Insuring through OOM Verzekeringen
OOM is one of the companies with which Finass can place policies, with a range that begins where the standard market stops: outside the Netherlands, and for items that do not fit an ordinary acceptance framework.
- 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
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
Most Dutch policies assume two things: that you live here, and that the insured item is an ordinary house, an ordinary car or ordinary contents. As soon as one of those does not hold, an application falls outside the standard acceptance framework. That is OOM's field of work: on the one hand living, working and travelling across borders, and on the other objects that call for individual assessment. Finass acts as an intermediary in this and also compares the offerings of several insurers objectively.
The first group consists of people whose insurance position changes with their registration at the municipality: expats, emigrants, pensioners abroad, international students and foreign nationals staying here temporarily. For them there are medical expenses, liability and contents covers that are not tied to a Dutch home address. For entrepreneurs there is also a line around doing business across the border.
The second group consists of buildings, sites and objects with an unusual use: a houseboat, a tiny house, a beach hut, a grave memorial or a storage unit. These items are often not fixed to the ground, stand unattended for part of the year or have no address in the usual sense. That makes the description on the policy schedule more important than the name of the cover.
This page deals with one situation. The full overview is on SME insurance package.
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.
Insurers
Independent
AdviceWhy 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.
What to look out for
Four points that weigh more heavily than the premium where risks are unusual.
The description of the item is the cover
For unusual items there is no standard definition. The construction, the foundation or floating body, the mooring or standing place, the year of construction and the use are recorded individually. If reality differs from that, for example because a chalet has been extended or a boat has been moved, the cover no longer fits. Report such changes before the season starts.
Use: own use, letting or vacancy
For an insurer, letting is a different risk from your own use, and vacancy is a third again. If an item is not used for a longer period, many policies limit cover to a short list of events. If you let a holiday property, choose the business versionexpressly; otherwise the private policy does not apply.
Your insurance position depends on your registration
Deregistering at the municipality ends the obligation to hold basic health insurance and removes the basis for your Dutch liability and contents policies. Arrange the new cover with the same start date. A gap of a few weeks cannot be repaired afterwards, and it is precisely in that period that an accident is uninsured.
What falls outside the cover
Whatever the item, fixed exclusions apply: wear, rot and deferred maintenance, storm and water damage to items not built to withstand it such as free-standing outbuildings and sun blinds, and flooding from a primary flood defence. For medical expenses, pre-existing conditions and stays in areas under a negative travel advisory remain outside the cover.
What does your premium depend on?
- Country or location of the risk: determines both the level of medical costs and the level of claims
- Nature and construction of the item: material, year of construction and anchoring
- Type of use: own use, letting or seasonal use
- Sum insured or rebuild value: for unusual items often based on a valuation
- Length of the stay or of the contract: a temporary stay weighs differently from settling permanently
- Outcome of the acceptance process: may lead to clauses or an exclusion
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | At Finass Verzekert | With the provider |
|---|---|---|
| You have deregistered from the Netherlands and are looking for liability cover that continues | Yes | Yes |
| You want to insure a houseboat with a concrete hull at a permanent mooring | Yes | Provided that |
| You want to see the offerings of thirty companies side by side before you choose | Yes | No |
| You want to insure a beach hut that is dismantled every autumn | Yes | Provided that |
| You want to keep your Dutch basic health insurance after deregistering at the municipality | No | No |
| An international student is coming here for ten months and needs medical expenses cover | Yes | Yes |
We are tied to no company; which party it becomes follows from the item and from your registration.
Frequently asked questions
This is what people ask us most.
Why does an ordinary insurer decline my application?
Usually not because the risk is unacceptable, but because it does not fit the automated acceptance framework. An item without an address, a living situation without Dutch registration or a form of use the system does not recognise falls out of it. An intermediary puts such an application to parties that do assess the risk manually.
What do I have to state in the application?
Everything you can appreciate is relevant to the assessment: previous claims, a refusal or cancellation by another insurer, the actual use of the item and your state of health where medical expenses cover is concerned. That follows from Article 7:928 of the Dutch Civil Code. If the declaration is incorrect, the insurer may reduce or refuse the payout under Article 7:930 DCC.
Is travel insurance enough for a long stay?
No. Travel insurance has a maximum continuous trip length and assumes you will return to your home address in the Netherlands. Anyone settling elsewhere or staying away for months falls outside that design. From that point you need cover designed for staying abroad, with its own medical acceptance.
Does my Dutch liability insurance continue to apply?
Only during a temporary stay abroad, not when living there permanently. Damage caused with a motor vehicle also remains excluded at all times. For that, the compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM) or its equivalent in the country of registration applies. At personal liability you can read how that is arranged outside the Netherlands.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Insuring a tiny house for private use through OOM VerzekeringenMain residence, pitch, self-build
- Insuring a tiny house for business use through OOM VerzekeringenMovable or immovable, relocation, off-grid
- Houseboat insurance for private individuals through OOM VerzekeringenHull and superstructure, mooring, inspection
- Insuring a beach house for private use through OOM VerzekeringenSeasonal siting, storm and sea, private use
- Business houseboat insurance through OOM VerzekeringenHull, mooring, letting
- a.s.r. verzekeringenIntermediary services, acceptance policy, comparing conditions