What does insurance actually cover?
What is insured is what happens suddenly and unforeseen. Anything that happens gradually or was to be expected falls outside it.
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- Several insurers
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The starting point
Insurance covers uncertain events. That is set out in Article 7:925 of the Dutch Civil Code: there has to be uncertainty at the time cover is taken out.
That is why damage that already existed or was unavoidable is never covered, however you word it.
What is excluded almost everywhere
Wear and tear and ageing. A sofa that sags or an appliance that stops after eight years is not sudden damage.
Deferred maintenance. A roof that leaks because it has needed replacing for years falls outside it.
Intent and damage you caused deliberately.
Gradual damage: damp that slowly rises, a leak that went unnoticed for months.
What differs from policy to policy
Care, custody and control, inherent defect, damage away from home and specific activities. Those are the places where policies really differ from one another.
What to look at
The exclusions matter more than the description of the cover. They set out what you will not get, and that is where disappointment arises.
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Within Inboedelverzekering
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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 the starting point?
Cover for what happens suddenly and unforeseen.
Is wear and tear covered?
No, nowhere; it is not sudden damage.
What is deferred maintenance?
Damage that could have been prevented by normal maintenance. That is excluded.
Where does the law say that?
Among other places, in Article 7:925 of the Dutch Civil Code on the uncertain event.
Where do policies differ?
On care, custody and control, inherent defect, cover away from home and specific activities.
What should I look out for?
The exclusions; they determine what you will not get.