Turien & Co · compared independently · advice from Finass
Hobby and sports equipment insurance through Turien & Co
Hobby and sports equipment goes out of the house and is used for what it was made for, and it is precisely during that use that the damage arises for which this policy exists.
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.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A racing bicycle, a set of golf clubs, diving equipment, a musical instrument, angling gear or a climbing set rarely stands still at home. The kit is in the car, lies on a sports field, hangs on a climbing wall or travels on the plane. On an ordinary home contents policy all of that is away from the home and therefore covered only to a limited extent. The hobby and sports equipment insurance through Turien & Co moves those items into a section of their own, with cover in the place where they are used.
The distinctive word in this product is use. The focus is not on the purchase value, but on whether damage during the sport or hobby is included: a broken frame after a fall, a damaged instrument case after a performance, a torn drysuit. That is a different question from valuables, where it is about value and valuation.
We compare three things across providers: whether damage from use is included, whether competitions and training fall under the cover, and what storage requirements apply when the equipment is in a car, boot or store. Those are the three points on which conditions in the market differ most.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your hobby and sports equipment insurance. We show what Turien & Co and other insurers offer within it.
Fire & lightning strike
Burglary & theft at home
Explosion & smoke
Water damage at home
Extended cover
As well as the basic cover, also protection against loss, damage and theft away from home, including from external causes.
Theft outside the home
Loss
Damage from dropping or knocking
Valuation & appraisal
Comprehensive worldwide
The most complete cover. We compare the extended version from Turien & Co with the market.
New-for-old settlement
All risks: any sudden damage
Worldwide cover
Disappearance without a cause
What is covered
Situation
Extended
Comprehensive
Fire, smoke and water damage in the home
Yes
Yes
Theft after forced entry
Yes
Yes
Knocks and falls at home
No
Yes
Loss or theft away from home
Provided that
Provided that
Damage during transport, repair or exhibition
Provided that
Provided that
Wear, shrinkage, damp and insect damage
No
No
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Damage during use is the heart of it, and at the same time the biggest restriction
A policy that covers only fire, theft and water damage does not help you with the damage you cause most often: a fall from your racing bicycle, a hit against the boards, an instrument that falls off its stand. Look in the conditions for the wording about damage during the activity. If it is missing, the policy is in effect theft cover and nothing more.
Competition, training and organised events
Many conditions distinguish between recreational use and taking part in competitions or leagues. If you ride criteriums, enter tournaments or sail regattas, that participation may be excluded or may call for a separate endorsement. Tell us how you practise the sport, not only what equipment you have; that determines whether the declared description matches what you actually do.
Leaving items in the car is the most common ground for refusal
Theft from a parked car is almost always subject to conditions: stored out of sight, signs of forced entry, sometimes a restriction to daytime or to a short break in a journey. A bicycle carrier on the back usually does not count as a locked space. Keep proofs of purchase and frame numbers, because without identification of the stolen item a claim often gets no further than an argument about value.
What is not covered
The following are generally outside the cover: wear and tear, metal fatigue and design faults; damage consisting only of scratches or paint damage without loss of function; the loss of loose parts such as a shoe, a pin or a cap; hiring out or commercial use of the equipment; and damage from inadequate maintenance, for example a diving cylinder that has not been tested. Electric drive systems and batteries also often have an arrangement of their own.
Theft & loss
New for old
What does your premium depend on?
Type of sport or hobby. Cycling, diving, climbing and music each have a different pattern of claims and a different risk assessment.
Total value of the equipment. The declared replacement value of the complete set is the basis of calculation.
Area of cover. The Netherlands only, Europe or worldwide; travelling with the equipment weighs heavily.
Damage from use included or not. Including damage during the activity is the most expensive extension on this product.
Storage arrangements. A locked shed with certified locks and fittings is assessed differently by an insurer from a communal bike store.
Excess per event. With many small claims on sports equipment, the level of the excess strongly determines the premium.
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.
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.
Is my sports equipment not already on my home contents insurance?
Partly. At home the equipment falls under the contents, but away from the home a limited section usually applies with a low maximum and no cover for damage during use. Anyone with an expensive bicycle or a complete diving suit will not get by on that. We compare what your current home contents policy actually does away from the home before you take out anything extra.
Is an electric bicycle the same as an ordinary sports bicycle?
No. Separate requirements apply to e-bikes and speed pedelecs: an approved lock, often two keys in the event of theft, sometimes a tracker, and a separate arrangement for battery damage. The maximum speed also counts towards whether the vehicle is classed as a moped. We check that in advance, so that you are not insured under the wrong section.
Am I covered while travelling and on a sports holiday as well?
That depends on the territory chosen. Worldwide cover is usual on this product as an extension, but often with a maximum duration per trip and with its own requirements for carriage as hold luggage. Any amount the airline pays is also deducted. So tell us in advance about trips with the equipment.
What if I lend my equipment to a club member?
Lending within the private sphere is usually not a problem, as long as you remain the owner and no payment is involved. As soon as you hire out regularly or lend for payment, it becomes commercial use and the cover lapses. If the borrower damages your equipment, his liability also comes into play under Article 6:162 of the Dutch Civil Code.
Read more
Within Art on home contents or valuables insurance
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.
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