What types of insurance are there?
Insurance breaks down into a few main forms, each serving a different purpose.
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Work out for yourself what it would cost.
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- 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
Non-life insurance
These pay for the loss suffered: what you have actually lost. Think of buildings, home contents, motor, liability and business interruption cover.
The payment is never higher than the loss. You may not end up better off.
Fixed-sum insurance
These pay a fixed amount when an event occurs, regardless of the actual loss. Think of personal accident insurance or term life insurance.
That distinction is set out in Article 7:964 of the Dutch Civil Code and it matters: fixed-sum insurance does not replace liability cover.
Healthcare and income
The basic health insurance is compulsory, with voluntary supplementary packages.
With income it is about incapacity for work: for employees through the WIA and supplementary cover, for the self-employed through disability insurance (AOV).
Business
Liability in four forms — AVB, BAV, directors' and officers' and cyber: plus property and continuity: business contents, business interruption, machinery breakdown and transport.
Understanding insurance, without the small print
Policy wording is rarely easy reading. We explain what the terms actually mean, so you can judge for yourself what you need — and what you don't.
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Why 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.
Frequently asked questions
This is what people ask us most.
What is indemnity insurance?
It pays the loss actually suffered. You must not be better off as a result.
What is fixed-sum insurance?
It pays a fixed amount regardless of the actual loss.
Does personal accident insurance replace liability cover?
No; that pays a fixed amount instead of the loss suffered.
Which business liabilities are there?
AVB, BAV, directors' and officers' liability and cyber; they do not overlap.
What covers income for a self-employed professional?
Disability insurance (AOV); employee insurance schemes do not apply to the self-employed.
Where is the distinction set out in law?
Among other places, in Article 7:964 of the Dutch Civil Code on fixed-sum insurance.