Comprehensive worldwide
- Loss and disappearance
- Theft from the wrist or from a bag
- Damage from falls and knocks
Valuation · loss covered · wearing and safe clause
Compare valuables insurance
Your home contents insurance has a ceiling for jewellery and equipment that is separate from your total sum insured. Above that amount, or as soon as you take the items out of the house, the cover stops.
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Deze pagina in het Nederlands: Kostbaarhedenverzekering vergelijken.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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Additional questions follow per chosen insurance.
In brief
Valuables insurance insures individually described items comprehensive and worldwide. The distinctive feature is that loss is covered as well &mdash. Not only theft and damage. That is exactly what a home contents policy never does.
You fix the value with a valuation. If it is drawn up as a valuation within the meaning of Article 7:960 of the Dutch Civil Code, the value is fixed and the insurer cannot rely on underinsurance during the term. With jewellery and sought-after watches, periodic revaluation matters, because gold prices and market values rise rather than fall.
Against that stand conditions. The wearing and safe clause describes when an item may be worn and when it belongs in the safe. If you do not comply, the theft cover lapses: and that is the most common reason for refusal.
What does valuables insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Valuation
A recognised valuer records the value, usually for three to five years.
- No argument when a loss occurs
- Revaluation on expiry
- Proof of existence
Conditions
Clauses that determine when you are in fact covered.
- Wearing and safe clause
- Alarm and monitoring centre
- Reporting a theft to the police
What is covered
| Situation | Valuables | Home contents |
|---|---|---|
| Watch lost on holiday | Yes | No |
| A piece of jewellery stolen from the wrist in the street | Yes | No |
| Theft at home during a burglary | Yes | Sometimes |
| A camera dropped during a day out | Yes | No |
| Not in the safe when it should have been | No | No |
| Wear, ageing and loss of value | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The sub-limit on your home contents policy is the reason
Within your home contents insurance a ceiling of its own applies to jewellery and to audiovisual equipment, however high your total sum insured. If your property is worth more, the excess amount is uninsured. Check those ceilings against what you actually have in the house. That is usually the moment this insurance comes up.
A valuation is not simply a valuation report
For protection against underinsurance, the valuation must be drawn up as intended in Article 7:960 of the Dutch Civil Code. An ordinary statement of value from a jeweller does not always meet that standard. Ask expressly for a valuation that meets that requirement and watch the period of validity; expired valuations lead to payment at market value.
The clauses are not a formality
Above a certain amount it almost always applies that the item is in a safe when you are not wearing it, sometimes with a requirement for an alarm connected to a monitoring centre. After a theft that is the first thing you will be asked about. Read the clause before you sign and align your behaviour with it, or choose a policy with a lighter requirement.
Document everything at the time of purchase
After a loss the first question is whether the item existed and what it was worth. Keep the purchase invoice, the box, the papers and the serial number, and photograph everything. Keep that digitally and not only at home; after a fire or burglary it is often the only evidence left.
What does your premium depend on?
- Agreed value: the main basis for calculation
- Type of items: watches, jewellery, art, equipment
- Security at home: safe, alarm, monitoring centre
- Area of cover: the Netherlands, Europe or worldwide
- Wearing and safe clause
- Excess
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.
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.
Frequently asked questions
This is what people ask us most.
What does this insurance cover that my home contents policy does not?
Loss, theft away from home and damage caused by your own actions, worldwide. Home contents insurance covers your belongings at home up to a sub-limit per category and away from home hardly at all.
Is a valuation compulsory?
Above a certain amount, almost always. Have it drawn up as a valuation within the meaning of Article 7:960 of the Dutch Civil Code. The value is then fixed and the insurer cannot rely on underinsurance during the term.
How often do I need a new valuation?
Usually every three to five years, and sooner where gold or market prices have risen sharply. An expired valuation means payment at market value, and with sought-after pieces that works out badly.
What is a wearing and safe clause?
A provision describing when you may wear the item and when it belongs in the safe. Compliance is a condition of the theft cover and it is the most common reason for refusal.
Can heirlooms be insured?
Yes, on the basis of a valuation. Sentimental value is not paid for; material and craftsmanship are. Have old pieces described and photographed expressly.
What do I need when I claim?
A purchase invoice with the serial number, a valuation report, photographs and, in the event of theft, a police report. Keep that digitally, so that it is not lost along with everything else after a fire or burglary.
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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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.