Klaverblad as an insurer at Finass

In brief

Finass acts as an intermediary with more than thirty insurers and is tied to none of them. Klaverblad has both a private line and a business line, covering motor vehicles, the home, liability and legal expenses. Which insurer ultimately carries your policy follows from the cover you need and from your acceptance profile, not from a preference decided in advance.

The most important moment of any insurance lies with the application. Under Article 7:928 of the Dutch Civil Code you have to report everything you understand to be relevant to the assessment: your claims history, an earlier cancellation or refusal by another insurer, a criminal record within the period asked about and, for a business, the actual activities. Article 7:930 of the Dutch Civil Code determines what happens if that is not correct: the insurer may reduce or entirely refuse the payment, depending on what it would have done had the information been correct.

Alongside the cover, the policy schedule often shows clauses: a security requirement, an inspection of the electrical installation, a requirement about where a vehicle is kept or about where keys are stored. Such clauses are not recommendations but conditions of cover. We go through them with you when the policy is taken out and check at renewal whether they still match reality, because a clause that fitted three years ago and no longer does costs money when you claim.

This page deals with one situation. The full overview is on Insuring a light quadricycle (brommobiel).