Which types of non-life insurance are there?
General insurance pays for what you have actually lost. It falls into three groups.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
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- Independent advice
- Several insurers
- Switching arranged
- Help with claims
For your property
Buildings for the building, home contents for your possessions, valuables for anything above the sub-limit.
For vehicles: car, motorcycle, van, caravan and boat, each with its own risk profile.
Business: business contents and goods, electronics, machinery breakdown and plant and machinery.
For damage to others
For private individuals, the liability insurance for yourself, your family and your pets.
For businesses, four forms that do not overlap: AVB for property damage and injury, BAV for pure financial loss, directors' and officers' liability for private assets and cyber for data breaches.
For continuity
Business interruption pays for lost turnover after material damage; an additional costs insurance pays the extra costs of keeping going.
Legal expenses covers the costs of a dispute, private or business.
What they have in common
All general insurance pays for the the loss actually suffered; you may not end up better off. That distinguishes it from fixed-benefit policies (sommenverzekeringen), which pay out a fixed amount.
Understanding insurance, without the small print
Policy wording is rarely easy reading. We explain what the terms actually mean, so you can judge for yourself what you need — and what you don't.
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Within Verzekeringen
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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.
Frequently asked questions
This is what people ask us most.
What is indemnity insurance?
It pays the loss actually suffered. You must not be better off as a result.
Which are there for my property?
Buildings, home contents, valuables and vehicle insurance.
Which business liabilities are there?
AVB, BAV, directors' and officers' liability and cyber.
What does business interruption insurance cover?
Lost turnover after covered material damage such as fire or water.
What is the difference from a fixed-benefit policy?
That pays out a fixed amount, regardless of the actual loss.
Is legal expenses insurance a general insurance policy?
Yes; it pays the actual costs of a dispute.