Conditions · exclusions · sum insured
What should you look out for in an insurance policy?
The premium comes first in every quotation. The points that matter when you claim come later.
Deze pagina in het Nederlands: Waar moet u op letten bij een verzekering?.
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 your own premium with the calculator.
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.
The sum insured
Does it match the actual value? For home contents count on replacement value, for buildings at rebuild value, for business interruption on gross profit multiplied by a realistic period.
A guarantee against underinsurance prevents a proportionately lower payout.
The exclusions
More important than what is covered. Almost everywhere: wear and tear, gradual damage, intent and deferred maintenance.
Different for each policy: care, custody and control, inherent defect, away from home, and restrictions on certain activities.
The sub-limits and the excess
Look at the maximum amounts per category — jewellery, audiovisual equipment, collections — and whether they match what you own.
The excess applies per event and sometimes differs per section.
The clauses
This is the part most often skipped. Your policy schedule sometimes sets out conditions you have to meet: a particular lock, a safe, periodic cleaning, a valid inspection.
If you do not meet them when you claim, the payment can be restricted. Read them and adjust your practice accordingly.
Read more
Within Inboedelverzekering
- Inboedelverzekeringthe main page
- What should you look for in home contents insurance (inboedelverzekering)?
- De juiste verzekering kiezen tips voor consumenten
- Wat dekt een verzekering
- Wat dekt een inboedelverzekering niet
- Wat is er verzekerd bij een inboedelverzekering
- What exactly counts as home contents?
Similar pages
Frequently asked questions
The questions we are asked most often about this.
What do I look at first?
On the sum insured and whether it matches the actual value.
What are the standard exclusions?
Wear and tear, gradual damage, intent and deferred maintenance.
What is a clause?
A condition on your policy schedule that you have to meet, such as a lock or an inspection.
What if I do not comply with a clause?
The payment can then be restricted or refused when you claim.
What is a sub-limit?
A maximum per category, for example for jewellery or equipment.
Is the cheapest policy the best?
Rarely; the cheapest when you take it out is not the cheapest when you claim.
What is covered and what is not
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| A burst pipe in the underfloor heating, including breaking open the floor to reach it | Yes | Yes |
| A neighbour's tree blows over and falls on your roof | Yes | Yes |
| Your drill slips and damages the new kitchen wall | No | Yes |
| Cracks in the facade because the foundations settled after a dry summer | No | No |
| Wet rot in the window frames after years without painting | No | No |
| The dishwasher leaks unnoticed for months and the cupboard unit is affected | Provided that | Provided that |
The words that settle most arguments are 'sudden and unforeseen'; anything that happened slowly falls outside that by definition.