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
What you may expect from Finass Verzekert
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
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.
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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ClaimsPhoto coming soon
What our service consists of
Three stages, each with its own outcome that you receive in writing.
Intermediation
Requesting quotations, submitting the application and arranging the switch.
- Quotations from several insurers
- Cancellation of the old policy
- A check of the policy schedule and clauses
- An explanation of your duty of disclosure
Management and claims
Maintaining the policy and support when something happens.
- Passing changes on to the insurer
- An annual check of sums insured and premium
- Notifying claims and contact with the loss adjuster
- Objecting to a refusal
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.
What does your premium depend on?
- Nature of the risk: what and who you insure
- Sum insured: rebuild or replacement value
- Type of cover: limited, extended or comprehensive
- Excess: higher amount, lower premium
- Claims history: previous claims count
- Package discount: more policies, a lower rate
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
How to assess an adviser
Two questions you can put to any firm, including us.
Licence, remuneration and the right to complain
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.
What advice cannot do
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.
Frequently asked questions
This is what people ask us most.
Does advice cost me extra?
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.
How do I know whether a firm is authorised?
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.
What if I have a complaint?
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.
Do you compare on premium alone?
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.
Every situation is different. For these situations we have a separate page.
- About Finass VerzekertThe main page
- Which is the largest insurer in the Netherlands?Market share, measure, conditions
- Websites and registers you can useRegisters, comparison sites, reliability
- Service guide Finass Advies B.V.Wft licence · remuneration · complaints route
- Working with us as a business, organisation or referrerObjective analysis, a fixed point of contact, AFM 12016589
- Personal insurance with FINASS VerzekertHome, motoring, liability
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
Read more
Would you like your policies reviewed?
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.
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.