Risk and type of cover
- What it costs you without insurance
- Third-party, extended or all-risks
- Setting a realistic sum insured
- Matching the excess to your reserves
How do you take out insurance?
Taking out insurance is more than filling in a form. You first decide which risk you do not want to carry yourself and which type of cover goes with it. The steps are set out below.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
Work out for yourself what it would cost.
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Start with the risk, not with the premium. Ask yourself which event you cannot absorb financially: a fire, a collision, injury you cause to someone else, or a long-running legal dispute. For that risk you choose a type of cover. For a car that is third-party liability, third-party fire and theft, or comprehensive. For a home and its contents usually extended or all-risks. Only then do you compare premiums.
The application itself is a statement. You state what you are insuring, what it is worth, how you use it and which claims you have had in recent years. Under Article 7:928 of the Dutch Civil Code that statement has to be correct and complete. A criminal record within the period asked about also falls under it. The insurer then assesses whether it accepts the risk and on what conditions.
Once accepted, you receive the policy schedule, the conditions and the insurance card (verzekeringskaart). The policy schedule determines what is insured: check the sums insured, the start date, the excess and any clauses about alarms, locks or prevention. If something is wrong, report it straight away. See also what insurance actually covers.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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The steps at a glance
Three moments at which you make a choice or have to check something.
Application and acceptance
You supply the information, the insurer assesses the risk.
- Declaring your claims history in full
- Reporting particulars such as letting
- Sometimes a valuation, inspection or clause
- Refusal or a different premium is possible
Policy and switching
Check the documents and make sure no gap arises in the cover.
- Reading the policy schedule and the conditions
- Ending the old policy only after acceptance
- Cooling-off period when buying at a distance
- Reporting changes later on
What is covered
| Situation | With advice | Execution only |
|---|---|---|
| Your wishes and needs are established | Yes | No |
| There is a check that the cover suits you | Yes | No |
| Conditions from several insurers compared | Yes | Provided that |
| Cancellation of the old policy arranged | Yes | No |
| You are responsible for the choice yourself | No | Yes |
| Cover for damage that already existed | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before taking out the policy.
What does your premium depend on?
- Type of cover chosen: limited, extended or comprehensive
- Sums insured: sums insured and limits
- Excess: higher excess, lower premium
- Claims history: previous claims count
- Postcode area: burglary, storm and water risk
- Package and payment frequency: bundling and paying annually make a difference
Insurers weigh these details differently. That is where your saving is.
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.
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.
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.
Where things go wrong when taking out cover
Two points that later make the difference between being paid and not being paid.
What you do not tell them, you do not insure
The application questions determine the contract. An earlier claim, letting or renting out rooms, a business at home, business use of a private car, a long period standing empty or a refurbishment are risk information. Breach of the duty of disclosure under Article 7:928 of the Dutch Civil Code can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code). Where there is deliberate deception, the right to payment lapses in principle altogether.
Look beyond the premium
A lower premium almost always comes from somewhere: a higher excess, a more limited form of cover, lower sub-limits or the absence of guarantee against underinsurance. Note too the standard exclusions that appear in every policy: intent and recklessness (Article 7:952 of the Dutch Civil Code), wear, deferred maintenance and design faults, and damage that already existed or was foreseeable. Legal expenses cover also has a waiting period.
Frequently asked questions
This is what people ask us most.
Which details do I need in order to take out cover?
Your personal details and address, details of the object to be insured such as the registration number, year of construction or rebuild value, the start date you want and your claims history for recent years. When switching, the policy details of your current insurer are useful, and for a car the statement of no-claims years. For unusual buildings or high values the insurer sometimes asks for a valuation report.
When does the cover start?
On the start date shown on the policy schedule. Sending an application is not yet cover: the insurer has to accept the risk first. When switching, make sure the new policy is settled before the old one ends, otherwise a period without cover arises. With a car that is extra risky, because you are then also in breach of Article 2 WAM.
Can I still cancel the insurance if I change my mind?
For non-life insurance concluded at a distance there is in principle a statutory cooling-off period within which you can cancel without giving a reason. The period is set out in your conditions. After that the notice period in the policy applies. Most non-life policies can be cancelled on any day after the first contract year, with a short notice period.
Is taking out cover with advice more expensive than arranging it yourself?
With us you pay no separate advice fee. We receive commission from the insurer, included in the premium. The difference is not in the price but in the service: with advice your wishes and needs are established and a check is made that the cover fits. With execution only you take out the cover yourself and carry that responsibility in full.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- The online insurance processApplication, acceptance, policy
- Taking out insurance onlineApplication, acceptance, cooling-off period
- Ansvar and your insuranceIndependent advice, comparison, policy conditions
- Bovemij and your insuranceMobility, independent advice, policy conditions
- Choosing the right car insuranceThe car, the use, the drivers
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
Read more
Prefer to go through what you need together?
Request a quote without obligation. We will compare premium and conditions and arrange the switch.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.