Medical
- 24/7 emergency assistance centre
- Repatriation
- Above the Dutch rate
All year · unlimited trips · maximum trip duration
Continuous business travel insurance
A continuous policy runs on through each contract year, but has a maximum number of consecutive days for each individual trip.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Doorlopende zakenreisverzekering.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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 activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Continuous business travel insurance is a form of contract: the cover is in place for a year and automatically goes with every business trip you make in that year. You do not have to report anything and there is no application for each trip. Against that there is one hard limit that appears on every continuous policy: the maximum continuous length of each trip.
That limit is stated on your policy schedule. If a trip lasts longer, not only does the excess period fall outside the cover, but you run the risk that the whole trip is uninsured from day one. If a project is extended while you are there, report it during the trip and not afterwards. For stays that consistently exceed that limit, an expatriate or secondment cover the right form.
Beyond that the contractual side counts: start date, automatic renewal and notice period. The cover generally starts when you leave your home or business address and ends on your return, even where the trip begins within the Netherlands.
What does continuous business travel insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Luggage
Business equipment is subject to sub-limits.
- Laptop and phone
- Samples and materials
- Often declared separately
Interruption
If the trip does not go ahead or is cut short.
- Cancellation
- Replacement trip
- Missed connection
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical expenses outside the Netherlands | Yes | Yes |
| Repatriation in case of illness or accident | Yes | Yes |
| Business equipment and samples | Sometimes | Yes |
| Cancellation of the trip | No | Yes |
| Taking part in high-risk sports | No | Sometimes |
| Travel to an area with a negative travel advisory | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The maximum duration per trip
Continuous means continuous in time, not unlimited per trip. The policy schedule states a maximum number of consecutive days that one trip may last. If that is exceeded, the insurer can treat the trip as uncovered in its entirety. Count the days from departure to return, including weekends spent there. If you know in advance that a job will overrun, have a temporary increase recorded before you leave.
When the cover starts and ends
Most continuous policies let the cover start as soon as the insured leaves his home or business address and end on his return there. An accident on the way to Schiphol therefore falls within it. What does not fall within it is the period before the start date of the contract: a trip that was already under way when the policy started is not covered, not even for the remaining part.
Contract term, renewal and cancellation
A continuous policy usually renews automatically for a year and can then be cancelled at any time with one month's notice. If you switch, let the new policy start on the day the old one ends. A gap of a few days coincides exactly with the trip you forgot, and cover cannot be arranged after the event. We arrange the cancellation when you switch.
What falls outside continuous cover
Not covered are: trips exceeding the maximum consecutive trip duration, stays that are in fact a move or emigration, and travel to destinations subject to a negative travel advisory. If you only report a claim after the end of the contract year, the insurer can rely on the notification deadline in Article 7:941 of the Dutch Civil Code where its interests have been harmed as a result.
What does your premium depend on?
- Maximum trip duration chosen — A policy with a more generous limit per trip is more expensive than one with a short limit.
- Number of people on the policy — Continuous cover in the name of one or a few travellers is rated differently from cover for the whole company.
- Contract term and form of cancellation — A contract with a longer term generally has different premium terms from an annual contract.
- Area of cover under the contract — The area chosen applies all year, including for trips you only plan later.
- Including the cancellation section — On continuous policies cancellation is almost always a separate, optional section.
- Excess per event — A higher excess on luggage and assistance brings the continuous annual premium down.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
What happens if a trip lasts longer than the maximum?
The insurer can then argue that the trip did not meet the description in the policy and treat the whole trip as uninsured, including the first days. If you notice while away that it is overrunning, report it to us or to the insurer straight away. An extension recorded in advance is generally possible; putting it right afterwards is not.
From what moment am I insured while travelling?
Usually from leaving your home or business address until your return there. The journey to the airport or the border is therefore included. Check this on the policy schedule, because the occasional policy only starts the cover when the Dutch border is crossed, and that makes a difference in an accident on the way.
Can I cancel during the term?
After the first contract period a continuous policy can generally be cancelled at any time with one month's notice. Within the first period that is usually only possible on a premium increase or a change in the conditions. Let the new cover follow on from the end date, so that no uninsured days arise.
Does a continuous policy also cover a six-month secondment?
No. As soon as the stay exceeds the maximum consecutive trip duration on the policy schedule, this is no longer the right form and the insurer can treat the whole period as uninsured. With long-term work abroad your social security position also changes, and sometimes your health insurance obligation in the Netherlands. In that case look at secondment and long-term stays.
Read more
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- Continuous travel insurance for students through Nationale-Nederlanden — compare & calculate your premium
- Continuous travel insurance through Turien & Co
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.