Intermediary services · acceptance policy · comparing conditions
a.s.r. verzekeringen
a.s.r. is one of the companies Finass works with. Whether your policy belongs there follows from the cover you need and from the acceptance policy, not from the name on the policy schedule.
- 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 · 中文
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 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.
In brief
Finass Advies is an independent intermediary and compares what several insurers offer. A. s. r. is one of them. We first establish which cover you need and then look for the company whose conditions, acceptance policy and premium fit. Through a.s.r. we arrange both personal general insurance and commercial cover, including the personal liability insurance, home and motor cover, and the public and employers' liability insurance.
Personal liability insurance concerns damage you cause to someone else and for which you are liable under Article 6:162 of the Dutch Civil Code. Liability for children, for pets (Article 6:179 of the Dutch Civil Code) and for your home as a building (Article 6:174 of the Dutch Civil Code) is included. What a policy actually covers is set out in the policy conditions and on the insurance card (verzekeringskaart); you receive these before you sign.
Differences between companies rarely lie in the core description and almost always at the edges: the definition of the household, cover for house guests and children studying away from home, the treatment of a favour done for a friend, and the scope of the care, custody and control cover. Those are the points on which we compare. Which companies we work with, how we are remunerated and how you can make a complaint are set out in our service guide.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
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.
Insurers
Independent
AdviceWhat to look out for
Four points that determine whether a policy fits your situation, whichever insurer you end up with.
The company decides on acceptance
Every insurer applies its own rules on claims history, previous cancellations, living situation, use and unusual risks. If your situation does not fit within one company's policy, an intermediary can put it to another. A refusal is therefore rarely the end of the story, but you must declare that earlier refusal on your next application.
What you must declare on the application
The duty of disclosure applies to the application under Article 7:928 of the Dutch Civil Code: you answer the questions asked fully and correctly. If you conceal a claims history, a cancellation by a previous insurer or a criminal record you are asked about, the insurer may, under Article 7:930 of the Dutch Civil Code reduce the payout or refuse it altogether.
What a liability policy does not cover
Excluded are damage caused intentionally (Article 7:952 DCC), damage caused with a motor vehicle (for which the compulsory insurance under Article 2 WAM exists) and damage to property in your care, the care, custody and control exclusion. Damage you cause in the course of a profession or business also falls outside a personal policy.
Notifying a claim and cooperating
Article 7:941 of the Dutch Civil Code requires you to notify the loss as soon as you could reasonably be aware of it and to cooperate with its handling. Do not admit liability and make no undertaking to the other party before the insurer has responded. That assessment is a matter for the insurer. You notify a claim through report a claim.
What does your premium depend on?
- Type of cover chosen: single person or family, and the scope of the cover
- Sum insured: the maximum payout per event
- Excess: a higher excess lowers the premium
- Composition of the household: children living at home and studying away from home both count
- Claims history: earlier claims count towards acceptance and premium
- Combining with other policies: several policies with one company can make a difference
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | At Finass Verzekert | With the provider |
|---|---|---|
| You receive the policy schedule and the insurance card from the insurer before you sign | Yes | Yes |
| You put a complaint about the settlement of a claim to Kifid (the financial services complaints institute) | Yes | Yes |
| You want to see a.s.r.'s conditions alongside those of three other companies | Yes | No |
| Your application does not fit within the acceptance policy and has to be placed elsewhere | Yes | No |
| In the event of a claim, someone deals with the loss adjuster and the claims handler on your behalf | Yes | No |
| Your current policy with another company is cancelled when you switch | Yes | No |
In both cases the contract is concluded with the insurer. The difference lies in who takes you through the process.
Frequently asked questions
This is what people ask us most.
Do I take out the insurance with a.s.r. or with Finass?
The contract is concluded between you and the insurer. The policy schedule and the conditions come from that company. Finass handles the application, advises on the cover and deals with changes, renewal and any claim on your behalf. What that instruction involves and how it ends are described in our services guide.
Why compare if I am already with one company?
Conditions change from version to version and differ between companies, even within the same product. If you move house, your family grows, you buy a new car or you start a business, your risk changes and the old policy does not always still fit. We then check whether the cover, the sum insured and the clauses still match, and whether another party would meet your needs better.
Can I place several policies with the same insurer?
You can, and it is administratively simpler: one policy schedule, one collection date and often a package discount. It is only worthwhile if each individual section also gives the right cover in its own right. We assess section by section whether the offer is sound and whether the package leaves no gaps between, say, liability and legal expenses.
What if I am insured with two insurers for the same loss?
Then there is concurrent insurance. Most policies contain a provision that the insurer does not pay to the extent that another insurance covers the loss. In principle you are compensated for the loss once: under Article 7:960 of the Dutch Civil Code a payout may not place you in a clearly better position. So always state which other policies are in force.