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.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
For energy-saving measures many lenders offer extra borrowing capacity above the ordinary assessment: insulation, high-efficiency glazing, a heat pump, solar panels or a connection to a heat network. The amount normally goes into an energy-saving deposit from which invoices are paid, with a period within which it has to be spent. Which measures qualify is set by the lender.
What this page is about is what stands on your roof and against your facade afterwards. Solar panels, an inverter, an outdoor unit and a home battery are installations with their own pattern of loss: fire, hail, storm, theft and impact. They also raise the rebuild value, which means your sum insured no longer fits once the work is done.
We do not act as an intermediary for mortgages or deposits. We do update your buildings insurance and make sure the new installations really are insured.
Please note: borrowing money costs money. Finass Advies B.V. holds a licence for non-life insurance and does not act as an intermediary for credit or mortgages. This page is informative. For an application we refer you to a provider with a licence for consumer credit or mortgage credit. Every licensed provider consults the BKR (the Dutch credit register) for credit of € 250 or more with a term of longer than one month.
What does the mortgage for sustainability measures cover?
The structure of the cover in three parts, with an overview per situation below.
In advance
What you need
What a lender asks for.
Income details
Value of the collateral
Overview of obligations
In addition to the interest
What it costs
What is often forgotten.
Advice and arrangement fees
Valuation and notary
Property transfer tax
Conditions
What goes with it
What the lender requires.
Buildings insurance compulsory
Sometimes term life cover
Interested party on the policy
What is covered
Subject
Explanation
Advice is independent
Yes
We compare several providers
Yes
We arrange credit ourselves
No
Referral to a specialist party
Yes
A first conversation without obligation
Yes
Costs clear in advance
Yes
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Solar panels are covered, but not always automatically
Panels fixed to the roof of the home usually fall under the buildings cover. For panels on a flat roof, on a frame, on an outbuilding or in a ground-mounted array that is by no means always the case. Outside the cover remain inherent defect and manufacturing faults, a gradual fall in output, lost yield and feed-in payments, and damage caused by unskilled installation.
Heat pump, outdoor unit and home battery
The outdoor unit of a heat pump stands unprotected and is therefore vulnerable to theft, vandalism and impact. A home battery brings its own fire risk. Insurers cover the physical damage, but not a fault without a physical cause, not wear of components and not frost damage to pipes that have not been drained. A manufacturer's warranty also takes precedence.
Fire and liability risk from the installation
Inverters, charging points and batteries are a known cause of fire, and a roof fire under panels is difficult to extinguish. Insurers therefore increasingly ask for installation by an approved firm and for periodic inspection. If a defective installation causes damage to someone else, Article 6:162 of the Dutch Civil Codecomes into play; with a defective product, product liability under Article 6:185 of the Dutch Civil Code as well.
The sum insured after the measures
Insulation, new window frames, installations and a heat pump raise what it costs to rebuild the home. If you do not fill in the rebuild value calculator again, your sum insured is too low and the guarantee against underinsurance, which after all assumes correct information, lapses. If the panels are rented or leased, check who insures them.
What does your premium depend on?
Nature and number of the installations. Panels, a heat pump, a charging point and a home battery are each assessed separately.
Position of the solar panels. A pitched roof, a flat roof, an outbuilding or a ground-mounted array lead to different conditions.
Construction type and roof covering. Bitumen, thatch or sandwich panels weigh differently from tiles for fire risk.
Rebuild value after the measures. The updated rebuild value is the basis for the sum insured.
Approved installation and inspection. An inspection report or installation by a certified firm works in your favour.
Excess chosen. For storm and hail damage to panels there is sometimes a separate excess.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Are solar panels automatically included in my buildings insurance?
Not automatically. Panels fixed to the roof of the home are usually regarded as part of the building. If they lie on a flat roof, a frame, a shed or loose in the garden, a separate endorsement is needed. Report the position and the number and have the sum insured adjusted accordingly.
Is lost yield insured if my panels fail?
No. The buildings policy pays for physical damage to the installation, not the electricity you miss out on as a result or the feed-in payment you do not receive. A gradual fall in output and a failure through an inherent defect of the panel also remain outside the cover. For that you have to rely on the warranty from the manufacturer or the installer.
Is a charging point insured as well?
A charging point fixed to the home or to the drive is normally counted as part of the building, but do report it. Insurers impose requirements on the installation, because charging points and batteries carry an increased fire risk. Damage from a fault without a physical cause, and damage to the car while charging, do not fall under the buildings cover.
Do I have to adjust my rebuild value after the sustainability work?
Yes. Insulation, window frames and installations raise the cost of rebuilding. If the sum insured stays unchanged, you are underinsured and the insurer can reduce a payment proportionately. Fill in the rebuild value calculator again as soon as the work is finished. We do that for you. The finance itself runs through an adviser with a mortgage licence.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
