- Crooij and Flipse insurance -

You’re at the right address for your personal insurance needs

We will gladly help you find the best solution

Transit and transport

Everyone has their own personal taste when it comes to cars. One person may choose a practical family car whilst the other chooses a sporty convertible. Despite these differences, we all want the same thing: to be sure that we can use our vehicle when we need it.

You are careful with your car. It is an expensive asset after all, and one that provides you the freedom to go wherever you want. That’s why it is so important to have car insurance that fits your needs. We offer different coverage options such as WA, WA limited Casco, and full Casco coverage. We also offer various options to extend your coverage with, for example, passenger insurance. Careful driving begins with good car insurance that fits your personal situation, which includes looking carefully at the terms of the policy and deductible excess. We would be happy to advise you as to the best and most economical solutions that fit your wishes.

Low premiums due to competition

The competition between insurance brokers has increased drastically in recent years. This means that new car insurance premiums have decreased significantly. It may be worth considering switching to a new insurance broker. We would be glad to help you with this and to mediate once you’ve made your decision. Based on what you find important, we will compare the products, conditions, and quality of service offered by various insurers.

Protecting your built-up no-claim

Those who have driven for years without damage are rewarded with the so-called no-claim discount on their car insurance premium. However, those who are involved in an accident which is deemed to be their fault will instantly lose a large portion of this no-claim. Luckily, more and more insurers are offering a no-claim protection add-on as a solution to this. Careful driving begins with good car insurance that fits your personal situation, which includes looking carefully at the terms of the policy and deductible excess. We would be happy to advise you about the best and most economical solutions that fit your wishes.

Compulsory Liability Insurance is required both on the BES islands and other islands. This coverage covers any damage that you cause to others. The premiums and conditions of different insurers are very varied. The prices of the premiums depend on different factors including the number of CC, brand, and model. We will be glad to go over all of these differences with you.

Completely insure your scooter

Compulsory Liability Insurance is also required for your scooter on the BES islands and other islands. This will cover any damage that you cause to others. The premiums and conditions of different insurers are very varied. The premiums depend on different factors including the number of CC, brand, and model. We will be glad to go over all of these differences with you.

Compulsory Liability Insurance

The law requires everyone who rides a moped to insure themselves against the consequences of compulsory liability. This coverage will cover damage that you cause to another up to the amount of €1,000,000.- The premiums depend on your age, postal code, and no-claim discount.

Because accidents can never be predicted

Sadly, it isn’t always possible to prevent accidents. Many accidents happen at home or at work. The consequences can be dramatic, such as permanent disability.
Accident insurance will pay out a previously agreed upon amount if you are permanently injured or killed during an accident.
The insurer will decide on the amount to be paid based on a percentage rating of the suffered injury. If you, for example, are completely blinded, the insurer will pay out 100% of the amount. If you lose a pinky, the handicap will be deemed less severe and you will receive a smaller part of the agreed amount.
Are you looking for accident insurance with a good premium and good service? We will find you the best solution.

House and Home

Insured from foundation to roof

It’s hard to think about your house being destroyed by a fire or a storm. Even on the downwind islands of Bonaire, Aruba, and Curaçao, the storm risk is substantial.

With home insurance, you will be protected against damage to your house caused by, among other things, lightning strikes, fire, storms and water damage.
Home insurance premiums are calculated based on the reinstatement value of your home. This is the amount that it would cost to rebuild your house. Most insurers calculate this value based on the square meterage of the house and the type of house.

Preventing underinsurance

It’s very important to ensure that the reinstatement value of your home insurance is calculated in the correct manner. It’s also very important to check the insured amount regularly to prevent problems like underinsurance. After all, you don’t want any sleepless nights wondering if you’re insured enough if you suffer any (covered) damage, because what you want is to be fully covered. We can help you find home insurance that fits you both in terms of premium and conditions, and we will compare and show you the various possibilities in a straightforward way.

Don’t take any risks with the contents of your home

We are often unaware of all of the things in our house. The value of the contents of one’s own home is underestimated by many. Just take a look at the kinds of appliances, furniture, clothing, and collections you come across in your home.

Good household insurance will protect you against damage caused by fire, lightning strikes, theft, or water. However, it is very important that you calculate the value of your possessions once per year in order to prevent underinsurance.

Underinsurance

You can, of course, find household insurance for a good premium and extensive service. We can offer you a great solution.

Your valuables, well insured
You enjoy playing piano and have one in your living room. You love art and have a special painting hanging above your chest of drawers. Valuable possessions that are often not covered by your household insurance.

Valuables insurance offers coverage for valuable items or collections, in case of damage, loss, or theft. Almost any type of damage is covered. Valuables that you can insure include: art, antiques, jewellery, musical instruments, photo, film, and video cameras, and diving equipment.

Also covered away from home

Valuables insurance is usually calculated per item and offers coverage for your valuables worldwide. Even if you take them out of your home.
Do you have valuables that need to be insured for a good premium and with extensive service? We can offer you a great solution.

You are going to build or renovate a house

Building or renovating your own home is an exciting project. However, things can go wrong. This could be a human error or, for example, a storm that damages the home being built. Even theft of building materials is covered. Did you know that home insurance often does not cover damage caused during building or renovating? You will need building insurance for this. It will cover damage caused to your house as well as damage that work on your house causes others. Even during the maintenance period. The premium of the building insurance depends on a few factors, including:

  • The construction period
  • The (estimated) final value of the building

The terms and conditions or building insurance can be very varied amongst different insurers. It is very important to get good advice. We would be glad to help you with this.

You are going to build or renovate a house

Building or renovating your own home is an exciting project. However, things can go wrong. This could be a human error or, for example, a storm that damages the home being built. Even theft of building materials is covered. Did you know that home insurance often does not cover damage caused during building or renovating? You will need building insurance for this. It will cover damage caused to your house as well as damage that work on your house causes others. Even during the maintenance period. The premium of the building insurance depends on a few factors, including:

  • The construction period
  • The (estimated) final value of the building

The terms and conditions or building insurance can be very varied amongst different insurers. It is very important to get good advice. We would be glad to help you with this.

Mortgage

Carefree living with the lowest monthly costs

A large part of our income is spent on monthly costs of living. Everybody wants these monthly costs to be as low as possible. This can be done by choosing the best type of mortgage and the most attractive insurances.

A mortgage is a very personal thing, as every person and situation is unique. That’s why it’s important to look at more than just the lowest interest rate when choosing a mortgage. Your costs will, after all, be decided based on: your family situation, own assets or liabilities, fiscal position, work, desired certainties, and future ambitions.
We will gladly advise you about different types of mortgages and your options. We will look with you at which mortgage fits best with your situation.
Are you looking for a mortgage for a new home, or would you like to refinance? Contact us for thorough mortgage advice.

Family & Health

Because accidents can never be predicted

Sadly, it isn’t always possible to prevent accidents. Many accidents happen at home or at work. The consequences can be dramatic, such as permanent disability.

Accident insurance will pay out a previously agreed upon amount if you are permanently injured or killed during an accident.
The insurer will decide on the amount to be paid based on a percentage rating of the suffered injury. If you, for example, are completely blinded, the insurer will pay out 100% of the amount. If you lose a pinky, the handicap will be deemed less severe and you will receive a smaller part of the agreed amount.
Are you looking for accident insurance with a good premium and good service? We will offer you a great solution.

A well insured and well taken care of funeral.

Death is often unexpected. We all have to face it sooner or later, because death is part of life. Nobody likes to think about it, but it is necessary. You don’t want your family to have to worry about the costs of your funeral, do you?

The price of funerals has increased drastically in recent years. A very modest funeral will already cost around $7,000. With funeral insurance, you will ensure that your family won’t have to deal with these costs.

A financial safety net for your bereaved

A lot changes for the bereaved after a death. Despite the loss, surviving family members have to move on. A death often has a direct impact on the financial situation of a family. It’s possible that one income is lost and that extra costs are incurred for, for example, day cares for children.

With bereavement insurance, also known as life insurance, you will ensure that there will be a safety net in place in case of the death of one of the partners. This insurance can be requested separately or together with your mortgage. You can ensure the security of your family for a low premium. The safety net covers not only the direct financial consequences of death, but also what happens in the future. Think about the costs of university tuition for your children. When both parents are alive, there is often money being saved to cover those costs. But is this possible when one of the breadwinners has passed away?

Healthy coverage for your medical costs

(Almost) everyone has right to basic insurance on Bonaire. We will gladly inform you as to what this basic insurance covers and the possibilities for extended coverage.
An important thing to think about is the limited coverage that basic insurance offers when you are overseas, for example when going on holiday. Travel insurance can help prevent big problems.

Vacation & Recreation

A carefree holiday, guaranteed

If you have good travel insurance, you won’t have to worry about any disasters during your holiday. You don’t want to have to worry about a break-in which turns your well-deserved rest into a nightmare. Not only material damage, but medical costs can also be incurred overseas and can cost a fortune. When these costs aren’t covered by basic insurance, the consequences will be major.

We will gladly insure in a way that fits your travel style. You can choose between two types of travel insurance. We offer you the possibility of continuous or expiring travel insurance. Depending on your personal preferences, we will lay out the different options for you.

Cancellation insurance covers the financial consequences of travel cancellations up to a certain amount. Even when you have to cancel your holiday early, the remaining costs will be covered by this insurance.

Watertight security for your boat

What’s more enjoyable than relaxing on your boat? The Caribbean is exceptionally suited for enjoying all the possibilities that the water offers. This does, however, mean that you won’t be the only one on the water.

There is no legal obligation to insure your boat, but why would you take that risk when you have the option of insuring the boat against damage that you cause to others (WA) or insuring the boat itself against damage? The choice of insurance depends on the type of boat and the usage. We will request quotes from different insurers so that you can make a deliberate choice between the different insurers and coverages.

Work & Income

Good pension: start thinking about it now

Those who want more income than just the fixed government allowance (AOV) after retirement, as well as those who wish to stop working early, would do well to start saving as early as possible for later. This can be done in several different ways.

Many people save via their employers for their pension. But do you know how much pension you’ve built up? And did you know that you can often save in a more attractive way? We will gladly show you the possibilities!

Complex subject

Your pension amount depends on many factors. This doesn’t make things simple. Events that can cause this to change include changing fiscal laws and legislations, changes in your professional career, marriage and having children, divorce, or the death of a partner or work disability. Do you know exactly what consequences these can have on your pension? We will be happy to inform you about this.

A clear picture of your pension

Thorough pension advice is indispensable when trying to get some clarity about your income after retirement. Our office can clearly map out your current built-up pension and decide, together with you, whether your current arrangements are sufficient. Feel free to contact us and make appointment for an introductory meeting.

Don’t leave your financial future to fate

What are your dreams for the future? Early retirement, an around-the-world trip, children, buying a house? They’re all lovely plans, but they cost a lot of money. Have you already thought about what you need to do now to be able to realize these dreams later?

By making a good financial plan, you will take an important step towards realizing your dreams. A good plan is never static, because the world is constantly changing. Not only with regards to legislation, law, tax, but also your private situation. That’s why a financial plan needs to be well-maintained.

Financial planning

Financial planning is a special form of financial advice. Your current and future financial situation is looked at from various perspectives and three-phase advice is offered:

  1. Asset build-up (income planning)
  2. Asset management (asset planning)
  3. Asset transference (estate planning)

The power of a good financial plan is the ability to combine of all of the factors that have an impact on your income and assets. You will get a clear picture of fiscal advantages that you are not making use of, unnecessary risks that you may be making, or changes that you are squandering.
Do you want a clear financial future in which your dreams come true? Contact us to make a personal financial plan. Then your financial future won’t be up to fate, but up to your own choices.

Crooij and Flipse Insurance

Your independent insurance advisor on Bonaire

We Are Happy To Advise You