Licence and register
- The AFM's public licence register
- Professional competence requirements under the Wft
- Registration with the Chamber of Commerce
- Professional indemnity, Article 4:75 of the Dutch Financial Supervision Act (Wft)
Licence · supervision · the right to complain
Reliability: how you can hold us to account
Reliability is not a claim but a series of verifiable facts: a licence, a services document, responsibility for the advice given and a complaints route that is open to you.
- 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: Betrouwbaarheid: waaraan u ons kunt toetsen.
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.
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.
In brief
The insurance chain contains two parties with their own role and their own supervision. The insurer carries the risk and is subject to prudential supervision by De Nederlandsche Bank, which checks whether there is enough capital to pay future claims. The adviser or intermediary is subject to conduct supervision by the AFM and needs a licence for that under the Dutch Financial Supervision Act.
That distinction is a practical one. If the question is whether a loss is paid, the insurer decides on the basis of its conditions. If the question is whether you were given a suitable product, the adviser can be held responsible. Both routes end, if need be, at Kifid or in court.
Three things you can check yourself
These details are public or a firm has to give them to you on request.
Service guide (dienstenwijzer)
Clear in advance which insurers are compared and how the remuneration works.
- The method and scope of the comparison
- Commission or an agreed fee
- Conditions and insurance card (verzekeringskaart) in advance
- No tie to a single insurer
How to complain
A set route if you disagree with a decision.
- First in writing to the firm
- Then Kifid or the courts
- Time limits are set out in the complaints procedure
- This also applies to a refusal by the insurer
What is covered
| Situation | Insurer | Adviser |
|---|---|---|
| Is subject to conduct supervision by the AFM | Yes | Yes |
| Is subject to prudential supervision by DNB | Yes | No |
| Sets the policy conditions and the premium | Yes | No |
| Assesses the claim and makes the payment | Yes | No |
| Records the advice and can be held to it | No | Yes |
| Can be taken to Kifid if you have a complaint | Yes | Yes |
Who is responsible for what is set out in the services document and in your insurer's policy conditions.
What we can and cannot promise
Two sides of the same story, because a promise without limits is no promise at all.
Handling your data carefully
Personal data is needed for a quotation: address, claims history and sometimes medical or criminal record details. That processing falls under the GDPR and under the sector's codes of conduct. Insurers also consult the Stichting CIS database to check claims history and fraud indicators. You may always ask which data about you has been recorded.
What is outside our control
We cannot guarantee that cover will be accepted and cannot promise a payment: that remains for the insurer. The exclusions still apply, including for wear, deferred maintenance and inherent defect, for war risks and nuclear reactions and for damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. Your own obligations also continue to apply: giving correct information when taking out cover (Article 7:928 of the Dutch Civil Code) and reporting a loss in good time (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
- Nature of the risk — what and who you insure
- Sum insured — rebuild or replacement value
- Type of cover — limited, extended or comprehensive
- Excess — higher amount, lower premium
- Claims history — registered with Stichting CIS
- Insurance premium tax — 21% on non-life insurance
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
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.
Frequently asked questions
The questions we are asked most often about this.
Who supervises insurers?
Two supervisors, each with its own task. De Nederlandsche Bank exercises prudential supervision: can the insurer meet its obligations in the long run, measured against European solvency requirements. The Netherlands Authority for the Financial Markets exercises conduct supervision: is the information correct, is the product suitable and is the customer treated with due care. Advisers and intermediaries fall only under that conduct supervision.
What happens if an insurer gets into difficulties?
Insurers have to meet capital requirements continuously and report on this to De Nederlandsche Bank, which can intervene before things go wrong. Unlike with bank savings, there is no guarantee scheme for general insurance that takes over payments. That is a reason, when comparing, to look not only at the premium but also at the insurer itself.
Where does it say how you are paid?
In the services document you receive before the advice. With ordinary general insurance the remuneration usually runs through commission included in the insurer's premium. For complex and high-impact products a commission ban applies and you agree a fee in advance. You may always ask which form applies in your case.
Are you tied to an insurer?
No. We act as an intermediary for the products of a large number of insurers and are not an authorised agent for any single party. Which companies are included in the comparison is set out in the services document. If an insurer will not accept your risk, because of the construction type or claims history for example, we put it to another party.
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Would you rather ask your questions first?
Ask for advice without obligation; you receive the services document and the conditions in advance.
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 .
The information on this page is general in nature and is not personal advice.