No finance advice · insuring the security · referral

Property finance and your insurance

We hold a licence for general insurance, not for credit. What we explain here is the insurance side of your finance: which policy the lender requires and what goes wrong in it.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Vastgoedfinanciering en uw verzekering.

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
We arrange the switch, including cancellation

Get in touch

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

In brief

Finass Verzekert (AFM 12016589) advises and acts as an intermediary in non-life insurance. Property finance falls under a different licence category. We do not advise on it, do not act as an intermediary and make no offers. We refer you to a party that does hold that licence.

Please note: borrowing money costs money. Compare offers on the annual percentage rate (APR), not on the monthly payment: a lower monthly payment often just means a longer term. For consumer and mortgage credit, every licence holder consults BKR (the Dutch credit register) from 250 euros upwards with a term longer than one month. For business finance those rules do not always apply. In that case ask about the total costs yourself.

Almost every lender requires as a condition that the security is insured on rebuild value, with the lender noted on the policy as an interested party. That is our field: buildings insurance for commercial property, glass, loss of rent and liability.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what: we or the lender?

First the division of roles in three cards, then who carries out each task.

Different licence

What we do not do

We leave the loan itself to a licensed specialist.

No credit or mortgage advice
No application or intermediary services
No rates or borrowing capacity

Your checklist

What to look out for

What to check before you sign a finance proposal.

A licence in the AFM register
Total costs over the term
The insurance requirements in the offer

Our profession

What we do provide

The general insurance policies on and around the financed property.

Buildings insurance at rebuild value
Glass and loss of rent
Liability and environmental damage

What is covered

Situation	At Finass Verzekert	With the licensed provider
Advice on the form of finance, the term and the security	No	Yes
Valuation of the market value for the finance	No	Yes
Statutory credit information and APR	No	Yes
Buildings insurance at rebuild value	Yes	No
Recording the lender as an interested party	Yes	Provided that
Liability as the owner of the building	Yes	No

What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before you take out the policy.

Where the insurance side gets stuck

Four points on which a finance file is delayed.

Rebuild value and market value diverge

The finance hangs on the market value, the insurance on what rebuilding costs. For older or unusual property the rebuild value is often higher than the sale proceeds. Have both established separately. A valuation under 7:960 DCC prevents a reduction for underinsurance.

Buildings, commercial property

The actual use determines acceptance

A building with catering, storage of hazardous substances or a solar roof is assessed differently from an office. If the declaration is not correct, the insurer can rely on 7:928 DCC and the payout under 7:930 DCC reduce or refuse the payout.

Types of property

Liability is not part of buildings cover

As the owner you are, under 6:174 DCC liable for defects in the building, even without any blame. Think of facade cladding coming loose or a slippery entrance. That is a separate policy, and many lenders ask about it expressly for let property.

Property liability

Soil contamination falls outside the premises policy

Damage to soil and groundwater is excluded as standard on a premises insurance policy, as are earthquake, flooding from primary flood defences and deferred maintenance. For the environmental risk you need a separate environmental damage policy; where there are tanks or workshops, a lender may require one.

Environmental damage, property

What to look out for when comparing

AFM licence: is the provider listed in the public register
APR rather than the monthly payment: only that percentage makes quotes comparable
Total cost of credit: the amount over the full term, not per month
Penalty-free repayment: how much you may repay without a charge
Insurance requirements: which policy, which value and which endorsement
Duty to notify: report use, vacancy and building work in good time

This overview is general in nature and is not personal advice.

How it works

You look for a licensed partyCheck that first in the AFM's public register.
You read the insurance requirementsThey are in the offer, usually among the conditions precedent.
We arrange the policyThe building on rebuild value, with the right endorsements.
We keep it up to dateIf the use or the value changes, we adjust the cover.

Get in touch

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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Can I arrange my property finance through Finass Verzekert?

No. Our AFM licence covers general insurance. For the finance we refer you to a party that holds a licence for it. We do remain your point of contact for the building, the glass, the loss of rent and the liability around the property.

Why does the bank want to be named on my policy?

Because the building is its security. With an endorsement as interested party, the lender knows that a payment after a fire will be spent on repair or repayment and will not end up elsewhere. It is a simple notification, but it must be in place before the deed is executed.

What is not covered on a premises insurance policy?

Wear and tear and deferred maintenance, construction and design faults, soil contamination, earthquake and flooding from primary flood defences fall outside cover as standard. Intent and recklessness are excluded as well; that follows from Article 7:952 of the Dutch Civil Code. Gradual penetrating damp is also almost never paid for.

Do I have to report a vacancy?

Yes. As soon as a building stands empty for longer than the policy allows, cover is usually reduced to fire, storm and lightning. So report it actively and ask about vacancy cover. You must also report a claim as soon as is reasonably possible, as Article 7:941 DCC requires.

Would you like to discuss the security?

For the finance we will refer you on. For insuring the building you can come to us.

Get in touch

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 written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Property finance and your insurance

In brief

Who does what: we or the lender?

What we do not do

What to look out for

What we do provide

Where the insurance side gets stuck

Rebuild value and market value diverge

The actual use determines acceptance

Liability is not part of buildings cover

Soil contamination falls outside the premises policy

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Also relevant

Service

Would you like to discuss the security?

About our service

Property finance and your insurance

In brief

Who does what: we or the lender?

What we do not do

What to look out for

What we do provide

Where the insurance side gets stuck

Rebuild value and market value diverge

The actual use determines acceptance

Liability is not part of buildings cover

Soil contamination falls outside the premises policy

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Also relevant

Service

Would you like to discuss the security?

About our service

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