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.
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 activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A ring is worn, and that makes it different from the rest of your property. It slips off a finger into the water, is left on the edge of a washbasin, disappears from a changing-room locker or is damaged while you are doing odd jobs. A contents policy covers events such as fire and burglary; loss is not among them, even where it happened at home. Valuables insurance exists for that.
That policy works on the basis of comprehensive cover and follows the item: what happens on the way, on holiday, at work and at home is covered, within the agreed territory. Because the ring is named and described on the policy, the question at claim stage is not whether the piece was insured but whether the circumstances are plausible.
If you collect several pieces, or the items form a set with a combined value, a collection policy is more suitable than declaring each ring separately.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
AVB for property damage and injury, BAV for professional errors.
Damage to third parties
Employers' liability
Care, custody and control as an extension
Your business
Assets and continuity
Business contents, goods and lost turnover during downtime.
Business contents at replacement value as new
Goods at cost price
Business interruption or additional costs
If you employ people
Staff
Sickness absence, accidents and the traffic risk.
Continued pay for 104 weeks
Group personal accident
WEGAS for traffic risks
What is covered
Situation
AVB
BAV
Cyber
Injury to a visitor or customer
Yes
No
No
Damage to a client's property
Sometimes
No
No
Financial loss caused by an advisory or calculation error
No
Yes
No
Downtime after a ransomware attack
No
No
Yes
Data breach involving personal data
No
Sometimes
Yes
Damage to property in your care
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Have the value established before anything happens
With a wedding or engagement ring the receipt is kept for years, but it says little after a while. The gold price moves, and the setting and the stone are valued separately. A valuation by a recognised valuer fixes the value within the meaning of Article 7:960 of the Dutch Civil Code, so that there is no argument about what will be paid if the ring is lost. Have the valuation repeated periodically, because an outdated report loses its binding effect.
The setting is the weak point, not the band
Most damage to rings starts with the setting: a claw that bends open, a stone that comes loose and disappears. Insurers therefore look at maintenance. If a stone is lost from a visibly worn setting, or one that had already been condemned, that counts as wear and nothing is paid. Have the setting checked periodically and keep the evidence of that check; it is the difference between a payment and a refusal.
A plausible account of events is a condition of payment
With a loss there are no signs of forced entry and no witnesses. The insurer therefore tests whether your account fits the circumstances: where you were, when you noticed, what you did to find the ring again. Report the loss straight away, report it to the police if theft is plausible, and record the circumstances in writing on the day itself. The duty to notify is set out in Article 7:941 of the Dutch Civil Code.
What ring insurance does not pay for
Scratches, discolouration and the band wearing thin through daily wear are wear and tear and stay outside cover. Damage arising while the ring is with a jeweller or goldsmith for work falls under that professional’s liability and not under your policy. A reduction in value after a repair is not paid, and leaving the ring in an unattended space may count as insufficient care.
What does your premium depend on?
Agreed value of the ring. The amount in the valuation report is the sum insured and therefore the basis for the premium.
Material and type of stone. Precious metal, a set diamond and a fragile coloured stone each carry a different chance of damage and of repair.
Worn daily or only on occasion. A ring you never take off runs considerably more risk of loss and impact damage than a piece kept in a safe.
Area of cover. The Netherlands, Europe or worldwide; travel outside Europe is assessed separately.
How it is kept at home. A certified safe or a monitored alarm system limits the burglary risk while you are not wearing the ring.
Excess chosen. A higher amount that you bear yourself for each event lowers the premium.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your 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.
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.
On valuables insurance it is, because loss is a covered event there and cover continues away from home and while travelling, within the agreed territory. On a contents policy it is not: loss does not feature there as an event at all. Report the loss as soon as possible and describe what happened factually. The insurer mainly tests whether the account fits the circumstances and whether you acted with care.
Do I need a valuation report or is the purchase invoice enough?
For lower amounts, insurers often accept a recent purchase invoice. Above a certain limit a valuation by a recognised valuer is a condition, and that limit differs from insurer to insurer. The advantage of a valuation is that the value is fixed and is no longer disputed if the ring is lost. With an old receipt the value is determined afterwards instead, and that rarely works out in your favour.
Will my ring be replaced or will I be paid in money?
Many valuables policies opt first for repair or replacement through an approved jeweller, and only then for payment in money. With a unique or antique piece, exact replacement is not possible. The valued amount is then paid or an equivalent piece is made. Discuss in advance which route your policy prescribes, because with an heirloom that makes a difference.
Are my other pieces of jewellery insured as well?
Only if they appear on the policy. Valuables insurance works with a specification per item, sometimes supplemented by an unspecified amount for smaller pieces with a maximum per item. If you buy something else, report it within the notification period stated in the conditions. Without notification the new piece falls at best under that unspecified section and not for its full value.
Read more
Within Art on home contents or valuables insurance
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.
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