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- Buildings cover for the structure
- Home contents cover for your belongings
- Glass and valuables as an extension
- Each with its own sum insured
Insurance package for private individuals
A package brings your private insurance together on one policy schedule. That saves administration and premium, but it changes nothing about what each policy covers on its own.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
An insurance package is not a product in itself. It is a administrative bundling: home contents, buildings, liability, legal expenses, motor and travel appear as separate sections on one policy schedule, with one payment date and one point of contact. The insurer rewards that bundling with package discount, which usually rises as you place more sections with them.
What matters is what the bundling does not do. Each section keeps its own policy conditions, own sum insured and own excess. A claim is assessed on the conditions of that one section, not on those of the package. A discount therefore adds no cover: a package with a limited home contents section remains limited home contents cover.
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We compare your insurance package across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What is in a private package
Most packages are built from three groups of sections that you combine yourself.
Transport sections
Car, motorcycle, caravan and trailer on the same policy schedule.
- Third-party liability is required by law, Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Own-damage or third-party, fire and theft cover is a choice
- Separate no-claims years for each vehicle
- The no-claims scale continues to apply per section
Liability and law
Cover for damage you cause to others and for disputes.
- An AVP for the whole family
- Legal expenses cover with its own modules
- Annual travel and cancellation cover
- A waiting period on legal expenses cover is usual
What is covered
| Situation | Separate policies | In a package |
|---|---|---|
| One policy schedule and one payment date | No | Yes |
| A discount that rises with the number of sections | No | Yes |
| Each section keeps its own conditions and excess | Yes | Yes |
| Ending one section without affecting the rest | Yes | Provided that |
| Wider cover than the same policy taken separately | No | No |
| Health insurance forms part of it | No | No |
What is actually covered in each section is set out in the conditions and on the insurance card (verzekeringskaart) for that section.
What does your premium depend on?
- Number of sections: determines the package discount
- Sums insured: rebuild value and contents value
- Types of cover: limited, extended or comprehensive
- Postcode area: burglary, storm and water risk
- Excess per section: higher amount, lower premium
- Claims history: previous claims count
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
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.
9.5New policy
9.8Claims handling
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.
What to watch for with a package
Two things that are often overlooked when bundling.
A discount does not change the conditions
The exclusions remain in place for each section. Not covered are, among other things, wear, deferred maintenance and inherent defect, damage caused by war risks and nuclear reactions, and damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. Limits also apply per section, for example for jewellery, audiovisual equipment or damage in the garden. If you cancel a section, the discount on the remaining sections may fall.
Report changes for each section
The duty of disclosure under Article 7:928 of the Dutch Civil Code applies to each section separately. Letting a room, running a business from home, prolonged vacancy, a refurbishment or a new driver changes the risk and must be reported. If a loss occurs, report it as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires. A package does not release you from those duties. It only makes reporting easier.
Frequently asked questions
This is what people ask us most.
Does a package always mean a lower premium?
Not automatically. The package discount applies across the sections together, but an insurer that is keen on a single section may still be better value on its own. So work out the total, including policy charges and insurance premium tax, and only then compare the conditions. A discount on cover that is too limited is not a saving.
Can I cancel one section on its own?
Usually yes, but it affects the rest. Each section has its own contract term and the package discount depends on the number of active sections. If you drop below the threshold, the discount on the remaining policies falls. So ask in advance what cancelling a section does to the total premium.
Is health insurance included in the package?
No. Health insurance is a separate, statutorily regulated insurance under the Dutch Health Insurance Act and runs through a health insurer with its own policy and its own statutory excess. It does not fall under a private general insurance package and does not count towards the package discount either.
What happens with a claim on one section?
The insurer assesses that claim solely on the conditions and the excess of the section concerned. The other sections simply continue unchanged. A claim can, however, be taken into account at the annual review of the whole package, for example in the pricing or in the conditions at renewal.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- The personal insurance packageOne policy schedule, sections, package discount
- The home package for private clientsBuildings, contents, liability
- Compare personal insurance packagesOne policy schedule, package discount, one point of contact
- Other insurance not included: what is not in your package?Package policy, separate policies, gaps in cover
- Home packageBuildings, contents, the fit between them
- Insurance package for self-employed professionals (zzp'ers)AVB, BAV, AOV and business contents
- SME insurance packageAll sections, one policy, package discount
Read more
Would you like your policies reviewed?
Request a quotation without obligation. We compare premium and conditions section by section.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.