What to do straight away
- Prevent further damage
- Photograph before clearing up
- Reporting a theft to the police
Reporting a claim
When there is a loss, what you record in the first hour counts. Not because we want it that way, but because an insurer cannot establish afterwards what you saw at the time.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Report your claim online. You will receive a confirmation with a reference number right away; we will contact you within one working day.
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.
Urgent, also evenings and weekends: +31 6 55 20 40 72. In case of injury, fire, burglary or danger, call 112 first.
Report a claim
Sorry to hear you've had some damage. Report it here and we'll take it from there. Is there immediate danger, or is the damage still ongoing? Then call us straight away on 072 - 509 24 56.
Report a claim
Sorry to hear you've had some damage. Report it here and we'll take it from there. Is there immediate danger, or is the damage still ongoing? Then call us straight away on 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Report a loss as soon as reasonably possible. Article 7:941 of the Dutch Civil Code requires you to inform the insurer as soon as you are aware of the loss; reporting late can lead to loss of your right to payment where the insurer is prejudiced in its interests as a result.
Record evidence before you clear up: photographs of the damage and the surroundings, the damaged item itself, and details of witnesses. What has gone cannot be reconstructed.
With theft, burglary or vandalism you report it to the police. Virtually every policy makes that a condition of payment, and the insurer needs the police report number.
Personal advice, not a call centre
Finass Verzekert is a licensed, independent firm. You get one advisor who knows your situation — including the moment a claim actually happens and it matters most.
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What does reporting a claim cover?
The structure of the cover in three parts, with an overview per situation below.
What you gather
What the insurer needs in order to assess the claim.
- Policy number
- Date, time and place
- Details of the other party and witnesses
What we do
We report the claim, monitor the deadlines and conduct the discussion.
- Reporting to the insurer
- Contact with the loss adjuster
- An objection where a claim is refused
What is covered
| Type of loss | A police report is needed | A loss adjuster is likely |
|---|---|---|
| A collision with another party | Sometimes | Sometimes |
| Theft or burglary | Yes | Sometimes |
| Fire or water damage in the home | No | Yes |
| Vandalism | Yes | No |
| Injury to a third party | Sometimes | Yes |
| Pure financial loss without material damage | No | Yes |
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?
- Report by telephone: we take it from there
- By email: with photographs and details
- Have your policy number to hand
- Date, time and place
- Details of the other party: name, registration number, insurer
- Police report number: for theft or vandalism
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.
Report it even if you are unsure whether it is covered
Assessing whether something falls within cover is not for you to do. If you only report once you are sure there is cover, you are often already too late. With liability, the limitation period under Article 7:942 of the Dutch Civil Code also starts to run as soon as you are held liable, not at the incident itself.
Do not admit liability at the scene
It is a human reflex to say sorry, but admitting liability is for your insurer to do. Describe factually what happened and leave the assessment to the insurer; otherwise you bind it to something that turns out not to be correct.
Keep the damaged item
Do not throw anything away before the claim has been settled. A loss adjuster often wants to see what is broken, and with a defective product the item can be evidence against the supplier. Where something is perishable or has to be removed for hygiene reasons: photograph it extensively and state why you had to dispose of it.
If the insurer rejects the claim
A refusal is not the end of the road. We assess the reasoning and, where necessary, lodge an objection. If you cannot resolve matters with the insurer, the route to Kifid (the financial services complaints institute) is open; our complaints procedure describes how that works.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
How quickly do I have to report a claim?
As soon as reasonably possible. Article 7:941 of the Dutch Civil Code requires you to inform the insurer as soon as you know of the loss; reporting late can affect your right to payment.
Do I have to report it to the police?
For theft, burglary and vandalism, almost always. The insurer needs the police report number. Without a police report, payment usually does not follow.
What if I am unsure whether it is covered?
Report it anyway. The assessment is for the insurer, and waiting can cost you your right to payment.
May I say it was my fault?
Describe factually what happened, but do not admit liability. That assessment is for your insurer.
May I throw away the damaged item?
Not before the claim has been settled. A loss adjuster often wants to see what is broken. If you do have to dispose of it, photograph it extensively.
What if my claim is refused?
We assess the reasoning and, where necessary, lodge an objection. If you cannot resolve matters, the route to Kifid is open.
Every situation is different. For these situations we have a separate page.
- About Finass VerzekertThe main page
- Reporting a claim in a VvEWho reports, communal or private, order of steps
- Reporting a business claimDuty to notify, liability claims, evidence
- Which documents do you need when you have a claim?By type of loss, keeping records, arranging in advance
- Making a claim as a self-employed professionalDuty to notify, duty to mitigate the loss, evidence
- How does a claim work with car insurance?Accident statement form, reporting, repair
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.