Named perils
- Fire, storm, water, burglary, collision
- If the cause is not listed, there is no cover
- Clearly defined and cheaper
- Accidents you cause yourself fall outside it
When are you really insured?
Whether something is insured rarely follows from the name of the policy. Below you can read where to find the answer and which limits appear in almost every policy.
- several insurers compared objectively
- 9.5 customer rating for a new policy
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- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
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 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
Insurance does not cover possessions, but events. That difference explains most disappointments. Home contents insurance (inboedelverzekering) does not simply cover your television. It covers fire, burglary, storm and water, and only under comprehensive cover does it also cover the set that falls off the cupboard. So the first question is never 'is this object insured', but 'what caused the damage, and is that cause in my policy'.
The answer is in three places, in this order. The policy schedule states who and what are insured, which form of cover applies, the sums insured, the excess and the clauses included specifically for you. The policy conditions describe the cover, the exclusions and your obligations. The insurance card (verzekeringskaart) is a compulsory one-page summary, useful for comparing policies but not decisive when you claim. If a clause on the policy schedule differs from the general conditions, the clause takes precedence.
Also note three limits that sit alongside the exclusions. A sum insured: if it is too low, underinsurance arises and less is paid, in proportion. A sub-limit: a separate, much lower amount for jewellery, audiovisual equipment, money or possessions away from home, for example, which often applies per event. And the excess, which differs from one policy to another and sometimes by type of damage. All three can mean that an insured loss is still only partly paid.
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We compare your contents insurance 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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Two ways in which cover is described
Almost every general insurance policy is built on either named perils or an all-risks formula.
Comprehensive
Everything is covered except what is expressly excluded.
- Including sudden accidents you cause yourself
- The list of exclusions becomes decisive
- Higher premium than named perils
- Wear and tear remains excluded here too
Amounts and excess
Even within the cover there is a maximum and a part you bear yourself.
- Sum insured per policy
- Sub-limits per category or event
- Excess per claim
- A guarantee against underinsurance makes a difference
What is covered
| Situation | Named perils | Comprehensive |
|---|---|---|
| Fire, storm and water damage | Yes | Yes |
| Theft after forced entry | Yes | Yes |
| Dropping or knocking something over yourself | No | Yes |
| Disappearance with no identifiable cause | No | Provided that |
| Damage to possessions away from the home | Provided that | Provided that |
| Wear and tear, mould and deferred maintenance | No | No |
If in doubt, the policy schedule with its clauses governs, then the policy conditions. The insurance card (verzekeringskaart) is a summary.
What does your premium depend on?
- Type of cover: named perils or comprehensive
- Sum insured: the basis on which the premium is calculated
- Excess: higher amount, lower premium
- Extensions: glass, valuables, away from home
- Prevention: locks, alarm, smoke detectors
- Claims history: earlier claims and refusals
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.
Two points that determine whether you are genuinely insured
Cover depends not only on the conditions, but also on what you declared and reported yourself.
What you declared determines what you receive
On taking out insurance, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code: you answer the insurer's questions truthfully. If it turns out afterwards that you withheld something the insurer should have known — a previous claims history, room letting, a business at home, a criminal record. The payment can be reduced or lost entirely under Article 7:930 of the Dutch Civil Code. The same applies to changes during the term: building work, a vacancy, solar panels or a different use. Also relevant are loss prevention requirements: if the policy requires approved locks and fittings or a periodic inspection, complying with them is part of the cover.
Exclusions you will find in almost every policy
Whatever the form of cover, certain causes remain outside it. Excluded are intent and recklessness through Article 7:952 of the Dutch Civil Code, damage caused by wear and tear, ageing, deferred maintenance and defects in construction or materials, and gradual ingress of moisture, mould and vermin. There are also standard exclusions for nuclear reactions and war risks, and flooding caused by the failure of a primary flood defence is not covered on ordinary home policies. Business use that has not been reported falls outside a private policy. Finally, in the case of deliberate deception when claiming, an insurer can withdraw the entire right to payment, even if the loss itself was covered.
Frequently asked questions
This is what people ask us most.
Where exactly does it say what is insured?
The policy schedule states who and what are insured, with which form of cover, the sums insured, the excess and the clauses. The policy conditions describe the cover and the exclusions in detail. The insurance card (verzekeringskaart) summarises that on one page. Where they differ, a clause on the policy schedule takes precedence over the general conditions. The insurance card is not decisive when you claim.
Does comprehensive cover mean that everything is insured?
No. Comprehensive cover reverses the approach: instead of a list of covered causes there is a list of exclusions. Wear and tear, deferred maintenance, construction defects, intent and gradual damp remain excluded under comprehensive cover too, and sub-limits and the excess apply in full. What comprehensive cover mainly adds is sudden damage you cause yourself.
What is a sub-limit and why is it disappointing?
A sub-limit is a separate, lower amount within the sum insured, for jewellery, audiovisual equipment, money or possessions away from the home, for example. It usually applies per event, not per item: if five pieces of jewellery are lost in one burglary, you receive that amount once. If what you actually own is worth more, you need valuables insurance.
What can I do if a claim is refused?
First ask in writing for the reason and the provision the refusal is based on. If you disagree with the amount assessed, you can instruct your own loss adjuster. If you still disagree with the insurer, you first put the matter to its internal complaints procedure and then to Kifid (the financial services complaints institute) or the courts. We support you through those steps.
Every situation is different. For these situations we have a separate page.
- Compare home contents insurance (inboedelverzekering)The main page
- What is the cheapest home contents insurance (inboedelverzekering)?Premium, excess, limits
- Is there such a thing as the best and cheapest home contents insurance (inboedelverzekering)?Contents value, form of cover, limits
- Comparing home contents insurance (inboedelverzekering): how to save without giving up coverSum insured, limits, excess
- Which insurance pays out the most?Sum insured, actual loss, limits
- Insuring home contents in storageStorage unit, moving house, limited cover
- Home contents insurance (inboedelverzekering) for an apartmentVvE, owner's improvements, storeroom
- Choosing the right car insuranceThe car, the use, the drivers
- Reporting a claim: what to do straight awayDuty to notify, evidence, loss adjusting
Read more
Would you like to know whether your situation is covered?
Send us your policy. We read through the conditions and clauses and point out the gaps.
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.