Start with what you cannot bear · priorities
Which insurance do you really need?
The rule of thumb: insure what you cannot bear yourself, and bear yourself what you can afford to lose.
Deze pagina in het Nederlands: Welke verzekeringen heeft u werkelijk nodig?.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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.
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- 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.
Almost always worthwhile
Liability. Not compulsory, but personal injury is calculated over the whole of the victim's life and runs into hundreds of thousands or millions. The premium is a few tens of euros a year.
Buildings if you own a home; that is your largest asset and your lender requires it.
Income if you depend on your work. For the self-employed, disability insurance (AOV); for employees, a top-up to the WIA.
Usually worthwhile
Home contents. Work out what it costs to buy everything again; for an average family that is soon over forty thousand euros.
Legal expenses if you run a risk of disputes with a landlord, employer or contractor.
Depending on your situation
Travel if you travel more than three weeks a year; valuables if you own more than the sub-limit on your contents policy; term life if there are people who depend on your income.
What you can skip
Small product warranties and cover for amounts you can comfortably afford to lose. Anyone who can easily bear an excess of five hundred euros does not need cover for losses of two hundred.
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Frequently asked questions
The questions we are asked most often about this.
What is the rule of thumb?
Insure what you cannot bear yourself; bear yourself what you can afford to lose.
Which is the most important?
Liability; the risk is out of all proportion to the premium.
Do I need home contents insurance (inboedelverzekering)?
Usually yes; work out what it costs to buy everything again.
When is travel insurance worthwhile?
Beyond about three weeks of travel a year, annual cover pays off.
What can I skip?
Cover for amounts you can comfortably afford to lose.
What if I am self-employed?
Then disability insurance (AOV) counts for most.
What is covered and what is not
Bear it yourself or insure it?
| Situation | Bear it yourself | Insure it |
|---|---|---|
| An injury claim after your dog knocks a cyclist off their bike | No | Yes |
| Two years without income after a back injury as a self-employed person | No | Yes |
| A fire that destroys the structure of the home you own | No | Yes |
| A washing machine that gives up after eight years | Yes | No |
| A phone that falls out of your coat pocket in the street | Yes | No |
| Theft of an electric bicycle worth three thousand euros | Provided that | Provided that |
If the left-hand column says Yes, you are paying premium for an amount you can already afford to lose.