The combined policy from OOM Verzekeringen
Some properties do not fit into a standard business package. A combination policy brings the building, its contents and liability together on one schedule, with the clauses that such a property calls for.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- 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
Finass acts as an intermediary through, among others, OOM Verzekeringen and is not tied to it. We compare several insurers objectively. We use this company for properties and situations where the mainstream market is reticent: premises with varying use, a property with a foreign owner, a building that stands empty for part of the year. A combination policy bundles the building, business contents, liability, glass and sometimes business interruption on one contract for that purpose.
The gain lies not in the discount but in the coherence. With separate policies for the building and the contents, a claim brings a discussion about which policy an item falls under: is a fixed counter business contents or part of the building, does an outdoor unit belong to the installation or to the premises. On one contract with the same conditions and the same loss adjuster, that boundary disappears. For an unusual property that matters more than for an ordinary office building.
What remains is the liability as owner. Under Article 6:174 of the Dutch Civil Code you are liable where a structure does not meet the standards that may be expected of it and thereby creates a danger: a roof panel coming loose, a subsided terrace, a fence blowing over. You do not need to have done anything wrong. For a building with several users this weighs even more heavily, see the multi-tenant building.
This page deals with one situation. The full overview is on SME insurance package.
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We compare your insurance package across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Get coveredWhy 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.
The clauses that make the difference
Four provisions that steer the cover on a combined property policy.
Vacancy narrows the cover automatically
If the property stands empty for longer than the period named in the conditions, the cover falls back to a limited set of perils, usually only fire, storm and lightning. Burglary, vandalism, water damage and glass then drop out. So report vacancy in advance; reporting afterwards does not restore the cover for the intervening period.
A change of use or of tenant
A storage space that becomes a workshop, a clubhouse that is sublet, premises where naked flames are now used: that is a change of risk within the meaning of Article 7:928 of the Dutch Civil Code. If it is not reported, the insurer can reduce or refuse the payout at a claim under Article 7:930 of the Dutch Civil Code, even if the loss had nothing to do with the change.
Maintenance, construction and gradual effects
Outstanding maintenance, wear, construction defects, wood rot and slowly penetrating damp are excluded on every buildings section. In an older or rarely used property that is the most common ground for rejection, because a leak there rarely arises in a single night. Flooding from a primary flood defence and earthquake also remain outside the cover.
Sums insured and the principle of indemnity
Each section has its own sum insured. If the rebuild value is set too low, underinsurance follows and the payout is proportionate. Conversely, Article 7:960 of the Dutch Civil Code prevents you from profiting from the loss. For a property that is hard to value, a valuation is the way to settle that discussion beforehand rather than afterwards.
What does your premium depend on?
- Nature and use of the property: storage, workshop, letting or recreational use
- Construction type and state of repair: materials, roof covering and age
- Occupancy rate: permanent use, seasonal use or vacancy
- Sections chosen: building, contents, liability, glass or business interruption
- Security and supervision: fencing, alarm, camera surveillance and key management
- Location: a remote site, a coastal zone or an inner-city location
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Buildings section | Liability section |
|---|---|---|
| A storm tears the roof covering off the property | Yes | No |
| A roof panel comes loose and blows onto a visitor's parked car | No | Yes |
| A visitor falls through a subsided terrace and breaks a wrist | No | Yes |
| A burst pipe damages the floor finish and the furniture inside | Provided that | No |
| Goods you are storing in the property for someone else are damaged | No | No |
| A heavy fall of wet snow causes part of the roof to give way | Yes | No |
Contents form a section of their own with their own sum insured. Without a declaration, damage to machinery, stock or third-party materials is not included.
Frequently asked questions
This is what people ask us most.
Who is a combination policy intended for?
For owners of properties that do not fit into a standard package: unusual buildings, premises with varying use, properties with a foreign owner or situations where no one is present for part of the year. An ordinary business property with permanent occupation is almost always better value under a regular package. We calculate both options for you.
Are the contents automatically included?
No. The building and the contents are separate sections with their own sums insured. What is in the property in the way of machinery, furniture, stock or third-party materials has to be declared separately. Goods you store for someone else also call for attention, because damage to them touches on the care, custody and control exclusion in the liability section.
What happens with a claim during a period of vacancy?
The limited set of perils from the vacancy clause then applies. Fire and storm usually remain covered, but vandalism after a break-in, theft of pipework and water damage from a burst pipe drop out. So report vacancy as soon as it arises, so that adjusted cover can be agreed if necessary.
Does the policy also apply to a property abroad?
That depends on the cover chosen and the country. We use OOM Verzekeringen precisely for cross-border situations, such as property outside the Netherlands or foreign interested parties in a Dutch property. See also doing business abroad; the territorial limit is always stated on the policy schedule.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- SME insurance packageAll sections, one policy, package discount
- Compare exclusive insurance packagesOne policy, one point of contact ·. A valuation as the basis
- Compare personal insurance packagesOne policy schedule, package discount, one point of contact
- Home packageBuildings, contents, the fit between them
- Insuring a building, site or object through OOMOwner's liability, voids, abroad
- Insuring through OOM VerzekeringenCross-border, unusual items, acceptance
- Business 1packageSections, package discount, en bloc clause