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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
In structural terms a holiday home is rarely an ordinary house. Timber frame construction, a chalet of light construction or a bungalow standing close to the neighbours: an insurer assesses such a property on construction type, roof covering and the distance to neighbouring units, and only then on floor area.
On top of that, you often own the building but not the land beneath it. The park rules and your ground lease or tenancy agreement determine what you may rebuild after a total loss. That is precisely the question which drives the rebuild value you declare.
If you also want to arrange cover for your belongings, your liability towards guests and the letting, see the holiday home insurance. This page is solely about the building.
The structure of the cover in three parts, with an overview per situation below.
The basis
Rebuild value
What it costs to rebuild the premises.
Not the market value
Not the WOZ value (the Dutch property valuation)
Guarantee against underinsurance
Permanently fixed
What is included
Everything permanently attached to the building.
Building and installations
Outbuildings
Boundary fences
Optional
Extensions
What is excluded as standard.
Glass
Garden landscaping
Inherent defect and foundations
What is covered
Situation
Standard
With extension
Fire, smoke and lightning strike
Yes
Yes
Storm from force 7 upwards
Yes
Yes
Water damage from a burst pipe
Yes
Yes
Glass breakage
Sometimes
Yes
Groundwater coming through the floor
No
No
Wear and deferred maintenance
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Rebuilding within the park rules
On a holiday park it is laid down how large a unit may be, what distance from the boundary applies and sometimes which architectural style is allowed. If your house burns down, you may not always rebuild the same thing. So discuss in advance whether the insurer applies the rebuild value or a market value arrangement where rebuilding on that plot is not permitted. Enclose the park rules and the plot agreement with your application.
Timber construction, thatch and the distance to the neighbours
A timber chalet or a thatched roof changes acceptance: some insurers set requirements for the chimney, the electrical installation or the distance to the neighbouring unit, and others decline the risk. Where houses on a park stand close together, the spread of fire counts heavily. Declare the construction type exactly, including timber cladding and an attached store.
The outdoor space is rarely fully included
A veranda, canopy, decking, outdoor store, hot tub and boundary fencing are subject on many policies to a sub-limit or covered only against fire, not against storm and break-in. Garden landscaping and planting are usually excluded, as are loose garden furniture items. If you want those things included, declare them separately with a description; proving after the event that there was decking there is difficult.
Recreational use is a declaration that must be correct
If you live in the property permanently or someone else is registered there, the reality differs from what you declared at the outset. Article 7:928 of the Dutch Civil Code obliges you to declare those facts; Article 7:930 DCC determines what happens to the payout if that was not done. If the use changes to living there or to letting, notify us in writing and keep the confirmation.
What does your premium depend on?
Construction type of the building. Brick, timber frame construction or a chalet of light construction weigh differently.
Roof covering. Thatch, bitumen or tiles determine the fire risk and sometimes acceptance.
Location. On a park close to the neighbours, or detached in open country with longer response times.
Rebuild value including outbuildings. The store, canopy and decking count towards the sum you declare.
Supervision outside the season. Park management, camera surveillance or a draining service lower the risk profile.
Extensions chosen. Glass, the outdoor store and boundary fencing are assessed separately.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your 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.
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.
That depends on the park rules and the zoning plan, not on your policy. If rebuilding in the same form is not allowed, the question arises whether the insurer pays the rebuild value or applies a market value arrangement. Put that situation forward in advance and have it recorded which basis applies, so that you are not taken by surprise after a loss.
Can I insure a chalet on a rented plot as a building?
Yes, usually you can. You own the unit itself, even though the land belongs to the park owner. What matters is that the insurer knows it is a movable or lightly constructed unit and that the plot is rented or held on ground lease. That combination determines which form of policy and which basis of value fit.
Is the veranda covered by the buildings section?
Only if you declared it and the policy includes outbuildings and extensions. Many policies have a separate limit for canopies and boundary fencing, or cover them only against fire and not against storm. Planting, paving and loose garden furniture almost always stay outside the buildings cover; separate provision is needed for those.
What is the difference from holiday home insurance?
This page is about the building: the structure, the outbuildings and the rebuild value. A holiday home insurance is a package that also covers the contents, your liability towards guests and the letting. If you do not let the property and keep hardly any belongings there, the buildings cover on its own is sufficient.
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.
