No investment advice · Returns not guaranteed · We insure

Investing: we refer you on

We provide insurance; we do not invest for you and we do not broker investments. What we do here is explain what to look out for before you commit through a licensed provider.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Beleggen: wij verwijzen u door.

Ask us

We will take a look and refer you elsewhere where that is better.

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

Get in touch

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Investing carries no guarantee. You may lose some or all of your money, and past results say nothing about how an investment will perform in future. That risk is part of the product; it is not something you can insure away.

Finass Verzekert advises on and arranges non-life insurance, under AFM licence 12016589. Investing and asset management fall under a different licence category. We therefore give no investment advice, manage no assets and do not broker investment products or funds.

What we do here is explain what to look out for before you commit through a bank or investment firm that does hold the licence. Think of costs, diversification, your risk profile and the question of which money you can genuinely do without. If you invest with borrowed money, bear in mind: Please note: borrowing money costs money.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what when it comes to investing?

This page sets out the roles: what you obtain from a licensed provider, and what you can come to us for.

No licence

What we do not do

We leave investment advice and asset management to authorised firms.

No investment advice
No asset management
No broking of funds

Before you commit

What to look out for

The points that determine the result at the bottom line.

Costs per year
Diversification and time horizon
Your risk profile

Non-life insurance

What we do provide

What you can come to us for.

Home and traffic
Liability
Business and property

What is covered

Situation	At Finass Verzekert	With the licensed provider
Investment advice on funds or shares	No	Yes
Asset management and executing orders	No	Yes
Establishing your knowledge, experience and risk profile	No	Yes
Statutory information about costs and risk	No	Yes
Advice on your non-life insurance	Yes	No
Insuring your home, contents and liability	Yes	No

This overview is general in nature and is not personal advice; exactly what a provider does for you is set out in its service document and conditions.

Where things go wrong in practice

Four points that are misjudged more often than the markets themselves.

A fall in value is not an insurable loss

Insurance pays for damage to property or for liability, not for a disappointing investment. The investor compensation scheme steps in only where a licensed institution cannot meet its obligations, so in the event of insolvency or fraud — not where your investment falls in value. The deposit guarantee scheme applies to savings held with a licensed bank, up to a statutory maximum per person per bank, and not to investments.

Costs bite every year

Besides transaction costs you often pay a service fee and the ongoing charges of the fund itself. Those costs are deducted afresh every year, including in a year with no return. So ask for a total cost overview and compare providers on that, not on the entry costs alone.

Investing with borrowed money increases the risk

Please note: borrowing money costs money. With a loan the interest is fixed, the return is not: if the investment disappoints, the obligation to repay remains. Always compare credit on the annual percentage rate (APR) and not on the monthly payment. Every licensed provider consults the BKR (the Dutch credit register) for credit from € 250 with a term longer than one month.

Our role is limited and we say so

We collect no information about your assets, compare no investment products and recommend no provider. Where we refer you to an external party, a fee may be payable for that; you are always free to choose a different provider. For your non-life insurance we are indeed your adviser.

What to look out for when comparing

Your risk profile — how much fluctuation you can and want to bear, in money and in peace of mind
Investment horizon — money you will need within a few years does not belong in an investment
Total costs per year — service fee, transaction costs and ongoing fund charges together, not separately
Spread — across categories, regions and moments; concentration increases the swings
The provider's licence — check the provider in the AFM register before you transfer any money
Buffer and tax consequences — keep savings in reserve and know how your assets are taxed in box 3

This overview is general in nature and is not personal advice.

How it works

You will read what to look out forCosts, diversification, time horizon and risk profile together determine what investing means for you.
You choose a licensed partyCheck the provider in the register of the AFM (the Dutch financial markets authority) before you transfer any money.
That firm assesses and recordsIt establishes your knowledge, experience and objective and informs you about costs and risk.
We arrange your insuranceFor your home, your vehicles, liability and your business, you have come to the right place.

Get in touch

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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

The questions we are asked most often about this.

Does Finass Verzekert give investment advice?

No. Our AFM licence covers general insurance. Investment advice, asset management and the execution of orders fall under a different licence category. On this page we only explain what to look out for yourself, and we refer you for the product to firms that hold the appropriate licence. They assess your knowledge, experience and objective and record that in writing.

Can I insure my investments against loss?

No. General insurance pays for damage to property or for liability towards others; a fall in market value is not covered. The investor compensation scheme does exist, but it only operates where a licensed institution itself fails, for example through insolvency or fraud. A fall in the value of your investment always remains at your own expense.

What is the difference between saving and investing?

Savings with a bank holding a Dutch licence fall under the deposit guarantee scheme, up to a statutory maximum per person per bank. Investments do not: you may lose your money. Against that, investing follows a different pattern of returns over the longer term. Which balance suits you depends on your time horizon and your risk profile.

Is it wise to invest with borrowed money?

Please note: borrowing money costs money. The interest and costs of the credit are fixed, the return on the investment is not. If the investment falls back, the obligation to repay remains and you pay the difference out of your own funds. Always compare credit on the annual percentage rate, because the monthly payment says little about the total price.

Where do I check whether a provider is licensed?

In the public register of the AFM. If a firm is not listed there, it may not offer investment services in the Netherlands and you have no access to the complaints institute or the compensation scheme. Be extra alert to unsolicited contact by telephone or online and to promises of fixed returns; those do not fit with investing.

Your insurance with us after all?

We compare several insurers on premium and conditions and explain which exclusions matter.

Get in touch

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 written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Investing: we refer you on

Ask us

In brief

Who does what when it comes to investing?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

A fall in value is not an insurable loss

Costs bite every year

Investing with borrowed money increases the risk

Our role is limited and we say so

What to look out for when comparing

How it works

Frequently asked questions

Read more

Similar pages

Service

Your insurance with us after all?

About our service

Investing: we refer you on

Ask us

In brief

Who does what when it comes to investing?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

A fall in value is not an insurable loss

Costs bite every year

Investing with borrowed money increases the risk

Our role is limited and we say so

What to look out for when comparing

How it works

Frequently asked questions

Read more

Similar pages

Service

Your insurance with us after all?

About our service

Privacy Settings

Functional

Preferences

Statistics

Marketing