What you can bundle
- Buildings and contents
- Liability and legal expenses
- Car, scooter and caravan
- Travel and cancellation
Compare personal insurance packages
A package is not a separate insurance policy but a way of bundling your policies: one policy schedule, one payment date, one point of contact and a discount that rises as you take more sections.
- 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
In a private insurance package you bring your separate policies together in one agreement: buildings, home contents, liability, legal expenses, motor, travel and whatever else you need.
The benefit is threefold: package discount which usually rises with each section added, one renewal date instead of ten different ones, and one file in which everything is together at a claim.
It is not an automatic saving. A package is good value if the individual premiums are in line with the market. If one section is considerably more expensive than elsewhere, the discount cannot make up that difference. That is why we calculate both options.
Independent, personal, sorted quickly
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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What does the private insurance package cover?
The structure of the cover in three parts, with an overview per situation below.
Package discount
The discount rises with the number of sections.
- Usually from two or three sections
- An increasing percentage
- Applies across the whole package premium
Convenience
A clear overview and one point of contact at a claim.
- One policy schedule
- One payment date
- One file at a claim
What is covered
| Point | Package | Separate policies |
|---|---|---|
| A discount for holding several policies | Yes | No |
| One policy schedule and payment date | Yes | No |
| Choosing the keenest provider for each section | No | Yes |
| One point of contact for claims | Yes | Sometimes |
| Cancelling an individual section without consequences | No | Yes |
| Automatically the best cover | 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?
- Number of sections chosen: determines the discount percentage
- The underlying premiums for each section
- The types of cover and excess chosen
- Payment term: paying annually is usually better value
- Claims history
- Place of residence and household composition
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
A discount is no guarantee of the lowest price
Compare the package premium with the total of the keenest individual policies. If one section is expensive, the discount will not make up for it.
Cancelling one section affects the rest
If you take a section out, the discount on everything that remains goes down. Take that into account before you cancel anything.
Cover still differs from section to section
A package says nothing about the quality of the underlying cover. Look at the conditions for each section, not just at the total price.
Report changes centrally
Moving house, a new car or a refurbishment often affects several sections at once. That is precisely the practical advantage: one notification is enough.
Frequently asked questions
This is what people ask us most.
What exactly is an insurance package?
An agreement in which several private insurance policies are brought together. You get one policy schedule, one payment date and a discount that rises with the number of sections.
Is a package always cheaper?
No. It is better value if the individual premiums are in line with the market. If one section is expensive, the discount cannot make up that difference. We calculate both options for you.
Can I cancel one section?
You can, but it lowers the discount on the remaining sections. Work out what is left on balance before you do so.
Do I also get one claim file?
Yes, and for related losses that is a real advantage. In a fire, for example, the damage affects both your building and your contents; those are then handled in one file.
Can I transfer my existing policies?
Usually yes, at each contract renewal date. We map out the notice periods and make sure no gap in cover arises.
What is the difference from an exclusive package?
The exclusive package is intended for higher values: wider limits, valuations instead of value calculators and personal claims handling.
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
- The personal insurance packageOne policy schedule, sections, package discount
- Insurance package for private individualsOne policy schedule, package discount, separate conditions
- SME package: sections without gaps between the policiesOne policy, no seams, one file
- A package policy or separate policies as a self-employed professionalSections, renewal, coherence
- The home package for private clientsBuildings, contents, liability
Read more
Ready to compare?
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.