Indemnity · fixed sums · health · income

What types of insurance are there?

Insurance breaks down into a few main forms, each serving a different purpose.

Deze pagina in het Nederlands: Welke soorten verzekeringen zijn er?.

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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.

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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.

What is covered and what is not

What is covered

Situation	Indemnity insurance	Fixed-sum insurance
Your home burns down and has to be rebuilt	Yes	No
You lose the tip of a finger doing DIY with a circular saw	No	Yes
You die and your partner is left with the mortgage	No	Yes
Your bicycle is stolen at the station	Yes	No
You become unable to work and your turnover as a self-employed person falls away	Provided that	Yes
Your dog bites a passer-by who is injured	Yes	No

Both forms can run alongside each other: a fixed amount from the right-hand column does not replace the payment from the left-hand column.

What types of insurance are there?

Non-life insurance

Fixed-sum insurance

Healthcare and income

Business

Read more

Within Verzekeringen

Similar pages

Service

Frequently asked questions

What is covered and what is not

What types of insurance are there?

Non-life insurance

Fixed-sum insurance

Healthcare and income

Business

Read more

Within Verzekeringen

Similar pages

Service

Frequently asked questions

What is covered and what is not

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