The insurance we arrange for you
An overview of the insurance we act as intermediary for, and of the places where two policies meet or in fact leave a gap.
- 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
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
At home it comes down to four blocks. Home: the buildings insurance for the building and home contents insurance for everything loose inside it. Motor: the car insurance and related cover. Liability: the personal liability insurance for damage you cause to someone else. Legal help: the legal expenses insurance for disputes. Anyone combining those four in a insurance packageis left with one renewal date.
For business owners the structure is different. The public and employers' liability insurance covers injury and property damage to third parties, the professional indemnity insurance covers pure financial loss arising from advisory and design work, and the directors' and officers' liability insurance covers directors' personal assets. Alongside these are the business assets themselves: business contents and goods and the business interruption insurance for turnover that comes to a halt. Digital risks belong on a cyber insurance.
Most problems arise not within one policy but between policies. Liability insurance reimburses damage to someone else, never your own loss. Legal expenses insurance conducts a dispute, but does not itself pay compensation. Damage caused by a motor vehicle runs through the compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and not through a liability policy. When putting a portfolio together we pay particular attention to those transitions.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
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.
Where policies meet
Four borderline cases where people assume something is covered while it belongs to another policy.
Buildings and contents: where does the building end
Everything permanently attached to the house falls under buildings. What you take with you when you move falls under contents. With solar panels, a kitchen in a rented home or a veranda you have installed yourself, discussion arises. As the possessor of a defective building you are also strictly liable under Article 6:174 of the Dutch Civil Code, even without fault on your part.
Liability never covers your own loss
Liability insurance only comes into play once a third party holds you liable, usually under Article 6:162 of the Dutch Civil Code. It does not reimburse your own damaged belongings. That requires home contents, buildings or business contents insurance. Damage between insured family members also falls outside cover as a result.
What every policy excludes
Recurring exclusions are those for intent and recklessness (Article 7:952 of the Dutch Civil Code), for war risks and nuclear reactions and for earthquake and flood. Also wear and tear, inherent defect and deferred maintenance fall outside cover virtually everywhere, because that is not a sudden, unforeseen event. Fines and penalty payments are insurable nowhere.
Private or business use
The dividing line between a personal and a commercial policy is use. If you work from home, use the car for the business or store trading stock in the garage, that falls outside personal cover. Report it in advance: under Article 7:928 of the Dutch Civil Code you must answer the questions on the application in full.
What does your premium depend on?
- Type of insurance: the risk of the product determines the base premium
- Sum insured: rebuild value, contents value or turnover
- Type of cover chosen: limited or extended cover
- Excess: a higher excess lowers the premium
- Package discount: several policies with the same company
- Claims history: previous claims count towards acceptance and premium
Insurers weigh these details differently. That is where your saving is.
Which policy picks it up
| Situation | Liability | Legal expenses |
|---|---|---|
| Your son, riding his bike, hits a pedestrian who breaks a wrist | Yes | No |
| Your dog destroys the sofa at the dog sitter's house | Yes | No |
| The contractor leaves your dormer window leaking and no longer responds to your letters | No | Yes |
| An online shop delivers a broken washing machine and refuses to take it back | No | Yes |
| Your employer offers you a settlement agreement after a reorganisation | No | Yes |
| Your own laptop slides off the table and is beyond repair | No | No |
The last row shows why these two policies do not replace one another: your own belongings belong on a home contents or business contents insurance.
Frequently asked questions
This is what people ask us most.
Can I place everything with one insurer?
Often yes, and that provides a discount and one renewal date. It is not an end in itself: sometimes a company will not accept an unusual risk, such as a thatched roof or a business at home. Spreading the risk is then wiser. We assess case by case what works out best and explain the difference before you choose.
Am I insured twice somewhere?
That happens regularly, for example with legal expenses cover running both separately and within a package, or with travel cover already included in a credit card or a continuous policy. Insuring twice does not produce a double payout; indemnity insurance pays no more than the actual loss. A review of your policies removes those duplications.
Which insurance is compulsory?
For a motor vehicle, liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Basic health insurance is compulsory by law. An obligation can also follow from a contract: a mortgage lender requires buildings insurance, and a landlord or client may require liability cover. The remaining insurance is a matter of your own judgement.
What if my situation changes?
Report it. Building work, moving house, moving in together, a new car, taking on staff or a second activity within your business almost always affect one or more policies. An unreported change can lead to a lower payout when there is a claim. We adjust the policies and check whether the sums insured are still right.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- What is insurance?Uncertain event, premium, indemnity
- What are you insured for?A policy per event, overlap, gaps
- Compare NH1816 insurance through FinassIntermediary services, acceptance, sum insured
- The usual personal insurance policiesHome, liability, transport
- Which personal insurance do you need?Home, liability, transport