Klaverblad's buildings insurance (opstalverzekering)
Finass acts as a broker for Klaverblad's home cover. Whether that policy suits your property depends on the use and the type of construction, not on the name of the company.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
We compare several insurers objectively and place a home with Klaverblad when that fits your situation. The choice follows from what cover is needed: the year of construction, the structure, the roof covering, the location and above all the use of the home. For an owner-occupied home of standard construction this is one of the providers we include as a matter of course. If the property differs from that, a specialist company is often the more obvious choice.
The cover pays for physical damage to the building: fire, explosion, lightning strike, storm, burglary damage and water from pipes and installations, including tracing and repairing the pipe itself. The heart of the assessment lies not in that list, but in the rebuild value on the policy schedule. If it is set with a rebuild value calculator and the input remains correct, a guarantee against underinsurance applies usually. See calculating the rebuild value.
If your home contents insurance, liability insurance or legal expenses insurance is also with this company, a claim involving several policies is assessed in one go. That avoids discussion about whether a damaged item is structure or contents. An overview of the private range is at Klaverblad's private insurance products.
This page deals with one situation. The full overview is on Compare buildings insurance (opstalverzekering).
Independent, personal, sorted quickly
We compare your buildings 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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Get coveredWhy 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.
What to look out for
Four points that determine whether this policy suits your home.
The use must match the application
Home cover assumes permanent owner occupation. Letting rooms, letting to third parties, a practice at home or lengthy vacancy do not fall under it and call for a different policy or a separate clause. If you do not report the change, the insurer can rely on Articles 7:928 and 7:930 of the Dutch Civil Code.
The type of construction and roof covering determine acceptance
A home with a thatched roof, a largely timber structure or a listed status is not accepted by every company, or only with prevention clauses and a higher excess. Have this assessed before you apply, so that you do not end up with a refusal in your insurance history.
Standard exclusions
Outside the cover are damage to foundations and subsidence, gradual effects of damp and corrosion, damage caused by vermin, construction and design faults, earthquake and flooding from primary flood defences. Wear and tear and deferred maintenance are also excluded. Those fall under normal owner's maintenance.
Look at extensions and installations separately
Solar panels, a heat pump, a charging point and a free-standing garden house are not automatically included in the sum insured. Increase the amount when they are installed and check whether a sub-limit applies to garden landscaping, paving and boundary fencing; see buildings insurance (opstalverzekering) with solar panels.
What does your premium depend on?
- Rebuild value: calculated with a calculator or set by valuation
- Construction type and roof covering: brick with tiles differs sharply from thatch or timber
- Type of home: terraced, end-of-terrace or detached
- Postcode: fire and burglary statistics for the area
- Excess chosen: general and the different amount for storm
- Combining with other policies: a package can affect the rate
Insurers weigh these details differently. That is where your saving is.
What is covered on the building
| Situation | Extended | Comprehensive |
|---|---|---|
| A storm lifts tiles off the roof and the rain drives into the bedroom | Yes | Yes |
| A handyman drills into a water pipe while hanging a kitchen cupboard | Provided that | Yes |
| You damage the rendering on the front facade with a ladder | No | Yes |
| After heavy rain, water runs into the living room through the french doors | Provided that | Provided that |
| The boiler fails after twelve years and has to be replaced | No | No |
| A pane in the french doors is broken by a football | Provided that | Provided that |
All-risks cover adds damage from a sudden cause of your own. The standard exclusions apply in full in both forms.
Frequently asked questions
This is what people ask us most.
Is Finass tied to Klaverblad?
No. We act as a broker for the products of more than thirty companies and are tied to none of them. Which insurer it becomes follows from your property and the cover you want. For a standard owner-occupied home this company is often within the comparison. For an unusual property a specialist provider may be a better fit.
What happens if I refurbish?
Report the work in advance. During the work the risk changes and afterwards the rebuild value changes. An extension or roof addition that has not been reported can lead on a later claim to underinsurance and to reliance on the duty of disclosure under Articles 7:928 and 7:930 DCC. A short notification is usually enough.
Does the policy cover damage to my garden?
Planting, paving and boundary fencing are usually included up to a fixed maximum and only for a limited list of events, such as fire, lightning strike and impact by a vehicle. Storm damage to planting is usually excluded. Check that sub-limit if you have invested a lot in the garden; it is separate from the sum insured for the house.
Can I switch without losing cover?
Yes, provided the new policy has been accepted before the old one ends. Never cancel before you have acceptance in writing. On your application you must state truthfully whether an insurer has previously cancelled or refused a policy; failing to disclose that is one of the most common reasons why a claim is rejected later.
Every situation is different. For these situations we have a separate page.
- Compare buildings insurance (opstalverzekering)The main page
- Comparing buildings insurance (opstalverzekering) by policy sectionBasis of valuation, storm, foundations
- Comparing buildings insurance (opstalverzekering) on more than a test scoreTest score, conditions, your property
- Buildings insurance (opstalverzekering) through a.s.r.Rebuild value, underinsurance, gradual damage
- What determines the premium for your buildings insurance (opstalverzekering)?Rebuild value, construction type, excess
- What does buildings insurance (opstalverzekering) cover?Permanently attached, outbuildings, exclusions
- What does buildings insurance (opstalverzekering) do?Rebuild value, damage to the building, exclusions
- De Vereende's buildings insurance (opstalverzekering)Unusual risks, vacancy, clauses