insurers objectively. Hiscox is one of them and is used at two ends of the spectrum: high-value private possessions such as a collection or a home with a great deal of bespoke work, and business service providers that have to cover liability and digital risks. Which insurer it becomes follows from the cover you need and from the conditions.
On the private side the conversation is about the basis of value: valued or not, and what happens once the valuation has expired. That works out at art insurance through Hiscox and in the combined cover for home and art. On the business side it is about the description of activities and the notification basis; see public and employers' liability and cyber.
A specialist policy is a more precise policy, not a wider one. What you buy is a description that fits your object or your work: a valuation instead of an estimate, a description of activities that covers what you actually do, and an area of cover matching where you work or where the object is. That calls for precise information from you. What is insured is set out in the policy conditions and on the policy schedule.
This page deals with one situation. The full overview is on Compare valuables 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 points that work differently on a specialist policy than on a standard product.
The description of activities determines the cover
On business policies the description of your activities is the outer edge of the cover. A claim about an activity that does not fit within it is uninsured, even if the error is unmistakable. If you extend your services, report it. That touches the duty of disclosure in Article 7:928 of the Dutch Civil Code and, if information is withheld, the sanction under Article 7:930 of the Dutch Civil Code.
Claims made: the notification date counts
Liability policies for service providers usually work on a claims madebasis: what matters is when the claim is notified, not when the error was made. When switching or ceasing to trade, a gap therefore arises if prior acts cover or run-off cover has not been arranged. So never cancel an old policy before the new one covers that period.
Area of cover and jurisdiction
Worldwide cover is rarely truly worldwide. Claims under the law or before the courts of certain countries are regularly excluded or limited, and a sanctions provision applies for countries subject to international sanctions. If you work for clients abroad, or part of your collection hangs abroad, check this first.
What even a specialist does not cover
Excluded are intent and wilful recklessness under Article 7:952 of the Dutch Civil Code, administrative fines and penalty payments, and circumstances you already knew about at the outset. On property cover there are also wear, inherent defect and gradual influences. A specialist widens the description, not the law.
What does your premium depend on?
- Nature of the risk: private possessions or professional liability
- Size: the insured value or the annual turnover
- Sum insured and excess: per claim and per insurance year
- Area of cover and jurisdiction: the Netherlands, Europe or wider
- Claims history: earlier claims and circumstances notified
- Retroactive and run-off cover: on switching or ceasing to trade
Insurers weigh these details differently. That is where your saving is.
Where the claim belongs
| Situation | Standard policy | Specialist policy |
|---|---|---|
| A visitor trips in the reception hall of your office and is injured | Yes | Yes |
| A consultancy is held liable because a report contained a calculation error | No | Yes |
| Ransomware brings a software company's customer environment down for two days | No | Provided that |
| An employee drops a client's laptop during an implementation | No | Provided that |
| A collector discovers a crack in a glued panel after moving house | No | Provided that |
| Your own laptop is stolen from the car during a client visit | No | No |
Each of these situations belongs under a different section. The question is not which insurer, but which policy describes the claim.
Frequently asked questions
This is what people ask us most.
When is a specialist policy worthwhile?
As soon as a sub-limit, a description of activities or an area of cover pinches in your situation. If your risk fits within the standard market, that is usually simpler and cheaper. We set both versions side by side and point out which provision makes the difference in your case, so that the choice rests on the conditions and not on a product name.
What does claims made mean for me when I switch?
That a claim coming in now about work done three years ago is covered only if your current policy gives retroactive cover for that period. If you switch, have the new insurer include the earlier period. If you cease trading, run-off cover is needed, because claims can still follow years after the last assignment.
Does Finass remain my point of contact?
Yes. We act as intermediary when the policy is taken out and remain the point of contact for changes, renewal and claims. The insurance contract itself is concluded with the insurer named on the policy schedule. How our service and our remuneration are arranged is described in the service guide.
Can a risk refused earlier still be insured?
Often it can, because acceptance policy differs widely from insurer to insurer. A refusal by one says little about the possibilities at another. You must, though, report an earlier refusal, cancellation or claims history on the new application. That comes under Article 7:928 of the Dutch Civil Code; concealing it creates a bigger problem when you claim than the refusal itself.
Every situation is different. For these situations we have a separate page.