Application and details
- Object, value and use
- Claims history over recent years
- Questions about any criminal record
- Supplying documents digitally
The online insurance process
Taking out insurance online is quick, but more happens in those minutes than you see. Below you can read which steps an application goes through and at which points you need to check something.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
The online process has four stages: application, acceptance, policy and, if things go wrong, claims handling. In the application stage you enter details about the object to be insured, your situation and your claims history. Those answers form the basis of the contract; under Article 7:928 of the Dutch Civil Code you must give them correctly and in full.
The insurer then assesses whether it wants to take on the risk. Many applications run through automated acceptance and are settled within minutes. If something is out of the ordinary, such as a thatched roof, a high value, a business at home or earlier claims, a manual assessment follows and sometimes an additional question, a valuation or an prevention requirement in the policy.
Once the application has been accepted you receive the policy schedule, the conditions and the insurance card (verzekeringskaart). Check those documents straight away: the policy schedule determines what is insured, not the application screen. If something is wrong, report it immediately. See also what we arrange for you online.
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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The stages of an online application
Three moments at which you have to do or check something yourself.
Acceptance and conditions
The insurer decides whether, and on what conditions, it takes on the risk.
- Assessed automatically or manually
- Sometimes a valuation or inspection is required
- Prevention requirements as a clause
- Refusal or a different premium is possible
Policy and administration
You receive the documents and keep the details up to date.
- Policy schedule, conditions, insurance card
- Statutory cooling-off period for distance selling
- Reporting changes
- Reporting a claim through your adviser
What is covered
| Situation | Fully digital | With an intermediary |
|---|---|---|
| Completing the application and uploading documents | Yes | Yes |
| Immediate acceptance without further questions | Provided that | Provided that |
| A check that the cover chosen suits you | No | Yes |
| Cancellation of the existing policy arranged | No | Yes |
| Unusual risks such as thatch, a listed building or a high value | No | Provided that |
| An incorrect statement put right before a loss occurs | No | Provided that |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before taking out the policy.
What does your premium depend on?
- Type of cover chosen: limited, extended or comprehensive
- Sums insured: sums insured and limits
- Excess: higher excess, lower premium
- Claims history: previous claims count
- Postcode area: burglary, storm and water risk
- Package and payment frequency: bundling and paying annually make a difference
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 your digital policy holds up when you claim.
A form filled in quickly is a contractual statement
What you tick counts as your statement. A forgotten claim from the past, a sum insured that is too low, letting, renting out rooms or business use of a private car: these are not details but risk information. Breach of the duty of disclosure under Article 7:928 of the Dutch Civil Code can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code). If you are unsure whether something is relevant, report it; at most it costs premium.
Taking out cover digitally does not change the exclusions
The channel says nothing about the cover. A policy concluded online likewise does not cover intent or recklessness (Article 7:952 of the Dutch Civil Code), not wear, deferred maintenance or construction defects, nor damage that already existed before the cover began. There is often also a waiting period on legal expenses cover and an exclusion for disputes already running. Report a claim as soon as is reasonably possible, as Article 7:941 of the Dutch Civil Code requires.
Frequently asked questions
This is what people ask us most.
When does cover start with an online application?
On the start date shown on the policy schedule, not at the moment you click send. As long as the insurer has not accepted the application, there is no cover. If you want cover to start immediately, say so and check the confirmation. When switching, it is wise to let the old policy end only once the new one is settled.
Can I still cancel insurance taken out online?
For non-life insurance concluded at a distance there is in principle a statutory cooling-off period within which you can cancel without giving a reason. That period is set out in the policy conditions and in the confirmation you receive. After that the notice period in the conditions applies; most non-life policies can be cancelled on any day after the first year.
What if the insurer refuses my application?
An insurer may refuse a risk or accept it only on different conditions, for example where there is a claims-heavy history, an unusual building or a high value. Usually there is another insurer that will take the risk, possibly with a higher excess or a prevention clause. You must report a refusal on any later application.
Are digital policy documents legally valid?
Yes. The policy schedule, the conditions and the insurance card have the same value digitally as on paper. Keep them somewhere you can find them quickly when you claim, and keep the version of the conditions that applied when you took out the policy. In a dispute it is the conditions applicable at that time that are considered.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- How do you take out insurance?Risk, cover, application
- Taking out insurance onlineApplication, acceptance, cooling-off period
- Bovemij and your insuranceMobility, independent advice, policy conditions
- Ansvar and your insuranceIndependent advice, comparison, policy conditions
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
- Insuring your motor vehicle onlineArticle 2 WAM, registration, type of cover
Read more
Prefer a check before you take out cover?
Request a quote without obligation. We will go through your details and the conditions with you.
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.