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
Home contents insurance through Turien & Co covers everything in your home that is not fixed to the structure: furniture, appliances, clothing, tools, floor coverings and curtains. Anything that is fixed (kitchen, bathroom fittings, dormer window) belongs to the buildings insurance. That distinction may look formal, but after a fire it decides which policy pays which part of the loss.
The point where this insurance runs into trouble is underinsurance. Anyone who entered an amount years ago and has furnished a home since then is usually too low. A partial loss is then settled proportionately: if your contents are insured for half their value, you receive half the loss. A contents value calculator or a valuation prevents this, and with many insurers produces a guarantee against underinsurance.
We set the conditions and premium from Turien & Co alongside other providers such as NH1816 and a.s.r., and look at whether the standard form is enough or whether the premium version suits your home better.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your home contents insurance. We show what Turien & Co and other insurers offer within it.
Fire & lightning strike
Storm
Possessions away from home
Water damage
Extended cover
As well as fire and storm, also water damage, belongings outside the home and, with comprehensive cover, your own accidents.
Burglary, theft & vandalism
Jewellery & valuables (limited)
Machinery & equipment
Comprehensive cover
The most complete cover. We compare the extended version from Turien & Co with the market.
Garden & garden furniture
Jewellery & valuables (limited)
Glass breakage
Higher cover for valuables
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.
Set the sum insured using a value calculator
An off-the-cuff estimate is almost always too low, because people underestimate clothing, kitchen equipment and tools. Use a contents value calculator or have a valuation carried out. If that produces a guarantee against underinsurance, the insurer pays a partial loss in full, even if the amount later turns out to be tight. Revise the figure after a move, building work or a major purchase.
Jewellery, art and equipment have a sub-limit
Within the sum insured, a separate maximum applies to valuables that stands apart from the total. If you have jewellery or a collection worth more than that, the excess amount is not covered, even though the total sum is ample. Those items belong on a valuables insurance. We compare the level of that sub-limit, because it varies a great deal between providers.
Water damage from the home above you
A leak from a neighbour or from a shared pipe is one of the most common contents claims in flats. Your own policy pays for the damage to your belongings; whether the cost is recovered afterwards depends on the neighbour's liability and on the VvE policy. If you live in a flat, let us know, so that we can check how the cover fits with the VvE's buildings policy.
What is not covered
The following are generally outside the cover: wear and tear, vermin, mould and design faults; groundwater coming through the floor or walls; damage to items you use for business or hold in stock; and damage during a period of vacancy or long absence that has not been notified. Money and securities also have their own, low maximum. Theft without signs of forced entry frequently leads to refusal as well.
Value & stock
Machinery & installations
What does your premium depend on?
Sum insured for contents. The declared replacement value as new of your total contents is the main basis for the calculation.
Postcode area. Burglary figures per area count, as does the risk of water and storm damage.
Type of cover chosen. Extended perils or comprehensive; comprehensive adds your own accidents and unnamed causes.
Type of home and occupancy. Terraced house, flat or detached, and whether the home is occupied during the day.
Security. Approved locks and fittings or a monitored alarm system affect both premium and conditions.
Excess. A higher excess per event lowers the premium, but bites precisely on smaller claims.
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.
Contents are everything you take with you when you move: furniture, appliances, clothing, free-standing lamps. Buildings are what is fixed to the structure: kitchen, bathroom, central heating, a floor that has been glued down. Laminate and curtains sit in the grey area and are classified differently by each insurer. We go through that boundary with you in advance, so that no gap appears after a loss.
Are my belongings insured away from home as well?
Only to a limited extent. Contents in a shed, garage box, garden or in the car usually carry a separate and low maximum, and often only after forced entry. Belongings you regularly take with you, such as sports or hobby equipment, are therefore not adequately covered. There is a separate product for that, which we can set alongside the contents policy if you wish.
What happens when I move?
Notify the move in advance. The new address determines the rate and sometimes acceptance, and during the move itself there is often temporary dual cover for a few weeks. Damage during transport is usually not covered unless the removal firm is liable. If the size of the home changes, revise the sum insured straight away.
What if I let a room or use part of the home for business?
Both change the risk and must be declared. A tenant's contents are not your contents, and business stock or equipment falls outside private cover. If you fail to notify this, the insurer can rely on Article 7:928 of the Dutch Civil Code and reduce or refuse the payout.
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.
