Buildings, home contents and valuables
- Buildings on a rebuild value basis
- Home contents at replacement value as new
- Jewellery and art separately
Personal insurance with FINASS Verzekert
A personal portfolio consists of a handful of covers that have to fit together. Below you can read which they are and where the limits lie.
- 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
Most households deal with three groups: living (buildings, contents, glass, valuables), traffic (car, motorcycle, moped, motorhome, trailer) and person and liability (liability, legal expenses, travel, personal accident). Income also plays a part: what happens in the event of long-term illness or disability.
FINASS Verzekert is an independent insurance brokerage, registered with the AFM (the Dutch financial markets authority) under 12016589 and with the Kamer van Koophandel (the Dutch chamber of commerce) under 37131781. We are tied to no company and compare the offerings of several insurers on premium and conditions alike. Our remuneration for general insurance is included in the premium as commission. You pay no separate advice charge. We do not act as intermediary in health insurance. If you cannot resolve a matter with us, you can turn to Kifid (the financial services complaints institute) under 300.012144.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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Three groups of cover
Together they form the basis of a personal portfolio.
Motor vehicles
Third-party liability is compulsory by law; own-damage cover is your own choice.
- Third-party liability, third-party, fire and theft, or comprehensive cover
- No-claims years determine the premium
- A trailer and motorhome to be considered separately
Liability and legal expenses
For damage you cause to others and for disputes.
- The family is generally covered too
- Including damage by children and pets
- Legal expenses cover has waiting periods
What is covered
| Situation | Separate policies | In one package |
|---|---|---|
| One policy schedule and one collection date | No | Yes |
| A discount when several covers are combined | No | Provided that |
| Duplicate cover spotted in good time | No | Yes |
| Each cover separately with a different company | Yes | No |
| Health insurance through our office | No | No |
| Cover for damage that had already occurred | No | No |
What is actually covered, including exclusions, limits and excess, is set out in the policy conditions and the insurance card (verzekeringskaart) for each product.
What does your premium depend on?
- How the package is put together: which covers you combine
- Sums insured: rebuild value and contents value
- Type of cover: basic, extended or all risks
- Excess: higher risk, lower premium
- Town and type of home: burglary, storm and water risk
- Claims history: earlier claims and no-claims years
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
What to look out for
Two points that determine whether your portfolio is watertight.
Compulsory, contractually required or voluntary
Little is compulsory by law: for motor vehicles, Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires at least third-party liability cover. Buildings insurance is usually contractual required under your mortgage conditions. The rest is voluntary but not without consequence: under Article 6:162 of the Dutch Civil Code you are liable for damage caused by a wrongful act, as the possessor of a building under Article 6:174 of the Dutch Civil Code and as the keeper of an animal under Article 6:179 of the Dutch Civil Code. Those amounts can run very high.
The same exclusions recur everywhere
Under virtually every personal policy the following fall outside cover: intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults and damage caused by war risks or a nuclear reaction. Business use of a personal policy and damage that already existed when the policy was taken out are also excluded. Report changes in your situation: on entering into the policy, Article 7:928 of the Dutch Civil Code and a breach can reduce the payout (Article 7:930 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Which insurance do I really need?
That depends on your situation. If you drive a motor vehicle, third-party liability cover is compulsory by law. If you have a mortgage, the lender almost always requires buildings insurance. Most households take out liability cover because injury claims can be very high. Contents, legal expenses and travel are choices that depend on your possessions and your travel habits.
Is a package always cheaper?
Not automatically. A package gives you an overview, one collection date and often a discount when several covers are combined. Even so, a separate policy with a specialist company can work out better on conditions, for example with a thatched roof, a classic car or valuables. We compare both routes before you choose.
Do you arrange my health insurance as well?
No. We do not act as intermediary in health insurance. For that you go directly to a health insurer or to a comparison site set up for it. We advise on the home, motor, liability, legal expenses, travel, valuables and income-related insurance. You can also come to us for your business policies.
What does the advice cost?
For general insurance we work on a commission basis: the remuneration is included in the premium and there is no separate invoice for advice and intermediary services. Which services that covers is set out in our services guide, which you receive before taking out a policy. If we agree a fee on an hourly basis, we record that in advance.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Working with Finass VerzekertDedicated adviser, referrers, division of roles
- Ansvar and your insuranceIndependent advice, comparison, policy conditions
- Working with us as a business, organisation or referrerObjective analysis, a fixed point of contact, AFM 12016589
- What you may expect from Finass VerzekertAdvice, intermediation, claims support
- MS Amlin and your insurance through FINASSInsurer, intermediary services, policy conditions
Read more
Would you like your policies reviewed?
Request a quote without obligation. We look for overlaps and gaps and set the conditions side by side.
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.