What is included
- Kitchen and bathroom
- Floors and ceilings
- Walls and fitted cupboards
Insuring an owner's interest in a VvE
The kitchen you had installed does not belong to the VvE, because the VvE did not pay for it. And it is not home contents, because it is fixed in place. The owner's interest falls precisely in between.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
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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
Owner's interest is everything you as a flat owner installed yourself and that has become permanently attached to the building: kitchen, bathroom, sanitary ware, parquet or poured floor, partition walls, fitted cupboards, lighting and an extension on the balcony.
The buildings insurance held by the VvE covers the building as it was completed. What an individual owner has had installed since then in principle falls outside it. And your home contents insurance covers movable property; anything fixed in place is not that.
In a fire or a major leak this is the most common disappointment: the VvE policy restores the structural condition, your contents policy pays for your belongings, and the twenty-five thousand euro kitchen falls between the two.
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Owner's interest with a VvE: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Where you insure it
As a section on your contents policy or through the VvE.
- Your own home contents insurance
- Collectively through the VvE
- Separate sum insured
Setting the value
Work with replacement costs, not with what you once paid.
- Building costs are rising
- Keep the invoices
- Update after refurbishment
What is covered
| Situation | VvE policy | Home contents | Owner's interest |
|---|---|---|---|
| The structural condition of the building | Yes | No | No |
| Your furniture and appliances | No | Yes | No |
| A kitchen you installed | No | No | Yes |
| A poured floor you laid | No | No | Yes |
| A partition wall you installed | No | No | Yes |
| Wear and deferred maintenance | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Sum insured for the owner's interest: the main basis for calculation
- Type of flat and year of construction
- Whether or not it is arranged collectively through the VvE
- Type of cover chosen: extended or comprehensive
- Use: owner-occupied or let
- Excess
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover 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 in practice
Four points that make the difference between a policy that pays out and one that does not.
Two routes; choose one deliberately
Some VvEs include the owner's interest collectively on the buildings policy, with a fixed amount per flat. If your VvE does not, you include it as a section on your own home contents insurance. Ask the board what has been arranged collectively before you take anything out yourself; double insurance is common here.
Work with today's replacement costs
The kitchen you had installed eight years ago for eighteen thousand euros costs considerably more today. Insure for what it costs now to have the same thing installed, including removal, disposal and fitting. Keep the invoices and photographs. That is the file on which a claim is paid.
Update after every refurbishment
A new bathroom, an extended balcony or a poured floor changes the amount immediately. This is the section that is most often out of date, because nobody thinks about the policy at the moment the builder finishes. Put it on the list at completion.
With letting it is different
If you let the flat, the owner's interest is part of your let property and belongs on a landlord's cover, not on a private contents policy. Report the letting. Without a declaration, damage during that period falls outside cover.
Frequently asked questions
This is what people ask us most.
What exactly is owner's interest?
Everything you as a flat owner had installed that has become fixed in place: kitchen, bathroom, floors, walls, fitted cupboards. It falls outside the VvE policy and outside your contents cover.
Why does the VvE policy not cover that?
It insures the building as completed and in communal ownership. What an individual owner installed afterwards was not paid for by the association and in principle falls outside it.
How do I set the amount?
With today's replacement costs, including removal, disposal and fitting. Not with what you paid at the time; building costs have risen considerably in recent years.
Do I insure it through the VvE or myself?
Both occur. Ask the board what has been arranged collectively and for what amount per flat. If there is nothing or the amount is too low, include it on your own home contents insurance.
What if I let the flat?
It then belongs on a landlord's cover and not on a private contents policy. Report the letting, otherwise damage during that period falls outside cover.
Do I have to report anything after a refurbishment?
Yes, straight away. A new kitchen or bathroom changes the amount immediately, and this is the section that most often turns out to be out of date at the moment of a claim.
Every situation is different. For these situations we have a separate page.
- Compare buildings insurance (opstalverzekering)The main page
- Buildings insurance (opstalverzekering) for an apartmentThe VvE insures, owner's interest ·. What you arrange yourself
- Is a kitchen home contents or buildings?Fixed is structure, loose is contents, tenant's interest
- Is my kitchen covered by the buildings insurance (opstalverzekering)?Owner-occupied home, flat, rented home
- Is a PVC floor buildings or contents?Glued or loose, tenant's interest, owner's interest
- VvE insurance and your own home: who insures what?Building, owner's interest, home contents
- The VvE's buildings insurance (opstalverzekering)Deed of division, rebuild value, owner's interest
- Buildings insurance (opstalverzekering) for an apartmentThe VvE insures the building, owner's interest, excess
- Buildings insurance (opstalverzekering) for a rented homeThe landlord insures, tenant's interest, contents
Read more
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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.