What we do not do
- No investment advice
- No asset management
- No brokerage in products
No investment advice · risk · costs
Investing yourself: we refer you on
We insure; we do not invest for you and do not advise on it either. What we do here is explain which points an independent investor should check before starting.
- 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: Zelf beleggen: wij verwijzen u door.
Ask us
We will take a look and refer you elsewhere where that is better.
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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Finass Verzekert holds an AFM licence for non-life insurance. Investment services fall under a different licence category: we give no investment advice, do not manage assets and do not act as intermediaries in investment products. You arrange that directly with a bank or broker holding the right licence.
Investing means taking risk. Returns are not guaranteed and you can lose all or part of your stake. With leveraged or borrowing-based products the loss can even exceed your stake. Past performance says nothing about the future.
Who yourself invests, chooses execution only: the provider tests your knowledge and experience, but does not assess whether an investment suits your objective. You make that judgement yourself. Below are the points that weigh heaviest; this is general information and not advice.
Who does what?
How the roles are divided between our firm and the party you invest with.
What to look out for
The points that most strongly affect your result.
- Costs and diversification
- Investment horizon
- Licence and investor protection
What we do provide
The risks you can insure.
- Home, contents and valuables
- Personal liability
- Legal expenses and income
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Advice on investing or building wealth | No | Yes |
| Opening an investment account | No | Yes |
| Knowledge and experience test and risk profile | No | Yes |
| Home, home contents and valuables insurance | Yes | No |
| Personal liability insurance (AVP) | Yes | No |
| Legal expenses and income protection insurance | Yes | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Where things go wrong in practice
Four points an independent investor has to assess for themselves.
Your stake is not guaranteed
Prices can fall and an issuer can become insolvent. Returns are not guaranteed and loss of your stake is possible. When investing with borrowed money or with a leveraged product the loss can also exceed your stake. Anyone investing money they need in the short term forces themselves to sell at the wrong moment.
Costs work through for years
Besides transaction costs and a service fee, within funds you normally pay an ongoing charges figure, which is not debited separately but is built into the price. Currency costs, dividend leakage and spreads count too. Compare providers on the total of the costs at your own trading frequency and stake, not on the most visible rate.
Investor protection does not cover falls in value
Investments are held separately from the institution's own assets, and there is a investor compensation scheme for the event that a licensed party fails to meet its obligations. That system protects against mismanagement or fraud at the institution, not against a falling price. Check whether the party appears in the AFM register and under whose supervision it falls.
Insurance does not cover your investments, but it does cover the risks around them
No insurance pays for an investment loss. What we do insure are the events that affect your assets in another way: damage to your home or contents, liability for injury or property damage to someone else (Article 6:162 of the Dutch Civil Code), a legal dispute, and the loss of income through disability. Deliberate acts and recklessness remain excluded (Article 7:952 of the Dutch Civil Code).
What to look out for when comparing
- Licence — is the party listed in the AFM register
- Total costs — transaction, service and ongoing costs
- Spread — across regions, sectors and asset classes
- Investment horizon — when do you need the money
- Appetite for risk — what loss can you bear
- Tax treatment — assets fall in box 3
This overview is general in nature and is not personal or investment advice.
How it works
- You choose a provider yourselfCheck that party in the AFM register.
- You set the horizon and the riskWhen do you need the money and what loss can you bear?
- You add up all the costsTransaction costs, service fee and the ongoing costs within funds.
- We cover the other risksHome, contents, liability, legal expenses and income.
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.
Frequently asked questions
The questions we are asked most often about this.
Does Finass Verzekert give investment advice?
No. Our AFM licence covers general insurance; investment services fall under a different category. We do not advise on investing, do not manage assets and do not act as intermediaries in investment products. For liability, home, home contents, valuables, motor, legal expenses and income protection you can come to us.
Can I lose my stake?
Yes. Returns are not guaranteed and prices can fall; an issuer can also become insolvent. With leveraged products or when investing with borrowed money the loss can exceed your stake. So do not invest money you need in the short term or that has to cover a fixed commitment.
What does execution only mean when investing?
That you decide yourself and the provider only carries out your orders. It tests your knowledge and experience and warns you if a product does not match them, but does not assess whether the investment fits your objective, horizon and financial situation. That assessment is your own responsibility; there is no adviser looking over your shoulder.
Does a guarantee scheme protect me against losses?
Not against falls in value. There is an investor compensation scheme for the event that a licensed institution fails to meet its obligations, for instance through fraud, and investments are held separately from the institution's own assets. If the value of your investments falls, that is your own risk and no scheme pays for it.
Assets built up, risks not yet covered?
We look at liability, your home, valuables and your income.
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 .
The information on this page is general in nature and is not personal advice.