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
Liability starts with Article 6:162 of the Dutch Civil Code: anyone who unlawfully causes damage must make it good. Added to that are strict liabilities that affect you even without fault of your own, such as Article 6:169 of the Dutch Civil Code for damage caused by young children and Article 6:179 of the Dutch Civil Code for damage caused by animals. The premium liability insurance through Turien & Co covers those claims for the whole family, including the defence against claims you consider unjustified.
The difference with the standard version lies in the level of the sum insured per event and in the extensions included as standard: care, custody and control over borrowed and hired items, favours for friends, damage while staying with others and sometimes a broader definition of the family. In injury claims, amounts run up to sums that continue for decades, and the sum insured is then the only limit that counts.
This insurance is separate from your home contents insurance: that pays for your own belongings, this policy for someone else's. A legal expenses insurance is something different again. That helps when you want to pursue someone else.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your premium liability insurance. We show what Turien & Co and other insurers offer in it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare the extended version from Turien & Co with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What is covered
Situation
Standard
With extension
Your child breaks a window at the neighbours'
Yes
Yes
Your dog bites a passer-by (6:179 DCC)
Yes
Yes
Damage to a rented holiday home
Provided that
Provided that
Damage to property in your care (care, custody and control)
No
Provided that
Damage caused with a motor vehicle (Article 2 WAM)
No
No
Damage caused intentionally (7:952 DCC)
No
No
Personal liability insurance (AVP) covers damage that you or a member of your household cause to someone else in a private capacity. Damage caused with a motor vehicle is not covered: the WAM applies to that. The care, custody and control exclusion excludes damage to property in your care, unless the policy provides an extension for it.
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.
Care, custody and control: borrowed and hired property
The standard exclusion property in your care affects everyday situations: a borrowed trailer, a hired drill, your employer's laptop at home, a holiday home with its contents. The premium version does insure part of that, usually with its own maximum. Go through with us what you regularly borrow or hire, because it is precisely here that the difference between being paid and not being paid arises.
Children, pets and house guests
For children up to fourteen there is a strict liability on the parents that is not removed by good supervision. For pets, Article 6:179 of the Dutch Civil Codeapplies: the possessor is liable for the animal's own conduct. Both are included in family cover, but whether a visiting child, a student living away from home or a resident parent is covered depends on the definition of the family in the conditions.
Motor vehicles are outside it
Damage caused with a car, motorcycle, scooter or speed pedelec falls under the WAM insurance for the vehicle, not under this policy; Article 2 of the Dutch Motor Insurance Liability Act (WAM) makes that cover compulsory. What is usually included is damage as a passenger, with an ordinary bicycle, or with a remotely controlled vehicle within the limits set. If there is any doubt about an electric vehicle, we check the vehicle category first.
What is not covered
Outside the cover are: intent and recklessness bordering on intent, including in group behaviour; damage connected with a profession, business or paid work; damage to your own property and to that of co-insured persons between themselves; fines and penalty payments; and claims arising from a contractual guarantee that goes beyond the law. Sexual conduct and the possession of weapons are also subject to separate exclusions.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Household composition. Single, living together or a family with children. The number of co-insured persons determines the number of people carrying risk.
Sum insured per event. The most important choice on this product. In injury claims this is the only hard upper limit.
Including care, custody and control. Cover for borrowed, hired and loaned items is the most significant extension.
Keeping pets. A dog or horse changes the risk profile; separate provisions often apply to horses.
Area of cover. Europe or worldwide. For long stays outside Europe additional conditions apply.
Excess and claims history. An excess per claim reduces the premium; previous claims feed through into the underwriting.
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.
Am I insured if my child breaks something at someone else's house?
Yes, that is the essence of family cover. For children under fourteen the parents are liable under Article 6:169 of the Dutch Civil Code, even without fault of their own. The insurer does assess whether it concerns an act and not normal wear. For children above that age the child's own conduct is considered.
Does this policy cover damage while doing a favour for a friend?
If you help an acquaintance move house or do odd jobs and something goes wrong, the ordinary rules on liability, strictly applied, are in fact mild, but cover depends on the conditions. Premium versions more often contain a separate provision for this, including injury you suffer yourself. If it is paid work, it falls outside personal cover.
What if the other party holds me liable and I disagree?
Then the insurer conducts the defence and carries the cost of it, even if the claim is ultimately rejected. That defence is an independent part of the cover. So do not admit liability yourself and make no undertakings; report the claim and leave the assessment to the insurer.
Within what period must I report a loss?
As soon as possible after you know of the claim. Article 7:941 of the Dutch Civil Code requires timely notification and cooperation with the investigation; late notification may only lead to loss of cover where the insurer has been prejudiced as a result. Keep photographs, correspondence and witness details from the outset.
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.
