The sections
- Home: buildings, contents, glass
- Personal: liability, legal expenses, travel
- Traffic: car, motorcycle, motorhome
The personal insurance package
In a package your private insurance sits as sections on one policy, with one company. That gives a clear overview, but it is not the best choice in every situation.
- 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
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 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
A private insurance package is one agreement in which several covers are included as sections: buildings, home contents, glass, liability, legal expenses, travel, personal accident and often the motor vehicles as well. You get one policy schedule, one contract renewal date and one direct debit. Each section does keep its own conditions, sums insured and excess.
The advantage lies in the overview and usually in a package discount that rises as you take more sections. The disadvantage is that you tie yourself to one company. If you have an unusual risk, such as a thatched roof, a listed building, a classic car or valuables, the specialist insurer is often stronger on conditions than the package. So have not only the discount but also the conditions for each section compared.
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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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How a package is put together
Three things determine whether a package works in your situation.
The package discount
A percentage that usually rises with the number of sections.
- Partly lapses if you cancel a section
- Does not make up for poor conditions
- Paying annually often saves extra
One policy, one renewal date
A clear overview in exchange for being tied to one company.
- Reporting changes in one go
- Duplicate cover shows up more quickly
- Unusual risks do not always fit
What is covered
| Situation | Package | Separate policies |
|---|---|---|
| All covers on one policy schedule | Yes | No |
| One contract renewal date for the whole | Yes | No |
| A discount that rises with the number of sections | Provided that | No |
| Choosing a different company for each cover | No | Yes |
| Including health insurance as a part | No | No |
| New risks automatically included | No | No |
Each section has its own conditions, limits and exclusions. These are set out in the policy conditions and on the insurance card (verzekeringskaart) for that part.
What does your premium depend on?
- Number of sections: determines the package discount
- Sums insured: rebuild value and contents value
- Type of cover for each section: basic, extended or all risks
- Excess: higher risk, lower premium
- Town and type of home: burglary, storm and water risk
- Payment term: paying annually is often cheaper
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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.
What to look out for
Two points that determine whether a package really gains you anything.
A discount is not cover
A package tells you what you save, not what you are missing. For each section, check the sum insured, the excess and the maximum amounts for jewellery, audiovisual equipment or tenant's improvements, for example. Look for overlap too: glass that appears on both the buildings and the home contents section is paid for twice while you can only claim it once. A sum insured that is too low leads to underinsurance, with the payout made proportionately.
The usual exclusions remain in place
In every section the following remain outside the cover: intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults and damage caused by war risks or a nuclear reaction. Business use and damage that already existed when the policy was taken out also fall outside it. Report changes such as a refurbishment, letting a room or running a business from home: on entering into the contract, Article 7:928 of the Dutch Civil Code and a breach can reduce the payout (Article 7:930 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Which policies can I include in a package?
Usually buildings, home contents, glass, liability, legal expenses, travel and personal accident, and with many companies the motor vehicles as well. Valuables can sometimes be included as a separate section. Health insurance does not belong in it: that falls under the Dutch Health Insurance Act and you take it out directly with a health insurer. Which sections are available differs from one company to another.
Do I lose the discount if I cancel one section?
Usually yes, in whole or in part. The discount is linked to the number of sections. If one falls away, the discount percentage is set again and the premium of the remaining parts rises. Take that into account before you place one cover elsewhere, because the benefit may then turn out smaller than it looks.
Can I cancel the package during the term?
Most general insurance policies can be cancelled on any day after the first contract year, with a notice period of usually one month. In the first year the contract term often applies. With a package you can usually also end individual sections. Check this in your policy conditions and make sure replacement cover starts without a day's gap.
Is one company for everything a sensible idea?
For ordinary situations it works well and gives you an overview and a discount. If you have a thatched roof, a listed building, a let property, a classic car or valuable jewellery, the conditions at a specialist insurer are often better. A combination of a package with one separate specialist policy is then a realistic option.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Insurance package for private individualsOne policy schedule, package discount, separate conditions
- Compare personal insurance packagesOne policy schedule, package discount, one point of contact
- Other insurance not included: what is not in your package?Package policy, separate policies, gaps in cover
- The home package for private clientsBuildings, contents, liability
- Which personal insurance do you need?Home, liability, transport
- Home packageBuildings, contents, the fit between them
- SME insurance packageAll sections, one policy, package discount
- A package policy or separate policies as a self-employed professionalSections, renewal, coherence
A package or separate policies?
Request a quotation without obligation. We work out both routes on premium and on conditions.
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. Last updated on .
The information on this page is general in nature and is not personal advice.