By type of loss · keeping records · arranging in advance

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.

Deze pagina in het Nederlands: Welke documenten heeft u nodig bij schade?.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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.

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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.

What is covered and what is not

What you can prove determines what is reimbursed

Situation	Extended	Comprehensive
Storm damage to the roof tiles, evidenced with photographs and a repair estimate	Yes	Yes
Theft from the shed that you report without a police report	No	No
Tracing and repairing the leaking pipe itself, alongside the wet floor	No	Yes
A missing watch for which you have no valuation report and no purchase receipt	Provided that	Provided that
Scratches in the parquet floor that you only report months after the incident	No	Provided that
Damage to an extension that was never notified to the insurer	No	No

Report a loss before you clear up or have repairs carried out. Afterwards the cause often can no longer be established.

Which documents do you need when you have a claim?

Always

For vehicle damage

For damage to the home

What you can do now

Read more

Within Over ons

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Service

Frequently asked questions

What is covered and what is not

Which documents do you need when you have a claim?

Always

For vehicle damage

For damage to the home

What you can do now

Read more

Within Over ons

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Service

Frequently asked questions

What is covered and what is not

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