Report immediately · Article 7:941 of the Dutch Civil Code · what to record
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.
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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.
The structure of the cover in three parts, with an overview per situation below.
The first hour
What to do straight away
Limit the damage and record what you see.
Prevent further damage
Photograph before clearing up
Reporting a theft to the police
The details
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
Your interest
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.
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.
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.
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.
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.
