Legal expenses insurance (rechtsbijstandverzekering) for a VvE
The most common legal matter for a VvE (Dutch owners' association) is not a major conflict with a contractor, but an owner who does not pay his contribution. That is usually where it starts.
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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.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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- Help with claims
In brief
Legal expenses insurance for a VvE provides legal help with disputes concerning the building and its management: with contractors about work carried out, with suppliers and managing agents, and with individual owners.
The debt collection module is in practice the section used most. Overdue VvE contributions have to be collected, and that is also a board duty for which a board member can be liable if it is neglected.
This page deals with one part. The overview of all parts is on the the main VvE insurance page.
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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
Collection of overdue contributions
Collecting is not a choice but a duty. A module that takes over that process relieves the board and limits its liability.
A three-month waiting period
A dispute already running or foreseeable when the policy was taken out is excluded. Take out cover when things are calm, not once the conflict is there.
A dispute with the managing agent
A conflict with the management company also falls under the cover, provided it was not already running when the policy was taken out.
Free choice of lawyer in legal proceedings
If it comes to court proceedings, the VvE may choose its own lawyer, within the policy's cost maximum.
What determines the premium
- Number of apartment rights
- Modules chosen: debt collection, contracts, property
- Use of the complex
- Maximum for external costs
- Personal contribution per case
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
Is collection of VvE contributions covered?
With the debt collection module, yes, usually from a minimum amount per claim and after the waiting period. It is the section used most by VvEs.
Is there a waiting period?
Yes, usually three months. A dispute already running or foreseeable when the policy was taken out is excluded.
Can the VvE insure a conflict with the managing agent?
Yes, provided the dispute arises after the waiting period. No insurer takes over a conflict already under way.
May the VvE choose its own lawyer?
In court or administrative proceedings, yes. Outside those, the insurer handles the case with its own lawyers.
Every situation is different. For these situations we have a separate page.
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