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 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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Personal accident insurance is a fixed-sum insurance. On death or permanent disability caused by an accident, the insurer pays an amount agreed in advance. The actual loss plays no part and the payment stands apart from whatever your health insurer or a liable third party pays. If you want the actual loss in traffic to be paid, the insurance for road users is the form to take.
The key lies in the word accident: a sudden, unintended, external effect on the body that directly causes injury a doctor can identify. That description excludes more than people expect. Back trouble after years of lifting is not an accident, nor is a slipped disc with no identifiable event, and a heart attack at the wheel is an illness, although the collision that follows it may well be an accident.
What you do in your free time determines acceptance. For activities such as cliff jumping, paragliding and downhill mountain biking there are separate provisions, an additional premium or an exclusion. Declare those hobbies on the application; Article 7:928 DCC requires you to answer the questions put to you in full.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Ansvar Idea and other insurers offer within it.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
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 the extended versions from Ansvar Idea with the market.
Repatriation in the event of death
Defence & legal costs
Dental costs
Cosmetic surgery
What is covered
Situation
Basic
With extension
Permanent disability after an accident
Yes
Yes
Death caused by an accident
Yes
Yes
Incapacity for work due to illness
No
Provided that
Continued payment of wages during sickness absence
No
Provided that
Reintegration and guidance
Provided that
Yes
Complaints that already existed when the policy was taken out
No
No
With accident and income cover, the definition of «accident» or «incapacity for work» determines what is paid out, together with the waiting period, the end age and the occupational profile. A condition that already existed or was known when the policy was taken out is usually excluded; non-disclosure can affect the payout (Articles 7:928 and 7:930 of the Dutch Civil Code).
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Illness is not an accident
Conditions that come from within fall outside the cover: heart and vascular complaints, a stroke, cancer, back trouble from overloading, and occupational diseases and burnout as well. There is then no external effect. If you faint, fall and break a bone, it is assessed whether the injury results from the fall or from the underlying illness; that line is the point of argument.
The injury must be medically identifiable
What is paid for is permanent loss of function that can be shown objectively by a doctor. Complaints with no identifiable basis, such as whiplash with no abnormality on imaging, psychological effects of a shocking event or chronic pain without a diagnosis, usually do not lead to a payment. Some policies set an express maximum for these or exclude them altogether; check this before you sign.
Existing impairments do not count
If there was already a loss of function in the same part of the body before the accident, or an existing condition makes the consequences worse, only the part attributable to the accident is paid. If you conceal an earlier injury or condition on the application, the insurer can also rely on Article 7:930 DCC and reduce or refuse the payout.
Taking risks, deliberate acts and intoxication
Excluded are accidents while deliberately seeking out danger, taking part in speed competitions, a fight you started yourself, and driving a vehicle under the influence of alcohol or drugs. Deliberately inflicted injury falls under the exclusion in Article 7:952 DCC. An accident while committing a criminal offence also stays outside the cover, however serious the injury.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Age of the insured persons. The capacity to recover and the chance of permanent loss of function vary with age.
Profession and risk class. Office work, skilled trades and work at height are placed in different classes.
Sports and hobbies. Diving, climbing, motorsport and air sports lead to an additional premium or a separate provision.
Type of cover chosen. During work only, or full 24-hour cover, seven days a week.
Sums insured per section. The amounts for death and permanent disability together form the basis of calculation.
Number of people insured. Family cover including a partner and children is calculated differently from a policy in one name.
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.
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.
A sudden, unintended event from outside that directly causes physical injury: a fall, a collision, a cut, a burn or drowning. Frostbite, sunstroke, suffocation and infection from an insect bite are usually included as well. Illness, wear and complaints that arise gradually fall outside it, even where they were incurred at work.
Do I still get a payment if someone else is liable?
Yes. Because this is fixed-sum insurance, the principle of indemnity in Article 7:960 DCC does not apply here and the payment comes on top of damages from the liable party. The position is different where your employer paid the premium. The payment can then play a part in assessing the claim against the employer.
Are my children covered as well?
Only if the policy is set up as family cover and they are included as insured persons. Lower sums insured often apply to children, particularly for the death section. If a child moves out or goes to study, tell us. It is a change that affects the cover and the premium.
Is an accident during winter sports covered?
Ordinary piste skiing and snowboarding generally fall under the standard cover. Separate provisions apply to off-piste freeriding, speed events, ski jumping and similar disciplines. Declare what you actually do. If it only becomes clear after an accident that you were taking part in an excluded discipline, the payment is open to question.
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.
