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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The buildings cover is about everything fixed to the home: foundations, walls, roof, central heating system, kitchen and sanitary ware. The contents cover is about the rest. You insure the building on rebuild value, the contents on replacement value as new. Glass breakage, garden landscaping, solar panels and belongings away from the home are not automatically included, but can be added to most packages.
As the owner you also carry a strict liability for the building. If a roof tile or a facade panel falls down and someone is injured, you are liable under Article 6:174 of the Dutch Civil Code, even without any fault on your part. That damage to third parties runs not through the home insurance but through your liability insurance.
Structurally outside the cover remain damage from deferred maintenance, persistent damp and groundwater entering through the floor or a cellar wall, construction faults, vermin and mould, and damage arising during a refurbishment the insurer did not know about.
Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your home insurance. We show what Nationale-Nederlanden and other insurers offer within it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare Nationale-Nederlanden's extended version with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What we do
What we do
At Finass
Direct with Nationale
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Nationale is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Rebuild value and the risk of underinsurance
The building is insured on rebuild value: what it costs to build the same house again on the same spot. If that amount is set too low, the insurer pays proportionately, even on a small claim. A rebuild value calculator or a valuation prevents that. Include the foundations and the outbuildings, and report refurbishments that raise the rebuild sum, such as an extension, a dormer window or a converted loft.
Water damage: the cause determines everything
A burst pipe is covered; water coming in through the ground floor or a cellar wall usually is not. A sewer backing up, a blocked gutter, a leaking seal in the shower and damp seeping through slowly fall outside the cover with most insurers. Repairing the pipe itself is also something other than repairing the consequential damage to the floor and ceiling; check which of the two is included.
Contents on replacement value as new, but with sub-maximums
The contents are insured on replacement value as new, with exceptions. Separate maximums apply for jewellery, cash, collections, audiovisual equipment and belongings in a shed, garage or on the balcony. Anything above that you insure separately or not at all. With theft without signs of forced entry, often nothing is paid. Keep purchase receipts and photographs outside the home, digitally for example, because after a fire the evidence has burned with it.
A void, letting rooms and refurbishment change the risk
If the home stands empty for a longer period, you let a room or major refurbishment work is carried out, the risk the insurer accepted changes. You have to report that. If you do not and fire or water damage arises, the payment can be limited. For an incorrect statement when applying, Article 7:928 of the Dutch Civil Codeapplies; if it turns out afterwards that you withheld information, Article 7:930 of the Dutch Civil Code gives room to refuse.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Rebuild value and contents value. The two sums insured form the basis. A larger house with a more expensive finish weighs more heavily.
Construction type and roof covering. Brick with a hard roof covering is assessed differently from timber or thatch, for which extra requirements often apply.
Postcode and location. Burglary figures, the chance of water damage and the distance to open water and to the fire service all count.
Modules chosen. Glass, garden, solar panels, valuables and cover away from the home are added separately.
Security and state of maintenance. Certified locks and fittings, smoke alarms and the state of the roof and window frames influence acceptance and premium.
Excess chosen. A higher excess per event lowers the premium. For storm a separate amount often applies.
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.
Often not. With many home packages glass is a separate module. If that is missing, you pay for a broken window yourself. What is insured is the glass in the facade or the roof. A mirror, a glass table top or an aquarium belongs to the contents. Windows in a conservatory or an outbuilding are not automatically included, so check that separately.
I rent my home. Do I need buildings cover?
No, the owner insures the building. You insure your contents. You are, however, responsible for what you have fitted yourself, such as a kitchen, a bathroom or a floor you have laid. Those tenant's improvements can be insured on the contents cover. Damage you cause to the rented property falls under your liability insurance and not under this policy.
Are solar panels covered as well?
Panels fixed to the roof belong to the building, but only count if the rebuild value has been adjusted for them. Loose panels, a frame on a flat roof and a home battery often fall outside. Damage from fire and storm is normally covered; loss of output, ageing and a faulty inverter are not.
What does the policy pay after a storm?
Storm damage to the building is covered from the wind force stated in the conditions, usually with an excess per event. Roof tiles blown off, a fence blown over and a damaged dormer window fall under it. Damage from deferred maintenance does not: a roof or facade that already showed defects is regarded as a maintenance defect and not as storm damage.
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.
