Is a PVC floor buildings or contents?
With floors, the fixing is decisive: glued down belongs to the property, loose-laid to your belongings.
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- 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
Glued or click-together
A glued vinyl floor is a permanent fixture and therefore belongs to the structure. A click-fit flooring laid loose on underlay strictly speaking is not, but insurers assess that differently.
Ask how your insurer sees it and have that recorded. With floors costing several thousand euros it is worth it.
In a flat
What you had laid yourself is owner's interest: it is fixed in place and therefore not contents, but the VvE policy usually covers only the structural condition.
Include it as a section on your home contents insurance, or check whether the VvE has arranged this collectively.
In a rented home
A floor you had laid as a tenant is tenant's improvements. Your landlord's policy does not cover it; include it on your home contents insurance.
Where things go wrong
With water damage from above, the floor is often the most expensive part of the loss. If it has not been declared anywhere, it falls between the policies.
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Within Opstalverzekering
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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.
Frequently asked questions
This is what people ask us most.
Is a glued vinyl floor part of the structure?
In an owner-occupied home usually yes. It is a permanent fixture.
And a click-together floor?
That is laid loose; insurers assess it differently. Ask and have it recorded.
What about in a flat?
Then it is the owner's interest. The VvE policy usually only covers the shell of the building.
What if I rent?
Then it counts as tenant's improvements; include that on your home contents insurance.
Why does it matter?
With water damage the floor is often the most expensive item. Not declared anywhere means paying yourself.
How do I arrange it?
Declare the value as tenant's or owner's interest on your home contents insurance.