Non-life insurance
- Buildings, home contents and valuables
- Car, motorcycle, caravan and boat
- Liability, private and business
- Legal expenses and travel
Main groups · classification · compulsory or not
There is no exact answer to this question: insurers classify their own products and combine cover into packages. There is, however, a fixed division into main groups. We set those out here.
Deze pagina in het Nederlands: Hoeveel verzekeringen zijn er in Nederland?.
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.
We deliberately give no hard figure. What counts as a separate insurance depends on the classification: a home package can consist of four policies or of one policy schedule with four sections, and insurers sometimes bring the same cover to market under different names. Every year products disappear and new ones arrive, for example around electric vehicles and cyber risks.
What is certain is the classification. Broadly there are three worlds: non-life insurance (your possessions, your liability and your legal assistance), life and income insurance (a payment on death or disability) and health insurance, which has its own statutory framework. Alongside those there are the national and employee insurance schemes; those are social insurance provided by the government and not products you take out yourself.
For your own situation the number of products is not what matters, but the question of which risks you run. Only health insurance for residents and third-party liability cover for motor vehicles are compulsory (Article 2 of the Dutch Motor Insurance Liability Act (WAM)); with a mortgage the lender almost always requires buildings insurance. See also all types of insurance.
Three groups in which almost every insurance product can be placed.
Cover damage to your possessions, damage to others, or the cost of legal assistance.
Pay out on death or when income falls away.
Health insurance and the statutory schemes provided by the government.
What is covered
| Situation | Take out yourself | By operation of law |
|---|---|---|
| Buildings, home contents and liability insurance | Yes | No |
| Third-party liability cover for a motor vehicle | Yes | No |
| Health insurance for people living in the Netherlands | Yes | No |
| National insurance schemes such as the AOW state pension and the Wlz long-term care act | No | Yes |
| Employee insurance schemes such as WW and WIA | No | Yes |
| Disability cover for the self-employed | Yes | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before taking out the policy.
Two points explaining why you are better off looking at risks than at numbers.
Insurers use different product names for comparable cover and bundle sections into packages. Counting therefore produces no usable figure. So compare on content: which causes are covered, which sub-limits apply, is there guarantee against underinsurance and what excess goes with it. The insurance card sets out that core in standardised form.
Anyone with many policies often has duplicate cover, for example glass appearing on both the buildings and the home contents policy, or travel cover alongside credit card cover. At the same time the same risks remain excluded in every policy: intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults, damage from profession or business on a private policy, and damage that already existed before the start date.
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.
An exhaustive list does not exist. Insurers do work with standardised insurance cards for each product type, so that you can compare cover, exclusions and limits in the same way. The supervisory system also has a division into classes, but that follows insurers' administration and not the way products are offered to consumers.
That varies widely and we therefore give no figure. Most households have at least health insurance, liability insurance and home contents insurance, and where they own their home, buildings insurance. On top of that come types of cover attached to possessions: car, caravan, boat or valuables. Anyone renting and without a car manages with considerably fewer policies.
Not as a product you take out. National schemes such as the AOW state pension and the Wlz, and employee schemes such as WW and WIA, are statutory arrangements. You are insured under them by operation of law and pay contributions through tax or through your employer. You choose no provider and there is no policy. They therefore do not belong in comparisons with private insurance.
Yes, the market moves with new risks. In recent years that has mainly been about electric transport, charging points and home batteries, about cyber and data risks and about cover for sustainable installations. At the same time products disappear or are absorbed into packages. That is precisely why a fixed number is not a durable answer.
Request a quote without obligation. We will set out your risks and the cover that goes with them.
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.
Verzekeringen:
/
Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
/
Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
/
Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
/
Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
/
Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
/
Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
/
Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
/
Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
/
pakketten
MKB-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
/
Pakketten
Verzekeringspakket ZZP
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
/
pakketten
VvE-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
/
Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
/
Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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