Details and acceptance questions
- Address, use and sum insured
- Claims history and earlier refusal
- If in doubt, report too much rather than too little
Taking out insurance online
Taking out cover online is quick, but you fill in the acceptance questions yourself. Below you can read how the process runs and where you can check the cover.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
An online insurance is not a separate product, but an ordinary insurance you take out at a distance. You go through the same steps as at a counter: answering the acceptance questions, choosing the form of cover and the excess, and submitting the application. The insurer assesses that application and then sends the policy schedule with the conditions. You are covered only from the start date on that policy schedule.
Before taking out cover you should receive an insurance card (verzekeringskaart): a two-page summary of the main types of cover and the main exclusions. With insurance concluded at a distance there is also normally a a cooling-off period of fourteen days. Keep the confirmation and the conditions as they applied on the start date. If you claim years later, that is the text that counts.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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How an online application runs
Three steps, two of which depend entirely on what you enter.
Type of cover and excess
The choice that makes the biggest difference to the premium.
- Basic, extended or all-risks
- An excess you can bear
- Note the maximum amounts per section
Acceptance and policy schedule
The insurer decides. The cover then starts.
- Check the policy schedule straight away
- Keep the conditions digitally
- A cooling-off period of fourteen days
What is covered
| Situation | Straight online | With advice |
|---|---|---|
| Receiving the policy schedule and conditions digitally | Yes | Yes |
| Check whether the cover fits your situation | No | Yes |
| Unusual risks such as thatch, letting or an import | No | Provided that |
| Cooling-off period when buying at a distance | Yes | Yes |
| Support when a claim is rejected | No | Yes |
| Cover with retrospective effect | No | No |
What is actually covered, including exclusions, limits and excess, is set out in the policy conditions and the insurance card (verzekeringskaart).
What does your premium depend on?
- Type of insurance: home, traffic or liability
- Sum insured: the basis of calculation
- Type of cover: basic, extended or all risks
- Excess: higher risk, lower premium
- Personal details: age, postcode, claims history
- Package and payment frequency: a combination and annual payment
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong online
Two points that determine whether the policy you take out online stands up when you claim.
What you enter is what you insure
A form asks no follow-up questions. A sum insured that is too low, use declared incorrectly or a forgotten earlier claim goes unnoticed until something happens. When the contract is entered into, the duty of disclosure in Article 7:928 of the Dutch Civil Codeapplies; if your statement turns out to be incorrect, the insurer can reduce or refuse the payment (Article 7:930 of the Dutch Civil Code). A sum insured that is too low also leads to underinsurance, with the payout made proportionately.
The exclusions do not change with the channel
Online too, the standard exclusions remain in place: intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults and damage caused by war risks, earthquake or a nuclear reaction. Business use also falls outside a private policy. If damage arises, report it as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code); reporting late costs you the payment if the insurer has been prejudiced as a result.
Frequently asked questions
This is what people ask us most.
When am I actually insured?
From the start date on the policy schedule, once the insurer has accepted your application. A completed form is not yet cover. Cover with retrospective effect does not exist, so arrange insurance before the moment the risk begins: the handover of the keys, the registration in your name or the start of the works.
Can I still cancel an online insurance?
With insurance concluded at a distance there is normally a cooling-off period of fourteen days in which you can withdraw without giving a reason. After that the ordinary rules on cancellation apply: most non-life policies can be cancelled on any day after the first year with one month's notice. Check this in your policy conditions.
What do I have to do if my situation changes?
Report changes: a refurbishment, solar panels, letting a room, a business at home, a move or a different driver. The risk the insurer accepted changes with it. Not reporting can lead to a lower payment or a refusal when you claim, while reporting usually costs no more than an adjustment to the premium.
Why does my application sometimes fail online?
Standard forms are set up for ordinary situations. A thatched roof, a listed building, letting, letting by the room, an imported vehicle or a claims history falls outside automatic acceptance. The application is then refused or passed on for manual assessment. An adviser can put such a risk to insurers that do accept it.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- The online insurance processApplication, acceptance, policy
- Insuring online: who is who in the market?Insurer, comparison site, adviser
- How do you take out insurance?Risk, cover, application
- The risks of a policy you have never read throughExecution only, duty of disclosure, sum insured
- Bovemij and your insuranceMobility, independent advice, policy conditions
- Ansvar and your insuranceIndependent advice, comparison, policy conditions
- Insuring your motor vehicle onlineArticle 2 WAM, registration, type of cover
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
Read more
Have your application checked first?
Request a quote without obligation. We will check your statement and the conditions before the policy starts.
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 compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.