Why we work with different insurers
No insurer accepts every risk. We compare more than thirty companies objectively, because the right policy follows from your situation and not from a fixed preference.
- 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 · Українська
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
Insurers differ mainly not in premium, but in acceptance policy. One company excludes homes with a thatched roof, another accepts them with a clause about the chimney and the distance to neighbouring buildings. One will not take room letting, another will provided the number of occupants is known. A listed building, a home under construction, a let property or an address with a claims history therefore does not suit everyone.
The conditions also vary on points that only become visible when you claim: the wind force threshold for storm damage, the treatment of foundation damage, whether glass is included as standard, the limit for outbuildings and garden landscaping, and the way a vacancy is assessed. Two policies with almost identical premiums can be far apart on those points. See also the hub about buildings insurance.
As an independent intermediary we are not tied to one company. We establish what you need, put the offers side by side and explain why a policy does or does not fit. For unusual risks we call on specialist parties, such as OOM for objects with a foreign element. If you have a claim you are then not on your own: we monitor the notification and the settlement.
This page deals with one situation. The full overview is on Compare buildings insurance (opstalverzekering).
Independent, personal, sorted quickly
We compare your buildings insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Buildings insurance
Compare
Get coveredWhy 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.
What you get out of it
Four practical consequences of working with several companies.
Your risk does not always suit the first company
A home with a thatched roof, listed status, foundation problems or a vacancy is refused by many mainstream insurers. We know which company is willing to take the risk on its books and subject to which clause. That way we prevent you being left uninsured or having to buy too little cover.
Comparing on conditions, not only on price
The cheapest policy is the most expensive if the loss is not covered by it. We look at the list of perils, the exclusions, the guarantee against underinsurance and the limits for outbuildings and the garden. The way an insurer settles claims also counts in the advice.
Your situation changes, and so does your policy
An extension, solar panels, letting, a business at home or building work: all of these are circumstances you have to report. Article 7:928 of the Dutch Civil Code places that duty of disclosure on you at the application stage, and the policy conditions extend it to changes of risk during the term. When something changes, we check whether the current company is still the right one.
What no insurer covers
Comparing has its limits. Damage caused by intent or recklessness is, under Article 7:952 of the Dutch Civil Code is excluded everywhere. The same applies to acts of war and nuclear reactions, to flooding caused by a primary flood defence giving way, and to wear and tear and deferred maintenance. Anyone who promises cover on those points is selling something that does not exist.
What does your premium depend on?
- The company's acceptance policy: determines whether your risk can be placed at all
- Characteristics of the property: construction type, roof, year of construction and use
- Claims history: previous claims count differently at every company
- The form of cover you want: extended or comprehensive, with or without glass
- Package discount and combining policies: several policies with one company saves premium
- Excess and clauses: prevention requirements can lower the premium
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Standard insurer | Specialist |
|---|---|---|
| You let two rooms to students and live on the ground floor yourself | Provided that | Yes |
| Your holiday home in France has to be included in the same package | No | Yes |
| The house is in scaffolding for six months for major building work | Provided that | Yes |
| A previous company cancelled the policy after two claims in quick succession | No | Provided that |
| A houseboat with a permanent mooring and connections to the shore | No | Yes |
| The roof leaks because the tiles have needed replacing for years | No | No |
What one company refuses, another places with a clause. Only with deferred maintenance does comparing not help.
Frequently asked questions
This is what people ask us most.
Do I get advice or only a price comparison?
We act as an intermediary and advise. That means we first establish what risk you run and what cover goes with it, and only then look at which companies make a suitable offer. A comparison on premium alone says little, because policies differ in their list of perils, exclusions and sums insured for outbuildings and garden landscaping.
What if an insurer refuses my home?
A refusal by one company does not mean the risk is uninsurable. Often there is another party that will accept it, with additional conditions such as an inspection of the electrical installation, a periodic chimney inspection or a higher excess. Do always report a previous refusal; withholding it affects your duty of disclosure and can undermine the new policy.
Do I have to place everything with one company?
No. A package with one insurer can bring a discount and keeps things simple, but it is not a requirement. Sometimes it is precisely sensible to place the unusual risk with a specialist and the rest elsewhere. What does matter: make sure the buildings and home contents cover join up, so that a loss does not fall between two policies.
Who helps me if I have a claim?
You report the loss to us or directly to the insurer. We then monitor the settlement and the correspondence. Always report as soon as possible, because Article 7:941 of the Dutch Civil Code requires you to inform the insurer as soon as you can reasonably be expected to know about the loss. How to do that is set out on the page report a claim.
Every situation is different. For these situations we have a separate page.
- Compare buildings insurance (opstalverzekering)The main page
- What determines the premium for your buildings insurance (opstalverzekering)?Rebuild value, construction type, excess
- Comparing buildings insurance (opstalverzekering) on more than a test scoreTest score, conditions, your property
- Insuring a thatched roofFire risk, requirements, premium
- Exclusive buildings cover: insuring your home on the basis of a valuationValuation, rebuild value, tailored cover
- Types of buildings insurance and the properties they are intended forHome, unusual property, letting
- What is the best buildings insurance (opstalverzekering) for your home?Rebuild value, guarantee, conditions
- Insurance companies we work withIndependent · eighteen companies · no ties