Turien & Co · compared independently · advice from Finass
Buildings insurance through Turien & Co
The basic form of buildings insurance through Turien & Co works with a list of named events: if the cause of your damage is not on that list, there is no cover.
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.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Buildings insurance comes in two flavours. This version is extended perils cover: the policy lists the events you are insured against, such as fire, lightning, explosion, storm, burglary, vandalism after forced entry and escape of water from pipes. Anything not on that list is not insured. When you claim, the first question is therefore always: which event caused this, and does it appear on the list?
That is a fundamentally different structure from premium version, under which every sudden and unforeseen damage is in principle covered and the insurer has to show that an exclusion applies. For a well-maintained house without unusual risks, perils cover is often a defensible choice. We set the two forms side by side and show where the difference lies.
Report a claim without unnecessary delay. Article 7:941 of the Dutch Civil Code obliges you to inform the insurer as soon as is reasonably possible, and also obliges you to limit further damage: so cover a hole in the roof straight away. How to go about that is set out in our step-by-step guide to a buildings claim.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Turien & Co and other insurers offer here.
Fire & lightning strike
Storm & precipitation
Explosion & induction
Smoke & soot damage
Extended cover
As well as fire and storm, also burglary, theft and water damage to your home.
Burglary, theft & vandalism
Rebuilding at rebuild value
Glass breakage
Comprehensive cover
The most complete cover. We compare Turien & Co's extended versions with the market.
Clearance costs & costs of mitigating the loss
All external causes
Solar panels & installations & paving
Solar panels & installations
What is covered
Situation
Standard
With extension
Fire, smoke and lightning strike
Yes
Yes
Storm from force 7 upwards
Yes
Yes
Water damage from a burst pipe
Yes
Yes
Glass breakage
Provided it is declared
Yes
Groundwater coming through the floor
No
No
Wear and deferred maintenance
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
With this form everything turns on the cause, not the damage
The size of your loss only matters once it is established that the cause appears on the list. A wet floor is therefore not automatically a claim: if the water comes from a burst pipe, it is covered. If it seeps in through a blocked gutter, usually not. So with every claim, first record the cause with photographs and, where possible, with a report from the plumber or roofer.
What falls outside the list as standard
Your own clumsiness is not on the list. If you drill into a water pipe, drop a bucket of paint on the stairs or let a ladder fall against the facade, that is not an insured event under this form. The same usually applies to landscaping, paving and boundary fencing, and to objects falling on the roof without a storm. Anyone wanting to cover those situations needs the wider form of cover.
Storm and rainfall are defined more narrowly than you think
There is only a storm above the wind speed stated in the definitions in the policy. With strong wind below that there is no cover, even if tiles have in fact shifted. As for rainfall, water penetrating through a roof, window frame or wall often does count, but water coming in through an open window or roof light does not. Maintenance of gutters and the roof surface remains your own responsibility.
The exclusions alongside the list
Even where the cause is named, some situations remain outside the cover: damage caused by poor maintenance, damage caused by animals and vermin you have let in or kept, and groundwater coming in through the floor or cellar wall. Damage caused deliberately is excluded under Article 7:952 of the Dutch Civil Code. After a burglary the insurer will also ask for signs of forced entry to the property.
Business interruption insurance
Machinery & installations
What does your premium depend on?
Rebuild value of the premises. The basis of calculation, derived from the volume, number of storeys and level of finish.
Length of the list of perils. The more events the policy names, the higher the premium for the same house.
Construction type and roof covering. Masonry with tiles is rated differently from timber or a flat roof with bitumen.
State of repair and year of construction. With this form, maintenance counts heavily, because consequential damage from poor maintenance is not covered.
Exposure to burglary at the location. The postcode area, access to the plot and the grade of locks and fittings in place.
Excess per event. A higher excess brings the premium down and keeps small claims out of your claims record.
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.
Under this form you are insured against the events the policy lists; under the premium version every sudden, unforeseen damage is in principle covered unless the insurer points to an exclusion. The practical difference lies in damage you cause yourself, the garden and paving. We compare both forms for your home, because wider cover is not worth the money in every situation.
When does the policy speak of a storm?
The policy gives a wind speed above which there is a storm. That threshold appears in the definitions and can differ between insurers. If the wind stays below it, roof boarding blown loose is not a covered event. The KNMI reading from the nearest weather station is often decisive here. We go through this definition with you before you choose, because the difference is noticeable after an autumn storm.
Is damage caused by my own clumsiness covered?
Under this form of cover, usually not. A drill through the underfloor heating, a tin of paint knocked over or a window frame damaged while moving house are not named events. Only if the act leads to a consequence that is named, for example a fire, does cover arise for that fire damage. If you want to insure this kind of situation, the wider version is the appropriate choice.
How quickly must I report a claim?
Article 7:941 of the Dutch Civil Code requires notification as soon as is reasonably possible. Reporting late only costs you cover if the insurer's interests have actually been harmed as a result, for example because the cause can no longer be established. Also take immediate steps to limit further damage. Those costs of mitigating the loss are paid, even if the damage itself stays small.
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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