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
We request the holiday home insurance (recreatiewoningverzekering) from NH1816 and set it alongside the rest of the market. The acceptance discussion starts with the construction type: a masonry house with a hard roof covering, a timber frame house, a chalet on a steel chassis and a house with a thatched roof are four different risks. What you declare here determines whether an insurer takes the property on, on what conditions and with which clauses.
The second point is the time the property stands empty. A holiday home is by definition not permanently occupied, and most losses arise precisely during that period: a burst water pipe running for days, a roof tile or roof covering coming loose in a storm, a fallen tree. Because nobody sees it, the damage by the time it is discovered is almost always greater than the incident itself.
Insurers translate that into concrete conditions: drain the pipes or keep the heating at a minimum setting, and have the property checked during the winter period. If you do not comply with such a clause, the damage is excluded, even if the rest of the policy is in order. We pick out those provisions when comparing. See also holiday home and chalet insurance.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your holiday home insurance. We set out what NH1816 and other insurers offer within it.
Fire & lightning strike
Storm & precipitation
Explosion & induction & implosion
Smoke & soot damage
Extended cover
As well as the basic cover, also protection against damage to your holiday home from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Water damage & leaks
Glass breakage
Comprehensive cover
The most complete cover. We compare NH1816's extended version with the market.
Hail damage
Damage through your own fault
Rebuilding at rebuild value
Unknown party at fault
What is covered
Situation
Standard
With extension
Fire, smoke and lightning strike
Yes
Yes
Storm from force 7 upwards
Yes
Yes
Water damage from a burst pipe
Yes
Yes
Glass breakage
Provided it is declared
Yes
Groundwater coming through the floor
No
No
Wear and deferred maintenance
No
No
What we do
What we do
At Finass
Direct with NH1816
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 NH1816 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.
Construction type is the first acceptance question
State the structure and the wall and roof coverings exactly, including a steel chassis under a chalet. Timber and thatch count for more because of the fire risk, certainly where the houses on a park stand close together. If the declaration is not correct, that affects the duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer can reduce the payout on a fire claim under Article 7:930 of the Dutch Civil Code. If in doubt, supply photographs and a building drawing.
The winter clause is a hard condition
Frost damage to water pipes and central heating systems is one of the most common losses in this segment and at the same time the most frequently refused. Policies usually require you to drain the system or to leave the heating at a frost-free setting. If you cannot show that you did so, the damage falls outside the cover. Record the draining with a date and a photograph of the meter reading. It costs nothing and saves the argument.
What stands around the house counts separately
Verandas, canopies, terraces, stores, fences and garden landscaping are by no means always covered by the buildings section and often have a separate, limited sum. The same applies to clearance costs after a storm or a fallen tree. When you apply, go through the outbuildings and site features and have what you want covered written in, because the standard wording assumes the main building only.
Vacancy limits the cover
If the property stands empty for a long unbroken period, many policy conditions restrict cover for theft, vandalism and water damage or withdraw it altogether. A renovation or a period without utility connections can also trigger that clause. Agree how often the property is checked and report any damage discovered immediately: Article 7:941 of the Dutch Civil Code obliges you to report as soon as you know of it, and reporting late costs you cover.
Burglary & vacancy
Letting
What does your premium depend on?
Construction type and roof covering. Masonry, timber frame, a chalet or a thatched roof lead to clearly different assessments.
Location and surroundings. A managed park, a detached position in woodland or a location close to open water each weigh differently.
Rebuild value. The rebuild value assessed for the property is the basis for calculating the buildings part.
Period standing empty and supervision. How long the property is unoccupied and whether there is supervision or management determines the clauses you get.
Outbuildings and grounds features. Verandas, stores, fences and garden landscaping that you want included count separately.
Excess, including for storm. Storm damage often carries a separate excess that stands apart from the general 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.
My house is timber and has a thatched roof. Is that a problem?
Not an insurmountable problem, but it is an acceptance question. Timber and thatch count for more because of the fire risk, certainly where houses on a park stand close together. Insurers then apply additional requirements, for example for the chimney, the maintenance of the roof and the distance to neighbouring properties. So declare the structure in full and supply photographs; an incorrect declaration affects the cover in the event of fire.
Is a burst water pipe in winter covered?
Only if you complied with the frost clause. Most policies require the system to be drained or the heating to be left at a frost-free setting during the period you are not there. If you cannot show that, the damage is excluded. So note the date of draining and take a photograph, so that you have something to fall back on afterwards.
Are my veranda and store covered by the buildings section?
Not automatically. Outbuildings, canopies, terraces, fences and garden landscaping are often dealt with separately in the conditions and carry a limited sum, or fall outside it altogether. Clearance costs after a storm are usually capped as well. Go through these items one by one when you apply and have it recorded what is and is not included, with a realistic amount alongside.
What happens if the property stands empty for months on end?
An unoccupancy clause may take effect which restricts or withdraws cover for theft, vandalism and water damage. How long that period may last differs by insurer. So agree in advance how often the property is checked and record who does it. If you discover damage, report it immediately; Article 7:941 of the Dutch Civil Code requires you to report as soon as you are aware of it.
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.
