Insurer or underwriting agent
- Establishes the policy conditions
- Is supervised by DNB
- Handles the claim
Insurer · comparison site · adviser
Insuring online: who is who in the market?
Behind an online application there are several parties, each with its own role and liability. Below you can read who does what and what to look out for.
- 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: Online verzekeren: wie is wie in de markt?.
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
On the internet four roles run into each other. The insurer carries the risk and draws up the conditions. An authorised agent may accept risks and handle claims on behalf of an insurer. A comparison site sets premiums side by side and earns from referrals. An insurance adviser such as our office advises, acts as an intermediary and supports you when you claim. Only the first two decide on your payment.
Financial service providers are supervised: the AFM oversees the way advice is given and products are sold, De Nederlandsche Bank the soundness of insurers. Our office is registered with the AFM under 12016589 and is affiliated to Kifid under 300.012144. For every product you should receive, before taking out cover, an insurance card (verzekeringskaart) : a standardised summary on two pages. That card does not replace the policy conditions; the exclusions are set out there in detail.
Who does what online
Three parties you come across in an online application, each with a different responsibility.
Comparison site
Sets premiums side by side on the basis of what you enter.
- Rarely shows all the exclusions
- Not every provider takes part
- Gives no personal advice
Insurance adviser
Assesses the conditions and matches the cover to your situation.
- Records the advice
- Arranges changes and cancellation
- Supports you when you claim
What is covered
| Situation | Comparison site | Adviser |
|---|---|---|
| Setting the premiums of several providers side by side | Yes | Yes |
| Assessing conditions and exclusions on their merits | No | Yes |
| Recording advice that matches your situation | No | Yes |
| Placing unusual risks, such as thatch or letting | No | Provided that |
| Support when a claim is rejected | No | Yes |
| Deciding on acceptance and payment | No | No |
The insurer or underwriting agent decides on cover; an adviser or comparison site cannot take that decision over.
What to look out for online
Two points that determine whether a policy chosen online performs in practice.
The lowest premium is a result, not a quality
Differences in price rarely come from nowhere. A lower premium often comes from a a higher excess, a a more limited form of cover, lower maximum amounts or the absence of a guarantee against underinsurance. So always compare the same form of cover, the same excess and the same sums insured, and check whether the premium shown includes the insurance premium tax of 21% or not.
Exclusions are rarely on the comparison screen
With almost every non-life insurance the following fall outside the cover: intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults, damage caused by war risks, earthquake or a nuclear reaction and flooding caused by the failure of a primary flood defence. When the contract is entered into, the duty of disclosure in Article 7:928 of the Dutch Civil Codealso applies: if you enter something incorrectly online, the payment can be reduced (Article 7:930 of the Dutch Civil Code).
What does your premium depend on?
- Type of insurance — home, traffic or liability
- Type of cover — basic, extended or all risks
- Sums insured — level of cover
- Excess — higher risk, lower premium
- Personal details — age, postcode, claims history
- Payment term and package — annual payment and combination discount
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Is insurance taken out online legally valid?
Yes. Insurance concluded at a distance is an ordinary contract; you receive the policy schedule and the conditions digitally. When concluding at a distance there is normally a cooling-off period of fourteen days in which you can withdraw without giving a reason. Keep the confirmation and the conditions as they applied on the start date.
What is the difference between advice and execution only?
With execution only you choose yourself and nobody checks whether the product fits; the consequences of a wrong choice are yours. With advice the adviser takes stock of your situation, gives reasons for the choice and records it. That difference counts as soon as a claim is refused because the cover turned out not to fit your situation.
Where do I find reliable information about an insurer?
In the AFM register you can see whether a provider or intermediary holds a licence. De Nederlandsche Bank supervises the financial soundness of insurers. For the content of a product the insurance card and the policy conditions are decisive, not the text on a comparison or advertising page.
What can I do if my claim is refused?
Ask the insurer for written reasons with a reference to the article in the conditions. If your policy runs through an adviser, that adviser conducts the conversation on your behalf. If the dispute remains, you can put it to Kifid; our office is affiliated there under number 300.012144. The route to the courts remains open.
Prefer to have someone looking over your shoulder?
Request a quote without obligation; we will set the premium and the conditions of several insurers side by side.
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.