No savings intermediation · guarantee scheme · buffer

Saving: what to look out for

We insure; we do not offer savings accounts and do not act as intermediary in them. What we do here is explain how to assess a savings product and how a buffer relates to your insurance.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Sparen: waar u op let.

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

Get in touch

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Saving is intended for spending you can see coming and for setbacks you want to be able to bear yourself. A savings account is not an investment: the amount does not fall in value, but its purchasing power can decline with inflation. A provider promising a high and guaranteed return is not offering a savings product.

Finass Verzekert advises on and arranges non-life insurance. Savings products fall under a different licence category. We do not open accounts, give no savings advice and recommend no bank. We only explain which features to compare and what protection applies by law.

Where saving and insuring meet is the excess. Anyone with a reserve can deliberately opt for a higher excess and so save on premium. Anyone without that reserve had better not. That is precisely the conversation we can have with you.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what with savings?

Three cards showing where our role ends and the bank's begins.

No licence

What we do not do

Savings products we leave to banks and to parties with the right licence.

No savings account or fixed-term deposit
No savings advice
No recommendation of banks

Before you choose

What to look out for

The features on which savings products genuinely differ.

Which guarantee scheme applies
Access to your money and penalties
Conditions attached to promotional rates

Non-life insurance

What we do provide

What you can come to us for.

Home, traffic and liability
Choice of excess
Business and property

What is covered

Situation	At Finass Verzekert	With the licensed provider
Opening a savings account or fixed-term deposit	No	Yes
Application of the deposit guarantee scheme	No	Yes
Information about conditions and access to your money	No	Yes
Advice on your non-life insurance	Yes	No
Matching the excess to your financial buffer	Yes	No
Assessment of cover for major expenditure	Yes	No

This overview is general in nature and is not personal advice; saving requires a separate licence, which we do not hold.

Where things go wrong in practice

Four points that determine whether your savings do what you expect of them.

Know which guarantee scheme applies

The Dutch deposit guarantee scheme applies to banks with a Dutch licence and guarantees balances up to a statutory maximum per person per bank. If you save through a platform with a foreign bank, the scheme of that country and a different supervisory authority apply. Look that up before you transfer money, not afterwards.

Promotional rates and access to your money

An attractive rate often applies only temporarily, only to new money or only up to a certain balance. With a fixed-term deposit your money is tied up and you pay a penalty for early withdrawal. So do not judge the rate but the combination of rate, term and whether you need to be able to get at the money unexpectedly.

Saving does not replace insurance

A buffer covers small setbacks; insurance covers what you cannot bear yourself. For risks such as liability, fire or a collision, saving is no alternative, because the amount can run up without limit. Conversely, it is unnecessary to insure small losses: you would then be paying premium for something you can absorb yourself.

A reserve changes your policy

With a buffer you can increase the excess and reduce the premium. Bear in mind, though, that certain damage is never covered, whatever your excess: wear and tear, deferred maintenance and gradually acting influences fall outside cover, and 7:952 DCC excludes damage through intent and recklessness.

What to look out for when comparing

Guarantee scheme: which country and which supervisory authority stand behind the bank
Access to your money: freely withdrawable or fixed, and subject to what penalty
Conditions attached to the rate: whether it applies only to new money or only temporarily
Balance limits: whether the rate changes above a certain amount
Size of your buffer: determines what excess you can bear
The provider's licence: check the party in the public register of the AFM or DNB

This overview is general in nature and is not personal advice.

How it works

You will read what to look out forThis page sets out the features of savings products.
You choose a licensed bankCheck which guarantee scheme and which supervisory authority apply.
You set your bufferEstablish which setbacks you want to be able to absorb yourself.
We align your policiesWe adjust the excess to what you can genuinely bear.

Get in touch

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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does Finass Verzekert act as intermediary in savings accounts?

No. We advise and act as intermediary solely in general insurance. Savings products fall under a different licence category, which we do not hold. We do not open accounts, give no savings advice and recommend no bank. For your insurance and for setting your excess, you can come to us.

What does the deposit guarantee scheme guarantee?

It guarantees balances at a bank with a Dutch licence up to a statutory maximum per person per bank, where that bank can no longer meet its obligations. It does not cover investments and does not cover a loss of value through inflation. With foreign providers, the scheme of the country of establishment applies.

How large should my buffer be?

There is no generally applicable figure for that. It depends on your fixed outgoings, the security of your income and the state of your home and car. A workable rule of thumb is that you should be able to absorb unexpected expenditure and the excess on your policies without borrowing. We are happy to work the latter through with you.

Can I reduce my premium with a buffer?

Often yes. With most general insurance, a higher excess reduces the premium. You then pay for small losses yourself and insure only what you cannot bear. Whether that is sensible depends on your reserve and your claims history. We set the variants side by side for you.

Is saving risk-free?

In nominal terms your balance does not change, but its purchasing power can decline with inflation. You also run a counterparty risk, which the guarantee scheme covers up to a statutory maximum. Anyone saving above that maximum can spread the amount across several banks. We give no advice on that.

Does your excess match your buffer?

We compare the offerings of several insurers and match the cover and excess to what you can bear yourself.

Get in touch

Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.

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 15 August 2026.

The information on this page is general in nature and is not personal advice.

Saving: what to look out for

In brief

Who does what with savings?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Know which guarantee scheme applies

Promotional rates and access to your money

Saving does not replace insurance

A reserve changes your policy

What to look out for when comparing

How it works

Frequently asked questions

Read more

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Saving: what to look out for

In brief

Who does what with savings?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Know which guarantee scheme applies

Promotional rates and access to your money

Saving does not replace insurance

A reserve changes your policy

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

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