VvE environmental damage insurance
After a fire in a block, the fire service uses water that becomes contaminated and soaks into the soil. The clean-up bill lands with the VvE (Dutch owners' association) and falls under no buildings policy at all.
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In brief
Environmental damage insurance pays the costs of investigation and clean-up after contamination of soil or water caused by a sudden, unforeseen event on the VvE's land.
At an apartment block two scenarios occur most often: firefighting water after a fire, and a leak from an oil tank or an installation. In both cases the VvE, as owner of the land, is responsible.
This page deals with one part. The overview of all parts is on the the main VvE insurance page.
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We compare your environmental damage 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.
Environmental damage insurance
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Get coveredWhy 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.
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
Firefighting water is the most common scenario
A fire in a block often involves large quantities of firefighting water carrying soot and residues. A clean-up can run into tens of thousands.
An old oil tank on the site
Tanks removed or still in place call for a KIWA certificate. Without a certificate, cover can lapse.
Recording the baseline situation
Contamination that was already there at inception is excluded. A soil survey prevents argument about where it came from.
The neighbours count too
If contamination flows to an adjoining plot, those clean-up costs are added. Check whether that is included.
What determines the premium
- Area and use of the site
- Tanks or installations present
- Year of construction and soil conditions
- Sum insured per event
- Baseline survey
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
Frequently asked questions
Does a VvE need this without hazardous substances?
Often yes. Even an ordinary residential building can face a duty to clean up after a fire because of contaminated firefighting water.
Who bears the clean-up costs?
The VvE, as owner of the communal land. Without insurance that is apportioned among the owners.
Is an old oil tank a problem?
Yes. Insurers ask for certificates of clean-up or removal. Without evidence, cover can be restricted.
What if the contamination was already there?
It is excluded. Record the baseline situation with a soil survey when the policy starts.
Every situation is different. For these situations we have a separate page.
- Compare environmental damage insuranceThe main page
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