Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
NH1816 · compared independently · advice from Finass
Agency workers, interns & volunteers through NH1816
Most personal legal expenses cases are not about great principles but about the immediate surroundings of the house: a fence, a contractor, a tree and a local authority granting permission for something.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Uitzendkrachten, stagiairs & vrijwilligers via NH1816 — vergelijk & bereken premie.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Personal legal expenses insurance gives you lawyers to handle your case and pays the external costs of a lawyer, an expert or proceedings. The cover is built up from areas of law. Home, consumer matters and traffic are usually in the core; employment, income, tax and assets are often separate modules. What you do not tick is not covered, however reasonable your case may be.
Most disputes arise around your own home: neighbour law and boundaries, nuisance, building work that does not deliver what was agreed, a hidden defect after the purchase and an objection to a neighbour's environmental permit. For the loss you cause to someone else it is not this policy but your liability insurance to act.
Not covered are disputes that already existed when the policy was taken out, cases within the waiting period, conflicts between insured parties on the same policy, criminal cases involving an allegation of intent, and claims that stay below the minimum interest.
Through Finass or direct with NH1816?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
- Employment law & staff
- Business premises (rented or owned)
- Public authorities & permits
- Recovery of traffic damage
Complete package
The most complete cover. We compare NH1816's extended versions with the market.
- Free choice of lawyer in legal proceedings
- Tax law & tax disputes
- Administrative law
- Higher allowance for external costs
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Dispute with a contractor about work on your home | Yes | Yes |
| Recovering damages for personal injury after a collision | Yes | Yes |
| Employment dispute or dismissal | Provided that | Yes |
| Dispute about a purchase or a delivery | Yes | Yes |
| Tax dispute or dispute about assets | No | Provided that |
| A dispute that was already running before the start date | No | No |
Legal expenses insurance has a waiting period after the policy starts and a threshold: a case is not taken on below a certain financial interest. If the case goes to court, you have a free choice of lawyer. A dispute whose cause already existed when you took out the insurance is excluded.
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.
Neighbour law: boundaries, fences and overhanging greenery
Disputes about the position of a boundary fence, overhanging branches, roots lifting the paving or a tree too close to the boundary fall under the home area of law. They take a long time because a surveyor or a land registry reconstruction is often needed. The insurer only reimburses those costs if the case has been taken on. Keep the correspondence with the neighbours, because the run-up determines how the lawyer builds the case.
Contractor, building work and extra work
If the contractor finishes late, defectively or much more expensively, that is a dispute about the contract for work. The lawyer gives notice of default, has the defect established by a surveyor if necessary and claims repair or cancellation. It is important not simply to have the work finished by someone else before the defects have been recorded; that destroys the evidence the whole case rests on.
If the other party is with the same insurer
In a neighbour dispute it happens that both parties have the same legal expenses insurance. There is a conflict of interest arrangement for that: both parties are then given their own external case handler, so that nobody is represented by the same lawyer. Ask for it actively as soon as you suspect it. The same applies if you disagree with the assessment of your chances; there is then a disputes procedure with an independent opinion.
Objecting to the local authority and the deadline nobody can undo
Administrative law cases, such as an objection to an environmental permit, an enforcement decision or a zoning plan, have absolute deadlines. If the deadline is missed, the case is lost before a lawyer has looked at it, and no policy can repair that. So report as soon as you receive the decision, not once the wrecking ball is ready. Article 7:941 of the Dutch Civil Code requires you to report without unnecessary delay in any case.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
- Family cover or single person — The number of insured members of the household determines how many cases statistically come out of a policy.
- Areas of law chosen — Home and consumer matters are often in the core; employment, income and tax are added separately.
- Owner-occupied or rented home — Homeowners bring more cases about building work, boundaries and administrative law than tenants.
- Minimum interest per case — The threshold below which a dispute is not taken on feeds straight through into the premium.
- Area of cover — The Netherlands, Europe or worldwide; wider cover is needed with a second home or a lot of travel.
- Maximum for external costs — The limit for lawyers' and experts' fees in proceedings differs and is a factor in the price.
Insurers weigh these details differently. That is why comparing pays off.
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.
9.5New policy
9.8Claims handling
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.
Frequently asked questions
The questions we are asked most often about this.
My neighbour is insured with the same insurer. Is that possible?
Yes, and there is an arrangement for it. As soon as both parties are with the same legal expenses insurer, the conflict of interest arrangement applies: you each get your own case handler, at least one of whom comes from outside. Report it as soon as you notice, so that no file stays with the same lawyer. It does not limit your cover.
Is a hidden defect after buying my house covered?
Usually yes, provided you bought the house after the policy started and the waiting period had ended. The dispute is about whether the seller breached the duty to inform and whether you met your duty to investigate. Have the defect recorded by a surveyor first and do not repair it straight away, because without evidence of the state of the property at the time of purchase your position is weak.
Can I object to a permit granted to the neighbours?
If your policy includes the home area of law with administrative law, yes. Watch the deadline for objecting, which starts to run from the publication of the decision and not from the moment building starts. A missed deadline is final. So report immediately after publication, even if you are still unsure whether you want to take it further.
From when can I call on the policy?
After the waiting period set out in your conditions, and only for disputes whose cause lies after the start date. A simmering conflict already under way therefore falls outside it, even if it only escalates later. If you knew of it when you applied, you had to declare it under Article 7:928 of the Dutch Civil Code.
Read more
Similar pages
- Agency workers, interns & volunteers for self-employed professionals through Nationale-Nederlanden — compare & calculate your premium
- Agency workers, interns & volunteers through Turien & Co — compare & calculate your premium
- Family legal expenses insurance (rechtsbijstandverzekering) through Vereende — compare & calculate your premium
- Agency workers, interns & volunteers for VvEs through Avéro Achmea — compare & calculate your premium
- Agency workers, interns & volunteers insurance through Unigarant — compare & calculate your premium
- Agency workers, interns & volunteers through ASR — compare & calculate your premium
- Business legal expenses insurance through De Goudse — compare & calculate your premium
- Business legal expenses insurance through Allianz — compare & calculate your premium
Also relevant
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.