Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Bewust road users' insurance through Ansvar Idea
This policy pays for your household's losses in traffic even when no one else is liable, and that is different from a personal accident payout.
- 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
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The Bewust road users' insurance is a loss-based insurance for road users. The members of your household are insured while taking part in traffic: as a driver, as a passenger, on a bicycle, on a scooter and as a pedestrian. It pays the loss actually suffered, so personal injury, loss of income, domestic help and adaptations, and under most variants also property damage such as clothing, a bicycle or a laptop.
That makes this cover fundamentally different from personal accident insurance, which pays an amount agreed in advance regardless of the actual loss. Here it is about compensating what you can demonstrate you have lost. That is precisely why this policy fills the gap that remains when the other party is unknown, uninsured, or when you caused the collision yourself.
The compulsory liability insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays only for damage caused to others by the motor vehicle. Your own injury as the driver at fault falls outside it. For damage to the car itself you still need a car insurance with own-damage cover. This policy is about people, not about the vehicle.
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.
InsurersPhoto coming soon
IndependentPhoto coming soon
AdvicePhoto coming soon
Through Finass or direct with Ansvar Idea?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as cover during work, also 24-hour cover (7 days) (available as an extension) and higher benefits.
- 24-hour cover (7 days) (available as an extension)
- Retraining
- Adaptations to the workplace, car & home
- Interns & visitors covered as well
Complete package
The most complete cover. We compare Ansvar Idea's extended version with the market.
- Repatriation in the event of death
- Defence & legal costs
- Dental costs
- Cosmetic surgery
What we do
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Composition of the household. The number of people co-insured determines how many road users fall under the policy.
- Age of the drivers. Young and very experienced drivers carry a different accident risk.
- How you take part in traffic. Daily scooter use or mainly travelling as a passenger gives a different picture from occasional car use.
- Area of cover. The Netherlands only, Europe or wider; journeys abroad count towards the rate.
- Cover chosen. Personal injury only, or injury plus the property damage of the occupants and their luggage.
- Excess and claims history. Earlier traffic claims and the excess you choose feed through into the premium.
Insurers weigh these details differently. That is where your saving is.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Also where no liable other party exists
If a hit-and-run driver collides with you, or you drive into a lamp post yourself, there is no one to hold liable under Article 6:162 DCC. This policy still pays out, because cover is not tied to fault but to taking part in traffic. The same applies to a single-vehicle cycling accident or where the liable party cannot pay enough.
The car itself is not insured
Damage to the motor vehicle you were driving falls outside this cover. A dented door, a burnt-out engine or a stolen car remains a matter for the own-damage cover on the motor policy. Cargo, a trailer and accessories fitted to the vehicle are usually excluded as well. The policy pays for the losses of people, plus the items they had with them.
Driving licence, intoxication and speed events
Excluded as standard are accidents in which the driver had no valid driving licence, was under the influence of alcohol or drugs, or was taking part in a speed or skill competition. The same applies to use of the vehicle for paid passenger transport or hire without disclosure. Damage caused intentionally also runs up against the exclusion in Article 7:952 DCC.
Who is insured, and where the employer comes in
The household as stated on the policy is insured. If a child moves out or a partner joins, that should be notified. If you drive for work or commute, Article 7:611 DCCalso comes into play: an employer may be required to arrange proper insurance for employees who take part in traffic. Both covers can exist alongside each other.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Is this the same as passenger accident insurance?
No. Passenger accident cover is a fixed-sum insurance: it pays a set amount on death or permanent disability. This policy pays for the loss actually suffered, including loss of income, domestic help and adaptations, and it is not limited to the occupants of a particular car but applies to every form of taking part in traffic.
Am I also covered on a bicycle or on foot?
Yes, that is what characterises this cover. What is insured is the co-insured persons' participation in traffic, whatever the means of transport. A fall from a bicycle on a slippery road, a collision as a pedestrian on a crossing, or injury as a passenger in someone else's van all fall within the same cover.
What if the other party drives off or is uninsured?
You can then turn directly to your own insurer. This policy is intended precisely for such cases: no liable party has to be identified. Do report the matter to the police and notify the incident as soon as possible, because Article 7:941 DCC requires you to report the loss in good time and to cooperate in establishing it.
Does the cover also apply abroad?
That depends on the agreed geographical scope. Most variants apply within Europe, some worldwide for temporary stays. If you regularly drive outside Europe or live elsewhere temporarily, have the area recorded expressly. When comparing policies we look at this point specifically, because insurers define it differently.
Every situation is different. For these situations we have a separate page.
Read more
Within Why we work with different insurers
Similar pages
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.