⚠️ Please note: Contents insurance Insufficient
Most home contents insurance policies cover collections up to a maximum €12,000-€15,000. Is your collection worth more? Then you are underinsured and will only be reimbursed a fraction in the event of damage. Your passion deserves better protection.
Your Collection Optimally Protected
By stamps to whiskey, by LEGO to vinyl records – Dutch people collect something. Your collection not only has emotional value, but often also considerable value financial value. And that value is increasing: whiskey has increased over the past 10 years +600% increased in value.
But is your collection properly insured? A standard home contents insurance policy covers collections up to €12,000-€15,000. For collections above this amount you will need one additional collection insurance or valuables insurance necessary.
At Finass Verzekert we specialize in insuring all types of collections. We find the perfect cover for your unique collection, including value increase, fairs and transport.
Which Collections Can You Insure?
Almost all collections can be insured. From classic hobbies to modern investments:
stamps
Philately, first day envelopes
Coins
Numismatics, gold coins
Wine & Champagne
Bordeaux, Burgundy, investment
whiskey
Single malt, Macallan, collector
LEGO
Vintage sets, Star Wars, exclusive
Vinyl & LPs
Gramophone records, rare vinyl
Model cars
Dinky Toys, scale models
Model trains
Märklin, Fleischmann, track
Even More Collections
📈 Increase in value: Your Collection as an Investment
Home contents insurance vs. Collection insurance
❌ Standard Home Contents Insurance
- ✕ Collections max. €12,000-€15,000
- ✕ Covered indoors only
- ✕ Value increase not included
- ✕ Trade fairs/transport not covered
- ✕ No couples clause
- ✕ Climate damage is often excluded
✓ Collection insurance
- ✓ Higher limits (customization possible)
- ✓ Insured worldwide
- ✓ Increase in value also insured
- ✓ Trade fairs & transport covered
- ✓ Couples clause for series
- ✓ Climate damage optional
What is your collection insured against?
Fire & Water
Fire damage, water damage, fire damage
Theft & Burglary
Burglary, theft, robbery
Damage
Falling, bumping, breaking, knocking over
Transportation
To fairs, exchanges, sales
Trade fairs & events
Collector's fairs, exhibitions
Climate damage
Power failure, temperature (optional)
How much does collection insurance cost?
The premium depends on the type of collection, the value and the risk profile. Count on approx 0.3% to 1% of the insured value per year.
💰 Premium indication per year
| Type Collection | Value | Premium/year |
|---|---|---|
| Stamps / Coins | €25,000 | €75 - €150 |
| LEGO / Model cars | €15,000 | €45 - €100 |
| Vinyl / Comic books | €20,000 | €60 - €120 |
| Wine / Whiskey | €50,000 | €200 - €400 |
| Mixed collection | €100,000+ | On request |
📋 Appraisal: Essential for Collections
An appraisal report by a certified appraiser explains the replacement value of your collection. This prevents discussion in the event of damage and guarantees correct payment.
- → Wine/Whisky: Register Wine Appraiser (Liquorist diploma)
- → Stamps/Coins: NVPH or Numismatic appraiser
- → LEGO: BrickLink prices for reference
- → Validity: 3-5 years (revaluation if value increases)
- → Market value: In case of damage, current value, not purchase value
💡 Tips for Collectors
- ✓ Document everything – save purchase receipts, certificates and photos
- ✓ Keep an inventory list – with purchase date and price per item
- ✓ Have it appraised – especially with rapidly increasing value (wine, whisky, LEGO)
- ✓ Report new purchases – within 60 days for full coverage
- ✓ Climate control – wine/whisky: constant temperature 14°C
- ✓ Security – good locks and alarm can provide premium discounts
