Relationship · compared independently · advice from Finass
Relationship
The form of your relationship and the composition of your household determine who counts as an insured person on your personal policies, and that changes when you move in together, marry, have children or separate.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The personal liability insurance is sold in two forms: single or family. That is not an administrative choice but the description of the circle of insured persons. Under the family form, your partner and your children living at home are covered; under the single form, only you are. Anyone who leaves the old form in place after a house move or a new relationship only discovers this at the moment their partner breaks something.
The same applies more widely: home contents insurance assumes one household at one address, and a legal expenses policy has family cover alongside cover for one person. Insurers almost always tie the circle of insured persons to the address at which you are registered together. If you live together without joint registration, under many conditions your partner is not an insured person, however long the relationship has lasted.
If your situation changes, that is a change you must report. That follows from the duty of disclosure at inception (Article 7:928 of the Dutch Civil Code) and from the change-of-risk provisions in the conditions. Marrying, moving in together, a child going away to study, a divorce: these are all moments to set the policy schedules side by side. For the home itself, the buildings insurancealso applies, which is tied to ownership and not to the relationship.
The structure of the cover in three parts, with an overview per situation below.
Our starting point
Comparing independently
We compare Relationship with several insurers.
No ties to a single insurer
Advice tailored to your situation
We arrange the switch
What we do
What we do
At Finass
Direct with Relatie
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Relationship is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Single or family is the heart of the policy
The form chosen determines who can rely on the cover. Under family cover, the partner, the children living at home and usually guests and domestic staff as well are insured. Under single cover, you are the only insured person. If your partner causes damage to a third party while not named on the policy, they remain personally liable under Article 6:162 of the Dutch Civil Code and your insurer pays nothing.
Living together only counts once you are at one address
Conditions generally speak of persons with whom you live as a household at the same address. If your partner is still registered at their old address, they formally fall outside it. This particularly arises in the first year of living together, when both still have their own contents and liability policies. End one policy and extend the other, so that you do not pay twice and yet nobody falls outside cover.
When you separate, someone drops off the policy
As soon as the joint household ends, the departing partner is no longer an insured person. Whoever stays keeps the policy but must have the form adjusted; whoever leaves needs their own cover with immediate effect. Report the change in writing and note the date. If a claim arises in the period when nothing has been reported, you will be arguing afterwards about who was an insured person at that moment: with the obligation to report under Article 7:941 of the Dutch Civil Code as an added hurdle.
Children, pets and what is not covered
Children living at home are covered; many policies allow a child studying away from home to remain covered as long as they are unmarried. For your dog or cat you are liable as keeper under Article 6:179 of the Dutch Civil Code, and that risk is included in family cover. Excluded are: deliberately caused damage, damage insured persons cause to one another, damage involving a motor vehicle and anything you cause in a profession or business.
What does your premium depend on?
Household composition chosen. The single form and the family form each have their own premium, because the circle of insured persons differs.
Sum insured per event. The limit chosen is the main basis for the calculation. With injury claims the amounts mount up quickly.
Excess chosen. An excess per event reduces the premium and is a deliberate judgement on a family policy with children.
Area of cover. Worldwide cover or Europe only. Anyone regularly staying outside Europe needs the wider variant.
Additional modules. Extensions for, say, helping out a friend, babysitting or having guests to stay are not included in every basic cover.
Claims history of the household. Earlier claims by one of the family members are taken into account in the acceptance and rating of the new policy.
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.
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.
Only if you have family cover and are registered together at the same address. The conditions speak of living together as a household. If you still have a single-person policy, your partner is not an insured person and the insurer does not pay for damage they cause to someone else. Have the form adjusted as soon as you move in together, not at the annual renewal.
Does my child studying away from home remain covered?
Under most family covers, yes. Conditions generally refer to children living away from home who are staying elsewhere to study and are unmarried. If your child starts working, moves in with a partner or runs their own household, the cover ends. Check the exact wording in your own conditions; the age limits and the description differ by insurer and are rarely identical.
What happens to our policies after a divorce?
From the end of the joint household, the departing partner is no longer an insured person and needs their own cover. The remaining partner keeps the policy but has the form changed to single or to a new composition. Report the date and record the change in writing, so that no period arises in which it is unclear who was insured.
Does the policy cover damage family members cause to one another?
No. Virtually all liability insurance excludes damage between insured persons. If your child breaks your own television, that is not a liability claim but at most a matter for the home contents insurance. The cover is intended for damage to third parties. Deliberately caused damage and damage involving a motor vehicle also fall outside this policy.
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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