Advice
- A survey of your property and liability exposure
- A check of the sums insured
- A comparison on conditions and exclusions
- Advice recorded in writing
Advice · intermediation · claims support
We do not call ourselves the best. That cannot be substantiated. What you can check is what an adviser does, how they are paid and where you can turn if things go wrong.
Deze pagina in het Nederlands: Wat u van Finass Verzekert mag verwachten.
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.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
An insurance adviser does three things: they map out your risks, they act as an intermediary when you take out cover and they manage the policy afterwards, including changes, renewals and claims. That work falls under the Dutch Financial Supervision Act: advising and acting as an intermediary is only permitted with a licence from the AFM (the Dutch financial markets authority) and with demonstrably qualified staff.
The practical difference lies in the conditions. Two policies with almost the same premium can differ considerably in sum insured, excess, exclusions and whether there is guarantee against underinsurance. You only notice that difference when you claim. An adviser sets those differences side by side, records the advice given and can be held to it.
Three stages, each with its own outcome that you receive in writing.
Your situation, property and risks mapped out, with a reasoned choice.
Requesting quotations, submitting the application and arranging the switch.
Maintaining the policy and support when something happens.
What is covered
| Situation | Take out yourself | Through an adviser |
|---|---|---|
| Comparing premiums from several providers | Yes | Yes |
| Advice recorded in writing for your situation | No | Yes |
| An assessment of exclusions and sums insured | Provided that | Yes |
| Support with a claim or a refusal | No | Yes |
| A complaint can be put to Kifid (the financial services complaints institute) | Yes | Yes |
| A guarantee that every claim will be paid | No | No |
Advice does not change the policy conditions. What is covered remains as set out in the insurer's conditions.
Two questions you can put to any firm, including us.
Check whether the firm appears in the AFM licence register and ask for the service guide: it sets out which insurers are compared, how the firm is paid and which complaints body it belongs to. With general insurance the remuneration usually runs through commission included in the premium. For complex products a commission ban applies and you pay an agreed fee.
An adviser does not widen the cover. The exclusions still apply: wear and tear, deferred maintenance and inherent defect, acts of war and nuclear reactions, and damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. The duty of disclosure under Article 7:928 of the Dutch Civil Code also remains with you: an incorrect declaration can reduce the payment or cause it to lapse. Report a loss as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires.
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
With ordinary general insurance the firm's remuneration is usually included as commission in the insurer's premium. You then pay no separate amount. For complex or high-impact products a commission ban applies and you agree a fee in advance. Which form applies is set out in the services document you receive before the advice.
Advising on and acting as an intermediary for insurance is only permitted with a licence from the Netherlands Authority for the Financial Markets. Those licences appear in a public register that you can consult yourself by name or Chamber of Commerce number. Staff must also meet the professional competence requirements of the Dutch Financial Supervision Act and keep their qualifications up to date.
Submit it first in writing to the firm itself. The internal complaints procedure is set out in the services document. If you cannot resolve it, you can put the complaint within the applicable time limit to the Financial Services Complaints Institute, Kifid, or to the civil courts. That route is also open if you took out the policy without an adviser.
No. The premium is the result of choices: sum insured, form of cover and excess. So we first set the conditions side by side, in particular the exclusions, the limits for special items and whether there is a guarantee against underinsurance. Only then do we compare the price of comparable policies.
Ask for advice without obligation. We point out the gaps, the overlaps and the exclusions.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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.
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Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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