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Stephania Finance compares various insurance policies and puts together the optimal package for you. You can contact us with all your financial questions! Welcome to Stephania Finance!

Traffic insurance

Car insurance- All Risk

Would you like to see at a glance what the most important features of this insurance are? View the insurance card below! Here you can easily see what is and what is not covered in the policy.

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is an All-risk car insurance This insurance reimburses damage caused by or to your car. The Statutory Liability Insurance (WA) is mandatory. You choose additional coverage yourself.
	Liability (WA) If you cause damage to others or someone else's car or belongings with your car. This is a legally required insurance
	Assistance after accident This includes towing, replacement transport, repatriation, emergency repairs. Coverage varies by type of insurance
	Theft or total loss In the event of theft and total loss of the car, many insurers will give you the purchase value instead of the current market value if the damage occurs within 2 or 3 years. So read the policy conditions carefully! If the car disappears, the damage will be reimbursed if the car was properly secured.
	Repair With all damage, you usually have a free choice of who will carry out the repair.
	Damage due to fire and nature Damage caused by, for example, fire, hail, lightning, flooding or collision with an animal is insured.
	Window damage Reimbursement of the cost of repair via an affiliated garage.
	Burglary Damage caused by (and attempted) theft is insured. And theft from the car (burglary). Requirements may apply to the security of your car. This depends on the type of car.
	Damage to your own car All damage to your own car is insured. Even if it's your own fault.
	Choice: Roadside assistance You choose whether you want to insure roadside assistance. Conditions apply here, such as the year of manufacture of your car.
	When do insurers not pay out? In case of damage caused by intent or when driving without a driver's license. Or through the abuse of alcohol or drugs. And in case of damage during rental or transport for a fee.
	Be Aware: Auto insurance premiums are getting more and more expensive. Annual shopping always pays off. Feel free to contact our office for a premium statement: +31646033720.
	Own Risk There is often no deductible unless you choose a repairer who does not work with the insurer when repairing your own vehicle. In that case, a deductible of often € 250 per claim applies. Call our office for more information: +31646033720 . Higher deductible for drivers under 24 years of age. In some situations/events, specific deductibles may apply.
	Reward for no damage For each year that you do not claim a claim, you can receive a premium discount (up to a maximum). If you claim damage, the discount may (partially) expire. Or you pay a surcharge.
	Exit, change, or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to [bedrijfsmail] or call +31646033720 !

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is car insurance WA + Limited Casco This insurance reimburses damage to others caused by or with your car. Third-party liability insurance is mandatory. In addition, you are insured for damage to your own car due to a number of events. Such as fire, natural disasters and theft.
	Liability (WA) If you cause damage to others or someone else's car or belongings with your car. This is a legally required insurance.
	Assistance after accident This includes towing, replacement transport, repatriation, emergency repairs. Coverage varies by type of insurance.
	Theft or total loss In the event of theft or total loss of the car, you will be reimbursed the current value. If the car disappears, the damage will be reimbursed if the car was properly secured.
	Repair With all damage, you usually have a free choice of who will carry out the repair.
	Damage due to fire and nature Damage caused by, for example, fire, hail, lightning, flooding or collision with an animal is insured.
	Window damage Reimbursement of the cost of repair via an affiliated garage.
	Burglary Damage caused by (an attempted) theft is insured. And theft from the car (burglary). Requirements may apply to the security of your car. This depends on the type of car.
	Other damage to your own car Not insured
	Choice: Roadside assistance You choose whether you want to insure roadside assistance. Conditions apply, such as the year of manufacture of your car.
	When do insurers not pay out? In case of damage caused by intent or when driving without a driver's license. Or through the abuse of alcohol or drugs. And in case of damage during rental or transport for a fee.
	Be Aware: Auto insurance premiums are getting more and more expensive. Annual shopping always pays off. Please contact our office for a premium statement: +31646033720. Would you like more extensive coverage than WA + Limited Casco? Then take out Full Casco insurance. You can also take out legal assistance insurance for traffic or damage insurance for passengers
	Own risk There is often no deductible unless you choose a repairer who does not work with the insurer when repairing your own vehicle. In that case, a deductible of often € 250 per claim applies. Call our office for more information: +31646033720 Higher deductible for drivers under 24 years of age. In some situations/events, specific deductibles may apply.
	Reward for no damage For each year that you do not claim a claim, you can receive a premium discount (up to a maximum). If you claim damage, the discount may (partially) expire. Or you pay a surcharge.
	Exit, change or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl . Or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is car insurance WA This insurance reimburses damage caused by your car. The Statutory Liability Insurance (WA) is mandatory. You choose additional coverage yourself.
	Liability (WA) If you cause damage to others or someone else's car or belongings with your car. This is a legally required insurance.
	Assistance after accident This includes towing, replacement transport, repatriation, emergency repairs. Coverage varies by type of insurance.
	Theft of total loss Not insured
	Repair Not insured
	Damage due to fire and nature Not insured
	Window damage Not insured
	Burglary Not insured
	Choice: Roadside Assistance You choose whether you want to insure roadside assistance. Conditions apply here, such as the year of manufacture of your car.
	Other damage to own car Not insured
	When do insurers not cover damages In case of damage caused by intent or when driving without a driver's license. Or through the abuse of alcohol or drugs. And in case of damage during rental or transport for a fee.
	Be Aware: Auto insurance premiums are getting more and more expensive. Annual shopping always pays off. Feel free to contact our office for a premium statement: +31646033720 Do you want more extensive coverage than WA or WA + Limited Casco? Then take out a Full Casco insurance. You can also take out legal assistance insurance for traffic or damage insurance for passengers.
	Own Risk Does not apply.
	Reward for no damage For each year that you do not claim a claim, you can receive a premium discount (up to a maximum). If you claim damage, the discount may (partially) expire. Or you pay a surcharge.
	Exit, change or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is car moped insurance This insurance reimburses damage caused by you with your moped, scooter, microcar or bicycle with an auxiliary motor. The Legal Liability (WA) is mandatory. You choose additional coverage yourself.
	Liability (WA) Are you causing damage to someone else with your moped, or to someone else's belongings or motor vehicle? Then you are liable for this. That is why, according to the law, you must take out civil liability insurance.
	Choice: breakdown assistance With the breakdown assistance cover you are assured of assistance in the event of a mechanical breakdown. This cover is provided by the ANWB for many insurers.
	Choice: damage to your moped Damage to your moped is insured under the Collision coverage. In addition, your helmet and clothing are insured up to a maximum of € 350 if your moped is involved in the cause of the damage.
	Choice: theft or total loss In the case of theft cover, insurers reimburse for a moped, light moped or microcar if you are the 1st owner: the purchase price, if the moped is not older than 12 months the insured amount, if the moped is older than 12 months Both allowances are reduced by 1.8% per month from the age of 13 months. Current value with no 1st owner. Insurers reimburse the purchase value for bicycles with auxiliary motors if you are the 1st owner and the bicycle with auxiliary motor is less than 36 months old. You get the current value if you are not the 1st owner.
	Choice: Damage caused by fire and nature In the case of damage, insurers reimburse damage caused by hail, storms, but only due to flying or falling objects, and natural disasters (such as an avalanche and flood). Insurers also reimburse damage caused by fire, short circuit, spontaneous combustion and lightning strikes.
	Choice: Roadside assistance You choose whether you want to insure roadside assistance. Conditions apply, such as the year of manufacture of your car.
	Choice: Redress legal aid With this additional insurance, in the event of an accident, the damage (vehicle damage, personal injury and additional costs and damage due to accident) is recovered from the other party, if the other party is liable for this.
	Choice: Accident insurance for passengers This supplementary insurance offers a one-off payment in the event of permanent disability or death due to an accident. The insured amounts are: Upon death € 3,000 In the event of permanent disability, a maximum of € 30,000.
	When do insurers not pay out? In the event of damage caused by intent, reckless behavior, by driving without a valid driver's license or moped certificate, or (attempted) fraud. But also if you have tuned the vehicle or participated in competitions, speed runs and if you were under the influence of alcohol, drugs and/or medication. Insurers also do not pay out: in the event of damage caused by refueling with the wrong fuel, if you are abroad for more than six months in a row, in the event of wear, repair, construction or material errors.
	Theft Theft cover is not insured for theft of a moped, light moped or bicycle with an auxiliary motor if the standard lock and an additional lock have not been used. Standard lock: A lock fitted by the manufacturer. Additional lock: is an ART approved lock for: - Moped and moped of category 3 or higher. - Bicycles with auxiliary motors of category 2 or higher.
	Other Driver Is someone under the age of 25 riding your moped, etc.? And is he not listed as a regular driver on the policy schedule? Then the damage is not insured
	Be Aware: Premiums for moped insurance are becoming more and more expensive. Annual shopping always pays off. Feel free to contact our office for a premium statement: +31646033720
	Own risk No deductible applies to the liability cover. With the Theft and Collision cover, the deductible per damage event is € 125. Do you have a bicycle with an auxiliary motor? Then you have a deductible of € 20 per damage event. With a microcar, the deductible is € 300. Call our office for more information: +31646033720
	Reward for no damage For each year that you do not claim a claim, you can receive a premium discount (up to a maximum). If you claim damage, the discount may (partially) expire. Or you pay a surcharge.
	Exit, change or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call info@stephaniafinance.nl!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is bicycle insurance This insurance reimburses the repair costs of damage to your (electric) bicycle. In addition, we reimburse the damage as a result of the theft of your bicycle.
	Theft of total loss You will be paid the insured value instead of the current market value if the damage occurs within 3 years. After three years, insurers reimburse the insured value less a fixed depreciation. Whether you receive compensation for theft or total loss depends on the insurance you choose. The insured value is the value of the (electric) bicycle as stated on the policy schedule. The current market value is the value at the time the damage occurred.
	Choice: breakdown assistance You can choose breakdown assistance in combination with Damage to your bicycle. Insurers guarantee roadside assistance 24 hours a day throughout the Netherlands and in the border area with Belgium and Germany. Insurers can make use of the network of certified bicycle mechanics of FietsNed or the ANWB. They try to repair the bike on the spot. If that is not possible, we will take you and your bicycle to a location of your choice within a radius of 30 kilometers. Are you cycling with someone else? Then we also transport this person and his bicycle.
	Damage due to theft If you have damage to your bicycle because your bicycle, or parts of your bicycle, are stolen, you are entitled to compensation for the damage.
	Choice: damage to your bike All damage to your bicycle is insured. Even if you caused the damage yourself or if it was caused by vandalism. Insurers reimburse the repair costs of the damage, but never reimburse more than the insured amount. You state the value of your bicycle when applying for insurance. This is the insured amount. Insurers never reimburse more than this insured amount.
	Legal help If your bicycle is damaged by someone, that person must pay the repair costs. This also applies to people who ride your bicycle with your permission. To help you with this, legal assistance is insured as standard. As a rule, legal assistance is performed by specialists from a legal expenses insurer.
	Damage to the battery Damage to the battery is often insured if the battery was new when the insurance was taken out.
	When do insurers not pay out? Below are the main exclusions. There are several reasons why you are not entitled to cover, such as intent or use of narcotics. Damage that you cause to others with your bicycle is also not insured. All exclusions can be found in the policy conditions.
	Wear Some parts of a bicycle wear out due to normal use, the weather or poor maintenance. That damage is not insured.
	Bike not locked? Insurers will not reimburse damage in the event of theft if the bicycle was not locked or if you cannot provide the original keys.
	Fraud Insurers will not pay out if you deliberately try to mislead them.
	Be Aware: Bicycle insurance premiums are getting more and more expensive. Annual shopping always pays off. Feel free to contact our office for a premium statement: +31646033720.
	Bicycle lock with the ART quality mark Insurers generally only reimburse theft damage if you use a bicycle lock with an ART quality mark . The lock must have at least 2 stars. A lock with an ART quality mark always has an imprint with the ART logo, the number of stars for the category and a four-digit approval number.
	Damage to parts and the battery Damage to parts of the bicycle due to scratches and scrapes is only insured if the damage occurred at the same time as the damage to the rest of the bicycle. Damage to the battery is not covered if the battery is working normally.
	Own risk In a number of cases you have to pay a deductible or part of the damage will be for your account. You do not pay a deductible if your bicycle is stolen, unless it is a racing bicycle, ATB or MTB. See the policy conditions for the other deductibles. Call our office for more information: +31646033720.
	Exit, Change, Stop The insurance starts on the date stated on the policy. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is a trailer fuse This insurance reimburses damage by or to your trailer. Such as a trailer, boat trailer, horse trailer or luggage cart.
	Theft of total loss With a (new) trailer you can opt for a value guarantee period of 1, 3 or 5 years. Theft is insured if the trailer is locked. Theft falls under fire/theft/nature, total loss under damage/collision. After the value guarantee period has expired, the value of the trailer is determined again by means of a depreciation table. After the value guarantee period has expired, you can again opt for a value guarantee period.
	Repair You choose who repairs the damage.
	Where am I covered? This insurance covers damage in the Netherlands and in Europe.
	Be Aware: Non-commercial rental can be insured.
	What is not insured? Damage caused by intent or when driving without a valid driver's license. Or through the abuse of alcohol or drugs. And damage caused during rental. Please note: damage to or theft of items in the trailer is not insured.
	Be aware of Coverage restrictions? When the trailer is coupled, but also when it is released, the insurance of the towing vehicle offers third-party liability cover for the trailer. If the trailer is not coupled to the towing vehicle and it has come to a safe stop, the liability insurance provides cover.
	Own Risk there is often a deductible of € 150 per event.
	What are my obligations? When you apply for the insurance, you must answer our questions honestly. You must do as much as possible to prevent and limit damage. Report damage to Stephania Finance as soon as possible.
	Exit, Change or Stop The insurance starts on the date stated on the policy. After the first year you can cancel the insurance daily and in writing or by e-mail with a notice period of 1 month. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is passenger damage insurance (SVI) This insurance reimburses damage to persons and items in the car in the event of an accident. This is additional insurance. Is the damage covered by another insurance? Then the insurance applies.
	For whom? The insurance covers damage to and from the driver and passengers.
	Personal injury Insurers reimburse medical costs and costs in the event of death (such as funeral costs). Does a passenger become disabled? In that case, insurers reimburse, for example, loss of income or costs for domestic help.
	Material damage Insurers reimburse damage to your luggage, clothing or belongings in the car.
	Passing away Does a passenger die in an accident? In that case, insurers will reimburse the damage caused to the next of kin.
	Disability Does an occupant become permanently disabled? In that case, insurers will reimburse the damage that arises as a result. The amount of compensation depends on the victim's personal circumstances. Occupation and age, among other things, can be of influence.
	When do we reimburse? Insurers reimburse damage if you are in the car, get in or out, repair the car on the way or help someone along the way. Even if you are liable yourself, or if it is unclear who is liable.
	Damage to the car, caravan or trailer Not insured
	Money, checks, credit cards Not insured
	Grievance Money Not Insured
	When do insurers not cover? Insurers do not pay out, among other things, if there is intent; in the event of damage to persons in the luggage compartment; in case of damage caused by a driver who is not allowed to drive the car, or during a racing competition.
	Be Aware: No seat belt on? Then the benefit is 25% lower. The reduction is not applied if not wearing the seat belt has had no influence on the damage.
	Maximum reimbursement Depending on the cover you have chosen for this insurance, insurers will reimburse up to a maximum of € 500,000 or € 1,000,000 per event.
	Extra: additional coverage on car insurance You can insure this cover on your car insurance policy.
	Exit, Change or Stop The insurance starts on the date stated on the policy. After the first year you can cancel the insurance daily and in writing or by e-mail with a notice period of 1 month. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is passenger/passenger accident insurance? This insurance pays out an amount in the event of permanent disability or death due to an accident. The amount that we pay out is not based on the actual damage.
	For whom? The driver and passengers are insured. The passengers must be in the car with your permission.
	Passing away Does the driver or a passenger die in an accident? Then the heirs will receive the insured amount. You can choose from a number of insured amounts ranging from € 5,000 to € 40,000.
	Disability Is the driver or a passenger permanently disabled? Then we pay out an amount. The amount depends on the degree of disability. You can choose from a number of insured amounts ranging from € 15,000 to € 50,000.
	When do we reimburse? The insurance applies while driving the car, getting in and out, refueling, providing first aid in the event of an accident and performing emergency repairs.
	Damage to the car Not insured
	Damage to stuff Not insured
	Grievance money Not insured
	Damage to own car Not insured
	Choice: Roadside assistance You choose whether you want to insure roadside assistance. Conditions apply here, such as the year of manufacture of your car.
	When do insurers not cover? Damage caused by a driver who is not allowed to drive the car, for example through the abuse of alcohol or drugs. Or if the occupant was not seated in a seat in the car.
	Be Aware: No seat belt on? Then the benefit is 25% lower. The reduction is not applied if not wearing the seat belt has had no influence on the damage.
	Extra: additional coverage on car insurance You can insure this cover on your car insurance policy.
	Exit, Cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Premiums keep getting higher. Annual shopping always pays off. Will anything change in your situation? Then report this to Stephania Finance. Send an email to [bedrijfemail] or call [bedrijftelefoon]!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions! PLEASE NOTE: there are also policies that offer Limited cover or even just fire cover!
	What is an All Risk household insurance policy? This insurance reimburses damage to items in your home. Insurers reimburse damage caused by fire, theft, burglary, precipitation, impact of hailstones, storm, leakage, collision, falling trees and damage caused by falls and bumps. In addition to the compensation, insurers also reimburse the costs that you have to incur to prevent or limit damage, such as salvage costs, costs for emergency facilities, clean-up costs, remediation costs, costs for replacement shelter, extra living expenses and temporary storage.
	What is insured? All items in your home, such as furniture, TVs, books, appliances, kitchenware, dishes, clothes, curtains, jewelry, art, collections, musical instruments and sports equipment. Your household effects also include your pets, money, scooter, (electric) bicycle, riding mower, scooter, medical equipment (also rented or on loan), landscaping, garden furniture, jacuzzi, garden tools, laundry and your tenant or owner's interest.
	Jewelry Jewelry is insured up to a maximum standard, also against theft. Do you have a higher value of jewelry and do you want to insure it? Insurers will then reimburse a maximum of the amount that you have stated. You can also insure your jewelry against loss and outside your home with most insurers. An alternative is a separate valuables insurance!
	Electronic equipment Audio, video, image, photo, film, computer) equipment is insured up to a certain maximum as standard, also against theft. You can increase the insured amount. Insurers will then reimburse a maximum of the amount that you have stated. Do you also want to insure your mobile equipment outside your home? Ask for the possibilities.
	Items outside the home Your belongings have limited insurance outside your home. Do you want to insure your valuables and mobile electronics outside your home? That is possible, ask for the possibilities: +31646033720 or info@stephaniafinance.nl
	When do insurers not cover? Damage due to, among other things, earthquake, flooding, construction errors, animals, insufficient maintenance and damage that has gradually arisen is not insured. Damage caused by intent or recklessness or if criminal or criminal activities take place in your home is also not insured.
	Falling and bumping Damage to your household effects due to falls and bumps is insured. For example, a cabinet that falls over and is damaged as a result. Or a glass of red wine that you drop on your rug. Do you also want to insure your mobile electronics, such as your smartphone, tablet or laptop, against falls and bumps? Ask for the possibilities.
	Be Aware: Water damage is not always covered. For example, if the water damage is caused by leaking sealant joints or if precipitation enters through open windows or doors. There is also limited coverage if your house is empty, uninhabited, out of use or squatted and if you are going to renovate or add to it.
	Extra: elective coverages You can opt for the following additional optional cover: Loss of valuables and outdoors, Mobile electronics, Professional equipment, Rental, Household contents at another address and Glass. Ask for the possibilities.
	Insured amount Many insurers do not require you to specify an insured amount yourself. There is therefore no insured amount on your policy schedule. However, maximum reimbursements apply for certain items in your home or insurers reimburse the damage according to current value.
	Counter-expertise after damage Would you like to hire your own expert? Then you will be reimbursed for the reasonable costs involved. The expert must, however, adhere to the Code of Conduct for Expertise Organizations or have comparable expertise in the field of damage assessment. Please contact us in advance about the reimbursement of these costs: +31646033720 .
	Own risk You choose your own risk: € 0, € 100 or € 500. The higher your deductible, the lower your premium. Do you live in a rented house? Or do you own an apartment for sale? In the event of storm damage to your tenant or owner's interest, a deductible often applies.
	Exit, cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!
	A safe house, in a safe neighborhood, a safe feeling The Police Quality Mark Safe Living (PKVW) certification scheme is a safety instrument that contributes to social safety in and around homes, residential complexes and neighborhoods and districts. The chance that an occasional burglar will ignore your home is twice as great if it meets the requirements of the PKVW. If your home meets the Police quality mark, many companies offer a premium discount.

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions! PLEASE NOTE: there are also policies that offer Limited cover or even just fire cover!
	What is an All Risk home insurance policy? This insurance reimburses damage to your home. This concerns damage due to, for example, fire, precipitation, storm, leakage, burglary, lightning or a collision.
	What is insured? Your home is insured in the event of damage. The house also includes outbuildings, sheds, garages and carports, antennas, blinds and shutters, solar panels, swimming pools and jacuzzis, central heating installations, foundations, site fencing.
	Glass Glass breakage on the windows of the home is often simply insured.
	Garden Damage to the garden is not covered by the home insurance. With most insurers, this damage is covered by the contents insurance.
	Renovation and vacancy Are you working on an extension or renovation of your home? In that case, insurers also insure the items that are permanently placed in your home. In the event of theft, there must be traces of burglary. Insurers do not insure damage to glass during construction, renovation or vacancy. You are obliged to report that your house is empty. You can read in the policy conditions what is and is not insured. The policy conditions are ultimately leading.
	When do insurers not pay out? Damage due to, among other things, earthquake, flooding, construction errors, animals, insufficient maintenance and damage that has gradually arisen is not insured. Damage caused by intent or recklessness or if criminal or criminal activities take place in your home is also not insured.
	Vandalism Insurers generally reimburse damage caused by vandalism to your home.
	Be Aware: Insurers do not always reimburse damage caused by water or precipitation. In the policy conditions you can read when insurers do and do not. Or call our office: +31646033720.
	Choice: remediation costs Sometimes the air, ground or water under and around your home is contaminated by an insured event. If this has to be cleaned up, you must pay these (remediation) costs yourself, unless you take out additional insurance. Remediation costs are costs that must be incurred to clean up a contamination. These costs include the costs of research, cleaning, cleaning up, storing, destroying and/or replacing the soil, (ground) water and/or surface water, and the costs of isolating the contamination.
	Insured amount Many insurers do not require you to specify an insured amount yourself. There is therefore no insured amount on your policy schedule. Insurers reimburse the rebuilding value. If you do not want or are not allowed to rebuild your home, insurers will reimburse the sale value or the demolition value. Insurers generally reimburse the new value of built-in appliances or appliances such as the central heating boiler. If these are worth less than 40% of the current new-for-old value, insurers will reimburse the current market value. Check the conditions and the depreciation list or ask our office for advice.
	Counter-expertise after damage Do you disagree with the assessment of the damage by the insurer's expert? Then you can also hire an expert yourself. The costs of your own expert will reimburse insurers to the extent that this is reasonable. Please contact us in advance about the reimbursement of these costs: +31646033720
	Own risk You choose your own risk. For storm € 0.00 or € 325.00. For other damages € 0.00, € 100.00 or € 500.00. The higher your deductible, the lower your premium.
	Exit, cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!
	E A safe house, in a safe neighborhood, a safe feeling The Police Quality Mark Safe Living (PKVW) certification scheme is a safety instrument that contributes to social safety in and around homes, residential complexes and neighborhoods and districts. The chance that an occasional burglar will ignore your home is twice as great if it meets the requirements of the PKVW. If your home meets the Police quality mark, many companies offer a premium discount.

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is liability insurance? This insurance reimburses damage if you accidentally injure someone (injury) or damage someone else's property. And if you are legally liable for this damage. This is also insured if you accidentally injure a housemate.
	For whom? You, your family members and other housemates. Domestic staff (such as an au pair or maid) and your pet are also insured. Housemates are unmarried (foster and step) children, guests and family members living at home. Unmarried children living away from home who study in Europe are also insured.
	Babysitting or staying over Liability for damage caused while babysitting or while staying with someone else is insured. Was the damage to the babysitter caused by your child (under 14 years old) or pet while babysitting? And are you not liable? This can be insured with some insurers.
	Damage during friend service Damage that you cause during a friend's shift is insured up to a certain maximum. Even if you are not liable.
	Pet Damage Damage caused by your pets to someone else is insured. For example, your dog jerks off and suddenly runs into the street. A cyclist is injured as a result.
	Damage caused by your own home Damage caused by your home in the Netherlands, of which you are the owner, is insured. For example, a roof tile that falls on a neighbor's car. Do you have a second home, holiday home or mobile home in Europe? You can also insure that.
	Damage to rented or borrowed items Damage to rented items is not insured. Damage to borrowed items is often insured up to a certain maximum. Are you renting a house or holiday accommodation? Then you are insured in certain cases. Consult your policy conditions.
	Damage by car Liability for damage with or by motor vehicles is not insured. This is covered by your car insurance (WA). Was the damage caused by, for example, a mowing machine (maximum of 16 km/ph) or an e-bike? Then you are insured. For more information, please refer to your policy conditions.
	Damage due to sports and games If you accidentally injure a fellow player while playing sports, you are often not liable. Even if you break someone else's belongings during a sports and game situation. In that case, the damage will not be reimbursed
	Damage during work Liability for damage that occurs during paid work is not insured. Liability for damage caused during volunteer work is insured. Even if you receive a small expense allowance for this.
	When does the insurer not cover? In case of damage caused by intent or a crime. Or when it comes to damage to your own belongings or those of your family members or housemates.
	Be Aware: Is the damage covered by the insurance? But are you not liable? In that case, insurers can put forward a defense on your behalf against the person who has held you liable.
	Extra: recourse legal assistance Do you want to recover damage caused by someone else? In that case, opt for the optional cover for Story Assistance. Our office can tell you more about this.
	Own risk You have no deductible. Do you want a deductible against a premium discount? Then you can opt for a deductible of € 100 or € 500. You can also opt for an excess of € 250 for damage caused by children or pets.
	Exit, cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is legal expenses insurance? With this insurance, you will receive legal assistance from the insurer's lawyers in the event of an unexpected conflict. Other costs are also covered up to a certain maximum, for example legal costs, costs of independent experts, etc.
	Where am I insured? You are insured in the event of conflicts in the Netherlands, but sometimes the insurance also applies throughout the EU (Consumer & Housing (except home), Income), sometimes even throughout the world (Traffic). In this case, the policyholder must reside in the Netherlands.
	What is insured? You can choose what you want to be insured for or not. This insurance has a number of modules that you can insure.
	Choice: Traffic Legal help if you want to recover damages that you have suffered in traffic. For example, damage to your car by someone else. Applies to all participation in traffic, including walking, cycling, skiing and boating.
	Choice: injury Legal help if you want to recover personal injury from someone else. For example, after a collision, accident at work, or due to a medical error.
	Choice: living Legal assistance in a conflict about renting, buying or selling or building or renovating your home. Or conflicts with neighbors or the government about your home.
	Choice: work & income Legal assistance in a conflict with an employer or benefits agency.
	Choice: purchase Legal help if you have a conflict about items or services you buy. For example about a kitchen, a holiday booking or about energy or telecom.
	Choice: family & relations Legal assistance in a conflict about, for example, an inheritance
	Choice: tax & capital Legal assistance to appeal against a decision of the tax authorities. Or in case of a conflict about a second home or about asset management.
	When legal assistance will not be given? You will not receive legal assistance if you report the conflict too late. Or if you have not insured the required module. You are also not insured for legal assistance in the event of intent and existing conflicts. Sometimes not even in divorce. You will not get help with business conflicts either.
	Free choice legal aid provider If your conflict has to be brought before a judge, you can choose a legal adviser yourself. Some conditions apply. Even if the counterparty is also insured with the same insurer, you can often choose a legal assistance provider yourself.
	Be Aware: Report a conflict to our office immediately before taking any other action. The insurer will then try to resolve the conflict as quickly as possible.
	Waiting time There is no waiting period for this insurance. After you have taken out the insurance, conflicts that arise afterwards are immediately insured. You are immediately insured, unless you knew or could have known at the time of application that a dispute could arise.
	Maximum costs and threshold There is a maximum to the external costs that insurers reimburse for your legal assistance. You will not receive legal assistance if your case involves less than amount x. This does not apply to recovering damages or in criminal proceedings.
	Exit, cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions.
	What is cyber insurance? This insurance offers help if you are a victim of cyber criminals such as phishing, malware (viruses) and ransomware. The costs of assistance, research and data recovery are insured. We also pay compensation for loss of money from your account. In addition, identity fraud (online and offline) is also insured.
	For whom? Cyber insurance insures you and your family members living at home. Children under the age of 27 who study away from home are also covered by the insurance. There is only cover for damage that you suffer as a private individual.
	Insured amount A maximum of € 50,000 per event is available for solving cyber incidents. We never pay more than € 100,000 per policy per year. The insured amount is available for, among other things, the costs of assistance (24/7), computer assistance (such as data recovery), investigation costs (according to the cause and extent of the incident) and e-reputation restoration.
	Cyber Extortion The costs for assistance, research and ransom in the event of cyber extortion are insured. This is a situation where someone forces you to pay a ransom through threats to destroy, damage, or disclose personal or privacy-sensitive information. The ransom will be refunded if paid with our approval. Additional information Example: by opening an attachment in an email, ransomware has been installed on your computer. This makes all files, including photos and important documents, inaccessible (encrypted). The files can be decrypted after paying a ransom.
	Identity Theft The costs of assistance and research in the event of identity fraud are insured. This is misusing your identifiers. Third-party claims as a result of identity fraud are also insured. Additional information Example: with a false copy of your driver's license or passport, a car is rented by someone else in your name, which is then not returned. You will be summoned for the wrongful appropriation of the car.
	Invasion of privacy Insured are the costs for assistance, research and data recovery after loss, theft or damage to personal data or privacy-sensitive data of you or someone else that is stored on your computer. Claims from third parties due to the infringement are also insured. Additional Information Example: By clicking on a link on the Internet that is fraudulent, cyber criminals have gained access to all the files on your computer. They will look for useful information about you that is useful to them. To erase the digital traces of this, the entire contents of the hard disk are erased, including photos and data from a medical specialist
	Loss of money on account Insured are the costs of assistance, research and monetary loss resulting from the loss of money on account due to phishing (e.g. a personalized fake invoice), malware or hacking. The fraudulent use of a debit or credit card in the form of a cash withdrawal or cash purchase is also insured. Additional information Example: in a "phishing mail" your login details are requested for internet banking. The e-mail is so good that you enter the details and think to log in to the site of your bank. In reality, cyber criminals can use this information to transfer funds from your bank account to their own account
	E-Reputation Damage The costs of assistance and the costs of hiding negative statements or, as far as possible, removing them from search results from online search engines are insured. This applies if your reputation has been intentionally tarnished as a result of negative messages, insults or privacy-sensitive data posted online. Additional Information Example: Compressing photos are downloaded by cyber criminals when your computer network is breached. These are then made public. Or it may be that a fake Facebook account is made of you on which racist statements are posted, supposedly in your name.
	Not Insured: Damage due to war, natural disasters, nuclear reactions, insurance fraud and failure to fulfill obligations is not insured. Damage caused by intent, gross negligence or deliberate recklessness is also not insured.
	Walk in Damage that occurred prior to the commencement date is not insured
	Insured as (co-)perpetrator Damage suffered by an insured and of which another insured is a suspect, the perpetrator or a co-perpetrator is not insured.
	Lack of appropriate security measures Damage resulting from the lack of appropriate security measures is not insured. By appropriate security measures we mean the careful use of passwords and the use of up-to-date antivirus software from a reputable supplier such as Eset, AVG, McAfee or Norton.
	Be Aware: Coverage Limitations You are only entitled to a ransom payment if this has been paid with the express consent of the insurer.
	Where am I covered? The coverage of this insurance is worldwide. So it doesn't matter where you are at the time of the incident and it doesn't matter where the incident was carried out from. Dutch law applies to insurance. This means that the legal rules of the Netherlands always apply. Also in case of incidents with foreign parties.
	Own Risk The deductible is usually € 125.00 per event.
	Exit, cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

	PLEASE NOTE: you cannot derive any rights from this general insurance card. Every insurance company uses its own insurance cards that can therefore differ! If you want to know exactly what you are insured for, you should read the policy conditions!
	What is houseboat insurance This insurance covers financial setbacks in the event of damage to your houseboat. In addition to damage to your houseboat, breakage of glass is insured and you can also insure damage to your household effects.
	What is insured (Liability) You are insured if you are liable for damage with or by the houseboat to persons or things. As a rule, companies reimburse a maximum of € 1,000,000 per event. For damage to your houseboat, the insured amounts are stated on the policy.
	What is insured? The insurance covers damage to your houseboat caused by most sudden external events. For example, damage caused by: fire, theft, collision and storm.
	What is insured? Moving your houseboat If your houseboat needs to be moved, there is cover within a radius of 15 km.
	What is insured? Extra information Your household effects are also covered when the household effects are outside the houseboat. For example in other (out)buildings, on terraces and when moving house. Theft in buildings and outbuildings is insured after a burglary up to a maximum of € 5,000 per event.
	Choice: shore accommodation In addition, you can also insure your (floating) terrace, shed, scaffolding, bollards, etc
	Choice: Renovation Houseboat Are you renovating your houseboat? Then your household effects are covered in addition to your houseboat if you have co-insured them. Theft of parts of the houseboat including, for example, materials and raw materials intended for the houseboat are also covered. In that case, there must be a break-in in an enclosed area of the houseboat or an enclosed storage area on the shore
	Choice: household effects Items used for household purposes on board are insured.
	What is not insured? Damage caused with intent, gross negligence or negligence Damage caused by normal wear and tear, poor maintenance or your pets Damage if you rent out your houseboat Damage due to precipitation entering through open windows, doors or hatches
	Are there any coverage restrictions? You are obliged to take measures to prevent and limit damage. For example, store valuables out of sight. The cover of your houseboat applies to the berth stated on the policy sheet
	Be Aware: Premiums for houseboat insurance are getting more and more expensive. Annual shopping always pays off. Feel free to contact our office for a premium statement: +31646033720.
	Own Risk Standard deductible is € 100 for damage to the household effects or the houseboat. In the event of a storm, the deductible is € 200 per event. When moving your houseboat, the deductible is € 1,000 per event. If you only have glass damage, you have no deductible.
	What are my obligations? When applying for this insurance, the company will ask you a number of questions. It is important that you answer these questions correctly and completely. Is your situation changing? Please notify us as soon as possible. In the event of damage, you must do everything you can to limit the damage as much as possible. In addition, you must report the damage to us as soon as possible.
	Exit, cancel or stop The insurance starts on the date stated on the policy. After the first year, you can cancel the insurance on a daily basis. Will anything change in your situation? Then report this to Stephania Finance. Send an email to info@stephaniafinance.nl or call +31646033720!

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Traffic insurance

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Home insurance

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Which coverage do you choose for your home and household effects?