Premium versus conditions · total cost · comparing
Which insurance is the cheapest?
The cheapest policy when you take it out is rarely the cheapest when you claim. That is not a sales line but arithmetic.
Deze pagina in het Nederlands: Welke verzekering is het voordeligst?.
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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 your own premium with the calculator.
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- 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.
What you really compare
The total annual cost: the premium plus insurance premium tax plus the excess you would bear on a single claim.
The exclusions: what one policy includes as standard is an extension with its own premium on another.
The sums insured and sub-limits: a low premium with a low sub-limit for jewellery is no saving if you own more than that.
The hidden differences
With a car insurance: the new-for-old period. One year against three makes a difference of thousands of euros in a total loss.
With a buildings insurance: the guarantee against underinsurance and how long it lasts.
With a liability insurance: whether care, custody and control is included and up to what amount.
Where the real saving is
Not in switching but in whether your cover still fits. Comprehensive cover on an old car, or a contents sum from 2015 — those are the amounts that matter.
What you can do yourself
Put your policy schedules side by side and look at the exclusions and sub-limits, not at the premium line. That takes an hour and often yields more than a comparison site.
Frequently asked questions
The questions we are asked most often about this.
Is the cheapest policy the best?
Rarely; the lowest premium is often not the lowest cost when you claim.
What do I compare on?
On the total annual cost, the exclusions and the sums insured.
What is a hidden difference with motor cover?
The new-for-old period; in a total loss that is worth thousands of euros.
And with buildings cover?
The guarantee against underinsurance and how long it runs.
Where does the real saving lie?
In whether your cover still fits your situation.
What can I do myself?
Putting your policy schedules side by side and comparing the exclusions.
What is covered and what is not
What do you actually get back?
| Situation | Basic | Extended |
|---|---|---|
| A total loss of a two-year-old car, settled at replacement value as new | No | Yes |
| Jewellery worth more than the standard sub-limit on the contents policy | No | Provided that |
| Damage you caused in the holiday home you rented | No | Provided that |
| Repairs at a repair firm of your own choice | Provided that | Yes |
| A fire in an extension you never reported after the building work | No | No |
| Payment without deduction where the rebuild value turns out to have been too low | No | Yes |
What you save on the premium appears later in the same policy as a sub-limit or an exclusion.