Basic cover
- Fire & lightning strike
- Storm
- Possessions away from home
- Water damage
Premium home contents insurance through Turien & Co
The premium variant is intended for homes where the standard sub-limits and the standard claims settlement have become too tight.
- 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
Premium home contents insurance (inboedelverzekering) is not a more expensive version of the same policy, but a different way of settling claims. Where the standard home contents insurance through Turien & Co works with fixed maximums per category and a fixed excess, the premium form works with wider sub-limits, a broader range of insured perils and more room when the loss is assessed. That matters as soon as a home clearly differs from the average: high-quality finishes, an art collection, a lot of audiovisual equipment or a large outdoor space.
The question this product answers is not what are my contents worth but how will my claim be settled. With partial damage to a fitted wall unit, a parquet floor or a designer sofa, the question is whether only the damaged part is paid for or the whole item is replaced, and whether a specialist carries out the repair. This is the point where premium conditions and standard conditions differ most.
We test whether the extra cost makes sense in your situation. If your contents are average and there are no unusual items, the standard policy is usually the better choice. If much of the value sits in a few objects, a valuables policy alongside ordinary contents cover is often more keenly priced than premium cover on everything.
Independent, personal, sorted quickly
We compare your contents 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 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.
What does your premium depend on?
- Sum insured for contents. In the premium form too, the replacement value as new you declare remains the basis for the rate.
- Sub-limits chosen. The higher the maximums for valuables, the garden and belongings away from home, the more heavily this weighs.
- Type of home and standard of finish. Bespoke interiors and high-quality floors raise the average cost of a claim per event.
- Security. With wider limits for valuables, insurers set stricter requirements for locks, alarms and a safe.
- Postcode area. Burglary and water damage figures per area also feed into the rate here.
- Excess and claims history. A lower excess suits this form of cover but raises the premium noticeably.
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.
Wider sub-limits instead of a separate policy
The practical difference lies in the maximums per category: jewellery, audiovisual equipment, art, contents in the garden and belongings away from home. The premium form raises those maximums, so you do not have to arrange separate cover for every category. We set the sub-limits of the standard and the premium variant side by side and work out at which distribution of value the tipping point lies.
Repair and replacement of matching sets
If you damage one door of a fitted cupboard or one board of a laid floor, the key question is whether the rest is renewed as well because the colour or type of wood is no longer available. Premium conditions more often include a pairs and sets clause. Without one, you are left with a visible difference that the insurer will not pay for.
Garden, outdoor space and outbuildings
Outdoor kitchens, verandas, garden furniture, lighting and planting fall under a low maximum on a standard policy, and storm and frost damage to planting is often excluded. The premium form stretches this, but almost never without limit. So tell us what is outside, including the charging point, hot tub and sun blinds; these are the items that generate the most argument afterwards.
What is not covered
Premium cover also excludes: wear and tear, inherent defect, mould and vermin; damage from groundwater or slowly penetrating damp; business stock and equipment; and damage during building work or a period of vacancy that has not been notified. Items that can only be insured on the basis of a valuation report also remain outside the cover for as long as that report is missing. Premium means wider, not all-embracing.
Value & stock
Machinery & installations
Frequently asked questions
This is what people ask us most.
When is premium worth it over the standard policy?
When the value is spread unevenly across many categories at once: art, jewellery, equipment, garden and bespoke interior. If the extra value sits in one or two objects, an ordinary contents policy with separate valuables cover is usually cheaper. We cost both variants on your own figures before you choose.
Does the guarantee against underinsurance lapse with premium cover?
No, it works the same way: if you declare the sum insured using a value calculator or a valuation, no proportionate reduction is applied to a partial loss. The wider sub-limits of the premium form are separate from this. Setting both mechanisms side by side stops you assuming you are covered when a category still runs up against its maximum.
Do I have to declare valuables separately?
Above a certain amount per item, insurers ask for a specification or a valuation report, in premium cover as well. For valued items, Article 7:960 of the Dutch Civil Code applies to the assessment of the value. Without a declaration the item falls back on the ordinary sub-limit, however high the total sum insured may be.
Can I switch from standard to premium later?
Yes, usually at the contract renewal date and after a fresh inventory. Insurers reassess security and claims history at that point, and may set additional requirements such as a certified safe. We arrange the switch including cancellation with your current insurer, so that no uninsured period arises.
Every situation is different. For these situations we have a separate page.
Read more
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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.