Private insurances, fully covered
Assured of a complete package, a competitive premium and good conditions, with independent, tailor-made advice for all your insurances.
Excellent Private is our package approach for private clients who would rather arrange their insurance once, properly, than collect policies one at a time. We review everything you already have, remove the double cover, close the gaps and place the whole package with the insurers that offer the best premium and conditions for your situation. That covers your home and contents, your liability, your car and other vehicles, travel and valuables, income and legal expenses. We are independent and not tied to any insurer, so the comparison is genuine. Bouvy Advies works under AFM licence 12046005 and is registered with Kifid under 300.017.178. Clients rate us 4,7 out of 5 on Google.
What does Excellent Private cover?
Eight areas, and you choose which we arrange. Liability and health for your household, your home and its contents, valuables such as jewellery and art, cover while you build or renovate, life cover linked to your mortgage, travel and cancellation, your income if you fall ill, and your car and other vehicles. We compare insurers on each.
Family & health
Private liability, health cover and accident insurance for you and the people living with you.
House & possessions
Buildings and contents insurance, plus separate cover for valuables such as jewellery, art and instruments.
Building & renovating
Construction all risks cover while you build or renovate, when your normal buildings policy does not apply.
Mortgage & credit
Life cover linked to your mortgage, and cover that keeps the payments going if your income falls away.
Holidays & activities
Travel and cancellation cover, single trip or annual, including winter sports and other higher risk activities.
Work & income
Income protection and disability cover, so an illness or accident does not become a financial problem as well.
Transport & traffic
Car, motorcycle, caravan, boat and other vehicles, with the right liability and own damage cover.
Passing away & funeral
Life and funeral cover, so the costs and the mortgage do not land on the people you leave behind.
Why review your insurance as one package instead of policy by policy?
Because two problems only surface when you look at everything at once. You pay twice for the same risk, for instance the roadside legal help that sits in both your car policy and your legal expenses policy. And you carry gaps nobody noticed, such as the valuables in the house that outgrew the limit on your contents policy.
Most people build their insurance one policy at a time, taken out at the moment they bought a house, a car or a first holiday abroad. Years later nobody has the overview, and reviewing everything together is the only way to see both problems. It also puts you in a stronger position on premium, since insurers price a whole package differently from a single policy.
How does the review work?
In four steps. We map what you already have and read the conditions, not just the premium. We then compare across the market, because we are tied to no insurer. You choose what you take and we handle the applications, the cancellations and the timing. After that we stay your point of contact.
We map what you have
Send us your current policies. We read the conditions, not just the premium, and list what is covered, what is not and where the same risk is insured twice.
We compare independently
We are tied to no insurer, so we compare across the market on premium and on conditions, which is where the real differences sit.
You decide, we arrange
You choose what you take. We handle the applications, the cancellations and the timing, so nothing lapses in between.
We stay your point of contact
For a claim, a move, a new car or a question about a letter you received, you call us rather than a call centre.
Living abroad, or moving to the Netherlands? Then see expat insurances and Dutch health insurance.
Frequently asked questions
Do I have to move all my policies to you?+
No. If a policy you hold is already the best available for your situation, we say so and leave it where it is. The point is the review, not the move. Most clients end up moving part of their cover and keeping the rest, and you decide which part. We do not charge you for the policies you leave behind.
Are you independent?+
Yes. We are not owned by an insurer and not tied to one, we sell no product of our own, and we work under AFM licence 12046005. You can look that up in the AFM register yourself. We are also registered with Kifid under 300.017.178, so you have an independent route if you disagree with us.
What does the review cost?+
The first hour is free. If more work follows we agree beforehand what that costs, so you never receive an invoice you have not discussed. For general insurance our fee is usually included in the premium the insurer charges. For a mortgage or income protection a commission ban applies, so there we agree a fixed fee instead.
Can you insure art, jewellery and other valuables?+
Yes. A contents policy covers valuables only up to a limit, and collections outgrow that limit sooner than most people expect. Above it you need separate cover for valuables, usually based on a valuation so the amount is agreed before anything happens rather than argued about afterwards. See cover for valuables.
Can you insure more than one home?+
Yes, and it is worth doing them together. A second home, a holiday home or a property you let out each has its own rules on occupancy, on periods when the house stands empty, and on who is liable for damage the building causes. Those conditions differ from your main home, so a copy of your existing policy rarely fits.
Can you insure a classic car or a car collection?+
Yes. Classic cars are normally insured on an agreed value based on a valuation report, and policies attach conditions to mileage, storage and how the car is used. A whole collection is a separate case again, because you rarely drive more than one at a time. See insuring a car collection.
Can I just compare and arrange it myself?+
You can. Use compare and choose directly to arrange cover online at your own pace. That works well for a single straightforward policy. It works less well once you own several properties, valuables or a business, because the gaps then sit between the policies rather than inside one of them.
Ready to arrange the best cover?
Compare and choose directly, or schedule a personal appointment.