One policy schedule · package discount · one point of contact
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.
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.
Work out your own premium with the calculator.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The structure of the cover in three parts, with an overview per situation below.
The sections
What you can bundle
Almost every private policy can go into the package.
Buildings and contents
Liability and legal expenses
Car, scooter and caravan
Travel and cancellation
The financial benefit
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
Often the real reason
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.
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.
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 why comparing pays off.
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.
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.
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.
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.
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