Start with what you cannot bear · priorities

Which insurance do you really need?

The rule of thumb: insure what you cannot bear yourself, and bear yourself what you can afford to lose.

Deze pagina in het Nederlands: Welke verzekeringen heeft u werkelijk nodig?.

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

Request a quote

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

Almost always worthwhile

Liability. Not compulsory, but personal injury is calculated over the whole of the victim's life and runs into hundreds of thousands or millions. The premium is a few tens of euros a year.

Buildings if you own a home; that is your largest asset and your lender requires it.

Income if you depend on your work. For the self-employed, disability insurance (AOV); for employees, a top-up to the WIA.

Usually worthwhile

Home contents. Work out what it costs to buy everything again. For an average family that is soon over forty thousand euros.

Legal expenses if you run a risk of disputes with a landlord, employer or contractor.

Depending on your situation

Travel if you travel more than three weeks a year; valuables if you own more than the sub-limit on your contents policy; term life if there are people who depend on your income.

What you can skip

Small product warranties and cover for amounts you can comfortably afford to lose. Anyone who can easily bear an excess of five hundred euros does not need cover for losses of two hundred.

Within Inboedelverzekering

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Frequently asked questions

This is what people ask us most.

What is the rule of thumb?

Insure what you cannot bear yourself; bear yourself what you can afford to lose.

Which is the most important?

Liability; the risk is out of all proportion to the premium.

Do I need home contents insurance (inboedelverzekering)?

Usually yes; work out what it costs to buy everything again.

When is travel insurance worthwhile?

Beyond about three weeks of travel a year, annual cover pays off.

What can I skip?

Cover for amounts you can comfortably afford to lose.

What if I am self-employed?

Then disability insurance (AOV) counts for most.

What is covered and what is not

Bear it yourself or insure it?

Situation	Bear it yourself	Insure it
An injury claim after your dog knocks a cyclist off their bike	No	Yes
Two years without income after a back injury as a self-employed person	No	Yes
A fire that destroys the structure of the home you own	No	Yes
A washing machine that gives up after eight years	Yes	No
A phone that falls out of your coat pocket in the street	Yes	No
Theft of an electric bicycle worth three thousand euros	Provided that	Provided that

If the left-hand column says Yes, you are paying premium for an amount you can already afford to lose.

Which insurance do you really need?

Almost always worthwhile

Usually worthwhile

Depending on your situation

What you can skip

Read more

Within Inboedelverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

Which insurance do you really need?

Almost always worthwhile

Usually worthwhile

Depending on your situation

What you can skip

Read more

Within Inboedelverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

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