Which documents do you need when you have a claim?
With every claim an insurer asks for evidence. What you keep in advance determines how quickly it goes.
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Always
Your policy number, a description of what happened with the date and time, and photos of the damage.
For theft, burglary, vandalism and a collision with an unknown party: a a police report to the police. Without a police report a claim is almost never paid.
For vehicle damage
The European Accident Statement, witness statements and a repair estimate or invoice. In the event of a total loss, also the registration document and the keys.
For damage to the home
Purchase receipts or bank statements for the damaged items, photographs of the situation before clearing up, and, in the case of a leak, the leak detection report.
For valuables, the valuation report; without a valuation you will be arguing about the value afterwards.
What you can do now
Make a photographic record of your home and contents, room by room, and keep it away from the house or in the cloud.
Record the serial numbers of valuable equipment and keep receipts for major purchases. In the event of fire or theft, that is the difference between proving and estimating.
Personal advice, not a call centre
Finass Verzekert is a licensed, independent firm. You get one advisor who knows your situation — including the moment a claim actually happens and it matters most.
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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.
Frequently asked questions
This is what people ask us most.
What does the insurer always need?
Your policy number, a description with the date and photographs of the damage.
When is a police report needed?
For theft, burglary, vandalism and a collision with an unknown party. Without a police report a claim is almost never paid.
What about valuables?
The valuation report. Without a valuation, disagreement about the value arises.
What can I prepare now?
A photographic record of your contents and a record of serial numbers, kept away from the house.
Do I have to keep receipts?
For major purchases, yes; they are your evidence when there is a claim.
What if I do not have receipts?
Bank statements, photographs or a valuation can also serve as evidence.