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Lowest price warranty
Largest offer
Direct response
High package discount
Help with damage
Personal contact
100% independent

50 yr expertise

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Insuring Wine – Protect Your Wine Collection Against Damage and Loss


Are you a wine lover, collector, or owner of an exclusive wine cellar? Then you know that a good bottle of wine represents not only taste but also value. Whether it's rare vintage wines, a growing private collection, or business storage, wine insurance offers protection against damage, theft, and loss. This way, the value of your wine collection is preserved – no matter what happens.

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  • Premium & Quotation

  • Advice

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Quick start

  • Provisional coverage possible
  • personal advice
  • Response within 1 working day
Quotation & Premium

Insuring Wine – Protect Your Wine Collection Against Damage and Loss


Are you a wine lover, collector, or owner of an exclusive wine cellar? Then you know that a good bottle of wine represents not only taste but also value. Whether it's rare vintage wines, a growing private collection, or business storage, wine insurance offers protection against damage, theft, and loss. This way, the value of your wine collection is preserved – no matter what happens.

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  • Premium & Quotation

  • Advice

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Quick start

  • Provisional coverage possible
  • personal advice
  • Response within 1 working day
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Want to insure wine?

Calculate

Why insuring your wine is important

Standard home contents insurance usually doesn't offer full coverage for valuable wine collections, especially in the event of damage due to leakage, temperature fluctuations, or transport. With specialized valuables or wine insurance, your collection is well-insured.

Coverage for damage due to fire, water damage or temperature loss
Protection against theft or burglary – Also when stored away from home
Insurance during transport or storage – Ideal for removals or deliveries
Compensation based on appraised value – This way you get the real value back in case of loss

Whether you invest in wine as a passion or as an investment, wine insurance offers security for the future.

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compare valuables insurance with all insurers, so you get the best and most competitive premium valuables insurance

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Who is wine insurance suitable for?

Private wine collectors – With a valuable private collection at home or in storage
Wine merchants and importers – Who want to protect their stock against damage or theft
Wine cellars in restaurants and hotels – Where storage conditions are crucial
Wine investors – For whom wine is not only a pleasure, but also an investment

Tips for taking out wine insurance

✅ Have your wine collection appraised to determine its current value
✅ Check whether the coverage also applies in the event of a temperature drop or power outage
✅ Keep purchase receipts, auction documents and photos for your records
✅ Check whether transport, storage locations and cellar areas are covered
✅ Consider valuables insurance if you also have art, jewellery or other valuable possessions

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Insure your wine through Finass Verzekert

Want to optimally protect your wine collection ? At Finass Verzekert, we help both private collectors and businesses with customized insurance policies for wine and other valuables. We compare different insurers and ensure you get the best coverage and the most competitive premium .

👉 Request a free quote today and insure your wine properly through Finass Verzekert – the specialist in insuring valuable possessions.

Read more …Insuring wine

Building insurance VvE – Building for Owners' Association | Finass Insures

Building insurance for homeowners' associations

Enjoy worry-free insurance as an Owners' Association. Finass Verzekert arranges the correct rebuilding value , suitable shared building/contents , and additional modules such as glass , storage , environmental damage , and Owners' Association liability . Always with clear terms and conditions and a competitive premium.

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Which coverage suits your homeowners' association?

Building insurance (VvE)

Covers damage to the building (e.g., fire, storm, water damage) based on the rebuilding value. Includes common areas and fixed installations.

Glass (co-insurance)

Coverage for glass breakage in homes and common areas, including skylights where applicable.

Directors & Liability VvE

Liability for the homeowners' association (VvE) and its (co-)directors. Essential for decision-making, maintenance, and liability claims.

Environmental damage / clean-up costs

Supplement for environmental damage and clean-up costs, for example after a fire or leak.

Legal assistance VvE

Legal assistance with disputes with suppliers, contractors, or members; including contract and damages matters.

What determines the premium for a VvE building insurance policy?

Reconstruction value & year of construction

The correct rebuilding value prevents underinsurance. Year of construction and material (wood/concrete) are taken into account.

Destination & use

Residential, retail, or short-stay? Vacancy and rentals (e.g., Airbnb) also influence risk and premium.

Maintenance & MJOP

A current multi-year maintenance plan and prevention limit damage and help lower the premium.

Claims & deductible

Claims history and chosen deductible are important premium determinants.

Location & installations

Postal code, fire compartmentation, elevators, solar panels, charging stations and roof type play a role.

Prevention & maintenance

Fire & electricity

NEN inspections, smoke/fire detectors, compartmentalisation and maintenance of meter cupboards and PV installations.

Water & leakage

Periodic roof inspections, clean rainwater drainage, sealing joints in order, and monitoring for leaks.

Safety & Liability

Fall protection, maintenance of lifts and playground equipment, clear house rules and logbook.

Additional modules

Glass insurance

Extensive glass coverage including shared frames/domes.

Environmental damage

Remediation/cleanup after fire or leak; also in case of contamination by third parties (where covered).

Liability VvE

Coverage for damage to third parties caused by building or VvE activities.

Directors' liability

Personal liability of management for errors or negligence.

Legal counsel

Legal support for contracts, construction, neighbour law and debt collection.

Frequently Asked Questions

What is the difference between building insurance and VvE building insurance?

A VvE building insurance is a building insurance that is tailored to apartment rights and common areas, including installations and sometimes glass/clean-up costs.

How do we determine the correct reconstruction value?

We use appraisals/reconstruction value meters and check the year of construction, materials, square meters, and installations. This prevents underinsurance.

Are solar panels and charging stations covered by insurance?

Yes, if specified. Solar panels and charging stations are generally covered by comprehensive insurance/building insurance. Terms and conditions may vary by insurer.

Is glass covered by building insurance?

Glass is often optionally included in the insurance. A separate glass module can provide broader coverage.

How quickly will we receive a proposal?

Typically within one business day. For complex homeowners' associations, additional information may be required.

Request your no-obligation quote

We compare multiple insurers and ensure the right conditions for your complex.

To the application form

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Read More ... VVE Storage Insurance

Truck insurance – Third-party liability, third-party liability+, or comprehensive | Finass Verzekert

Truck insurance

Business insurance with third-party liability , third-party liability + limited coverage, or comprehensive coverage . For distribution, construction, logistics, and international transport. Finass Verzekert compares multiple insurers for the best price and terms.

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Which coverage suits your truck?

WA (Third Party Liability)

Mandatory. Covers damage to third parties (persons/property) caused by your truck.

Third party liability + Limited Casco

Fire, theft/burglary, storm/hail, and window damage. A popular choice for young, used trucks.

Fully comprehensive (all-risk)

Also includes own damage (collision, vandalism). Recommended for new or highly valued vehicles.

What determines the premium?

Vehicle data

Type (rigid truck/tractor), weight (GVW), year of manufacture, catalogue or current value and structure (crane/refrigerated).

Use & routes

National or international transport, mileage, ADR/exceptional, distribution or construction logistics.

Drivers & claim-free years

Experience and level influence the premium. A good claims history results in a discount.

Security

SCM/CCV alarm, immobilizer or track & trace may be mandatory and help reduce the premium.

Coverage & supplements

Third-party liability/Limited Casco/Comprehensive insurance plus modules such as SVI, legal assistance, and cargo/goods.

Damage & no-claim

Report damage

24/7 reporting. We engage repair/experts and coordinate with the other party.

Step & relapse

Damage affects your no-claims policy. You may sometimes have to pay for minor damages yourself to reduce your future premium.

Own risk

Opt for a lower premium. The amount and terms vary by coverage and insurer.

Theft & total loss

( WA+ ) covers fire, theft, and glass. Comprehensive insurance also covers personal damage. Consider the (new) value scheme.

Accessories & construction

Want to insure your refrigeration system, loading crane, or superstructure? This is possible through comprehensive insurance/additional coverage; check your policy.

No-claim protection

Sometimes possible: protects discount for one claim per year (conditions vary).

Additional coverage

SVI (occupants)

Compensates for injury and property damage to the driver and passengers, even if they are at fault.

Legal assistance traffic

Legal assistance with claims and disputes concerning liability or contracts.

Cargo/goods

Coverage for transported goods (national/international). Tailored to your industry.

Roadside assistance (EU)

Roadside assistance. Optional replacement transportation and repatriation where possible.

Trailer/semi-trailer

Specific cover for semi-trailer/trailer if required.

Branches & profiles

Distribution & couriers

Short routes, many stops: different risks → tailor-made premium.

Construction & crane

Construction, hoisting work and work equipment: additional conditions may apply.

Cooled and conditioned

Coordinate refrigeration system/temperature risks in hull and cargo.

Frequently Asked Questions

Is truck insurance mandatory?

Yes. Every truck on public roads must have at least third-party liability insurance.

Am I insured abroad?

Usually, yes; this depends on the coverage and countries you choose. We'll discuss this with you in advance.

Can I cover multiple trucks on one policy?

Yes, through fleet insurance. Useful for growth or seasonal use.

How quickly will I be insured?

Often the same working day with provisional coverage once everything has been approved.

Are accessories/superstructures also insured?

Yes, often through hull insurance or additional clauses. Please specify your structure/accessories when applying.

Request your no-obligation quote

We compare multiple insurers and arrange everything quickly and clearly.

To the application form

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Read more ... truck insurance

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Railway security officer


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Railway Security Officer Liability Insurance – Security for High-Risk Work


Do you work as a railway security officer or are you active in the railway industry? Then you know the extent of your responsibility. You work in an environment where safety, timing, and precision are vital. A single mistake or minor accident can lead to significant damage or injury. With (business) liability insurance for railway security officers, you protect yourself or your company against the financial consequences of claims.

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[link]
  • Premium & Quotation

  • Advice

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Quick start

  • Provisional coverage possible
  • personal advice
  • Response within 1 working day
Quotation & Premium

Railway Security Officer Liability Insurance – Security for High-Risk Work


Do you work as a railway security officer or are you active in the railway industry? Then you know the extent of your responsibility. You work in an environment where safety, timing, and precision are vital. A single mistake or minor accident can lead to significant damage or injury. With (business) liability insurance for railway security officers, you protect yourself or your company against the financial consequences of claims.

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  • Premium & Quotation

  • Advice

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Quick start

  • Provisional coverage possible
  • personal advice
  • Response within 1 working day
.
Insure?

Calculate

Why liability insurance for railway security guards is essential

As a railway security officer, you often work on or around the tracks, during maintenance, work, or events. This puts you at risk of:

Damage to client property – For example, if equipment or track components are damaged.
Personal injury to third parties – When someone is injured as a result of your work.
Financial loss due to errors or negligence – For example, if danger is not identified promptly or incorrect safety measures are taken.

Liability insurance covers these risks so that you or your company do not have to bear the costs yourself.

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We (Finass Verzekert) compare liability insurance policies liability insurance from us.

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What does liability insurance for railway security guards cover?

A good (business) liability insurance for railway safety provides cover for:

🔹 Damage to third parties (persons and property) – Both material and personal injury.
🔹 Legal costs and defense – In the event of liability claims or disputes.
🔹 Damage caused by employees or hired personnel .
🔹 Extension possible with professional liability – For financial damage due to errors in safety planning or coordination.

Some clients even require liability insurance before you can carry out work on or around the track.

Who is this insurance suitable for?

Independent railway security professionals (ZZP'ers) – Who carry out assignments for ProRail, contractors, or security companies.
Security companies active in the railway sector – With multiple employees on-site.
Freelancers in rail safety and supervision – Who work on maintenance projects or track maintenance.
Advisors or planners in rail safety – Who also want to cover financial risks.

Tips for taking out liability insurance for railway security guards

✅ Check whether your policy covers work on and around the railway .
✅ Consider additional professional liability insurance if you also provide safety plans or coordination.
✅ Choose an insured amount that matches the risk of your work (a minimum of €2,500,000 is often recommended).
✅ Compare insurers with experience handling higher risks in the railway sector .
✅ Request a customized quote from an advisor with expertise in railway safety.

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Railway Security Officer Liability Insurance via Finass Verzekert

Do you work as a railway security officer and want to be sure you have the right coverage? At Finass Verzekert, we help you with independent advice and compare insurers specializing in high-risk professions like railway safety. This way, you're guaranteed the best premium and the right protection.

👉 Request a free quote today for your (business) liability insurance for railway safety and work with peace of mind towards a safe railway environment.

Read more …Liability insurance for railway security guards




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