Structure of the package · sums insured · waiting period
Personal insurance from Klaverblad
A private package is a stack of separate policies on one shared policy schedule. The weak spot is not the discount but the amounts you have entered for each section.
- 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: Particuliere verzekeringen van Klaverblad.
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.
In brief
Klaverblad has a private line covering, among other things, buildings, home contents, liability, legal expenses, car and two-wheelers. Finass places policies with more than thirty insurers. The choice for each section follows from the conditions and not from the brand on the policy schedule.
The most sensitive point of a home policy is the sum insured. If your contents are insured for less than they are worth, there is underinsurance and every claim is paid proportionately, even a small kitchen fire. Many insurers therefore offer a guarantee against underinsurance, provided you fill in a value calculator and keep it up to date. For jewellery, musical instruments, camera equipment and tools there are also sub-limits: above a certain amount, separate valuables cover is needed.
With legal expenses it is not the subject but the timing that is decisive. Almost every policy has a waiting period during which new disputes are not yet handled, and a dispute that already existed or was foreseeable when the policy was taken out falls outside it in any event. A conflict with the neighbours about a fence that was already there when the cover started, or an employment dispute that was already running then, is not taken up. So take out this cover in quiet times, not at the moment you need it.
This page deals with one situation. The full overview is on Insuring a light quadricycle (brommobiel).
What to look out for
Four places where money disappears or cover is missing on a private package.
Double cover does not mean a double payout
Baggage is often on both a travel insurance and the home contents policy; breakdown assistance is sometimes already included in a roadside assistance subscription; legal expenses cover for traffic can appear both on the car policy and on the family legal expenses cover. You never receive twice: insurers share the claim between them, while you pay two premiums in the meantime. Have your policies reviewed for that.
Who falls under the family cover
The description of the insured parties determines whether a student child living away, a guest, an au pair or an ex-partner still registered at the address is co-insured. If your household composition changes, that changes the answer. This plays out on liability, legal expenses and travel cover at the same time; the definitions differ from policy to policy.
A light quadricycle (brommobiel) or moped alongside the package
Motor vehicles never fall under a liability or home contents policy. For those there is the separate insurance obligation in Article 2 of the Dutch Motor Insurance Liability Act (WAM). A light quadricycle or a moped therefore needs its own policy, which you can place within the same package. Pay particular attention there to the theft conditions and the basis of valuation.
Exclusions that recur on home policies
Not covered are gradually acting influences such as damp, mould and subsidence, groundwater entering the house, construction faults and deferred maintenance, and damage during a refurbishment without that having been reported. Intent remains excluded under Article 7:952 of the Dutch Civil Code, and Article 7:960 of the Dutch Civil Code prevents you from profiting from a claim.
What does your premium depend on?
- Sums insured: the rebuild value of the home and the contents value
- Household composition: cover for a single person is cheaper than family cover
- Construction type and housing situation: brick or timber, owned or rented, and whether any part is let
- Modules chosen: valuables, glass, cover away from the home and legal expenses
- Number of policies in the package: the discount scale rises with the number of sections
- Excess per section: can be set separately for each policy
Insurers weigh these details differently. That is where your saving is.
What the package absorbs
| Situation | Basic | Extended |
|---|---|---|
| Your son kicks a ball through the neighbours' window | Yes | Yes |
| Your dog bites the postal worker on the hand | Yes | Yes |
| A storm blows your fence over and damages the paving underneath | Provided that | Provided that |
| Your wedding ring slips off your finger while swimming | No | Provided that |
| You fall into dispute with the builder who fitted your dormer window last year | Provided that | Yes |
| Your laptop is stolen from the boot of your car | No | Provided that |
A package covers no more than the separate policies within it. It bundles the administration and the discount, not the cover.
Frequently asked questions
This is what people ask us most.
What is a guarantee against underinsurance worth?
That guarantee promises that the insurer will not rely on underinsurance as long as you have filled in the value calculator correctly and keep it up to date. If your situation changes substantially, for example through a refurbishment or a large purchase, the information has to be updated. An out-of-date value calculator can cause the guarantee to lapse precisely at the moment you need it.
Are my belongings insured away from home as well?
Only if cover away from the home has been included, and then often up to a limited amount and subject to conditions. Theft from a car is normally covered only where there are signs of forced entry and sometimes only during the day. Do not leave valuable items in view; insufficient care is a recurring ground for refusal on travel and home contents policies.
How quickly is a legal expenses case taken up?
After the waiting period, and only where the dispute arose during the term. What matters is the moment the event took place that led to the conflict, not the moment the quarrel escalated. So report a case early, even if you still hope it will be resolved between you; reporting afterwards costs you cover.
Is a package discount always to your advantage?
Not automatically. A package with an expensive premium on one section can, despite the discount, work out higher than separate policies with different insurers. On top of that, switching one section can affect the discount on the rest. We calculate both scenarios and take into account the differences in conditions for each section.