Basic cover
- 24/7 incident response (First Response)
- Restoring systems, data & software
- Forensic & IT investigation
- Reporting a data breach (GDPR)
Cyber insurance for private individuals through Turien & Co
This cover is built around loss of money: online purchases that are never delivered, payment fraud and deception through messages that appear to come from someone you know.
- 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
Most cyber losses in households begin not with a hack but with a transaction. You pay for a second-hand item that never arrives, you transfer money after a message that appears to be from your daughter, or you are led to the wrong account through a copied payment screen. The cyber insurance for private individuals through Turien & Co is aimed at this type of loss: the money is gone and the question is whether it comes back.
The pivotal point is the your own action. With bank fraud, a bank reimburses unauthorised transactions unless you acted with gross negligence by, for example, sharing login details or codes. It is precisely in that grey area, where the bank does not pay out but you did not act deliberately either, that this insurance does its work. That is a different approach from cover mainly offering assistance and restoring systems.
The cyber insurance for private individuals through Ansvar Idea places the emphasis instead on assistance and identity restoration. Which form suits you depends on how you use the internet. We set the two side by side and also look at what your home contents insurance already does.
Independent, personal, sorted quickly
We compare your cyber insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Turien & Co?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as restoration and assistance, also liability towards third parties, business interruption during downtime and crisis management.
- Cyber liability (third parties)
- Business interruption / network outage
- Cyber extortion & ransomware
- Crisis management & reputation repair
Complete package
The most complete cover. We compare the extended version from Turien & Co with the market.
- Fines from the regulator (AP / PCI-DSS)
- Defence & legal costs
- Worldwide cover
- Retroactive cover (prior risk)
What is covered
| Situation | Cyber | AVB | BAV |
|---|---|---|---|
| Ransomware brings your systems down | Yes | No | No |
| Data breach involving personal data | Yes | No | Provided it is declared |
| Costs of notification and informing those affected | Yes | No | No |
| Fraud through a falsified payment instruction | Provided it is declared | No | No |
| Administrative fine from the regulator | No | No | No |
| Hardware that is physically damaged | No | No | No |
What we do
| What we do | At Finass | Direct with Turien & Co |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Turien & Co is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Composition of the household. The number of insured persons who buy and pay online independently.
- Cover components chosen. Purchase fraud only, or also payment fraud, spoofing and identity misuse.
- Maximum per event and per year. With financial cover this maximum matters more than with assistance-based cover.
- Excess per event. Often a fixed amount that effectively keeps small transaction losses outside the cover.
- Security measures. Two-factor authentication on banking and email feeds through into acceptance and conditions.
- Claims history. Earlier fraud claims within the household count towards acceptance and the 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, your risk and your 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Purchase fraud calls for evidence of the transaction
Where an item is not delivered or turns out to be counterfeit, the insurer assesses the chain of evidence: the advertisement, the chat conversation, the proof of payment and the police report. If you paid by direct bank transfer rather than through a payment request with protection, that is not an exclusion but it is where the assessment starts. So always keep the complete conversation history and the advertisement, including after it has been taken down.
Spoofing and the friend-in-need message
In deception where the fraudster poses as a bank, a government body or a family member, you make the transfer yourself. Formally that is an authorised transaction, which is why the bank often does not reimburse it. Cover for this is a separate extension with its own maximum and usually a requirement to report to the police and to the bank within a short time. Check whether that extension is in the package chosen.
The boundary with the home contents and liability policies
If your phone is stolen and then used to empty your account, the device sits on the home contents or valuables cover and the financial loss here. If someone in your household causes loss to another person over the internet, that is a liability matter under Article 6:162 of the Dutch Civil Code. Three policies, three roles. We make sure the sections join up so that no gap is left.
What is not covered
Outside the cover are losses on crypto, investment platforms and trading apps, including where these turn out to be fraudulent; transactions connected with your own business or self-employed work; loss after you handed over login codes or a card despite warnings; loss without a police report or without prompt notification to the bank; and gambling-related losses. A missed return or a bargain you did not get is not a loss either.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Does my bank not simply reimburse this?
With an unauthorised transaction, where someone else takes money without your involvement, the bank does reimburse it in principle. If you made the transfer yourself after a misleading message, the transaction is authorised and the bank is not obliged to do so. It is precisely those situations that form the heart of this insurance. Always report to the bank first and make a police report.
What if I buy something that is never delivered?
Then there is purchase fraud, provided you can show that payment was made and that the seller is not delivering or cannot be traced. A dispute about quality or about late delivery is not fraud but a civil matter between buyer and seller. The insurer tests for an intention to deceive, not for disappointment with the product.
Are my children insured as well?
Children living at home generally fall under the family cover, including purchases they make online themselves. For children studying away from home, different age and residence conditions apply per provider. Give full details of the composition of the household, because an insured person who has not been declared is the first point of discussion when a claim arises.
Within what period do I have to report a claim?
As soon as possible, and with financial fraud preferably the same day, because only then do banks still have a chance of recovering the transfer. Article 7:941 of the Dutch Civil Code requires you to report in good time and to provide all the information the insurer needs. Reporting late may affect the payout if the insurer has been prejudiced as a result.
Every situation is different. For these situations we have a separate page.
- Compare business cyber insuranceThe main page
- Cyber insurance through Hienfeld
- Cyber insurance for estate agentsClient data, transactions, fraud
- Cyber insurance for mortgage advisersClient files, identity fraud, duty of care
- Road users' insurance via Turien & Co
- Agency workers, interns & volunteers through Turien & Co
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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.