Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Personal accident insurance through ASR
With personal accident insurance the complicated part is not the event but establishing the permanent disability afterwards.
- 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
We usually apply for this personal accident cover with ASR as an individual or family policy with fixed sums insured for death and for permanent disability. What the policy is really worth only emerges in the process after the accident: the degree of permanent loss of function determines what part of the sum insured is paid, and that assessment process deserves more attention when comparing than the list of events covered.
Insurers work with a gliedertaxe (the disability scale): a fixed list linking the loss of a hand, an eye, a finger or hearing to a set share of the payment. If the injury is not on that list, a medical adviser assesses the loss of function according to a fixed guideline. That happens only once the final position has been reached, that is, when no further recovery is expected medically.
Because a personal accident policy is fixed-sum insurance, the principle of indemnity in Article 7:960 DCC does not apply here: in principle the payment comes on top of compensation from a liable party. If you bring a claim against an employer under Article 7:658 DCC, a personal accident payment funded by that employer can play a part in assessing your loss. Who paid the premium is therefore a relevant question.
Independent, personal, sorted quickly
We compare your personal accident insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with a.s.r.?
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 (up to € 10.000)
- Adaptations to the workplace, car & home
- Interns & visitors covered as well
Complete package
The most complete cover. We compare ASR's extended versions 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 a.s.r. |
|---|---|---|
| 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 a.s.r. 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?
- Sum insured per section. The amounts for death and permanent disability are the direct basis of calculation.
- Age at inception. Age affects both the chance of permanent loss of function and the size of the payment.
- Profession and risk class. Work with machinery, at height or in traffic falls into a heavier class than office work.
- Type of cover. Only during work and commuting, or full cover around the clock.
- Sports and secondary activities. Hazardous sports lead to an additional premium, a restriction or an exclusion on the policy.
- Number of insured persons. A family version 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.
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.
The final position determines the timing
As long as recovery is still possible, the permanent loss of function is not assessed. With a complex fracture or nerve injury that can take a long time, and policies name a final date after the accident by which settlement takes place in any event. Some conditions provide interest or an advance payment in the meantime. That differs by insurer and is a concrete point to test when comparing.
Existing complaints are deducted
If you already had limitations in the same part of the body, or an existing condition slows recovery, only the part attributable to this accident is paid. If you do not cooperate with reasonable treatment or with the medical examination, the payment can be set at the position that would have applied on normal recovery. That is stated in virtually every policy.
Reporting within the time limit
For the death section it generally applies that the death must occur within a period named in the policy after the accident and must be connected with that accident. For disability there are reporting periods that can be short. Article 7:941 DCC requires you to report the event as soon as possible; anyone reporting years later runs into problems of proof and into limitation.
What a fixed-sum policy does not pay for
This policy pays no treatment costs, no health insurance excess, no loss of income, no general damages and no adaptations to the home, unless a separate section has been included for them. An amount tied to the loss of function established is paid, and nothing more. For continuing income during absence there is disability insurance the appropriate cover.
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.
How is permanent disability determined?
First the final position is awaited. A medical adviser then assesses the permanent loss of function. If the injury appears on the gliedertaxe (the disability scale), the share of the payment follows directly from that list. If not, the loss of function is assessed according to a fixed medical guideline, with existing limitations in the same part of the body deducted.
Do I receive a payment alongside damages from the other party?
In principle yes. Personal accident insurance is fixed-sum insurance, so Article 7:960 DCC does not stand in the way of a payment alongside the damages. The position is different where your employer paid the premium and you bring a claim against that same employer. The payment can then be taken into account in calculating your loss.
How long does settling a claim take?
That depends on the recovery. The insurer settles only when no further improvement is expected medically, and with nerve or joint injury that can take a long time. The policy names a final date by which the assessment is made in any event. Ask in advance whether an advance payment or interest applies during that period.
Are my medical costs paid?
No, unless a separate section has been included for them. The main cover pays a fixed amount tied to the loss of function established. Treatment costs, rehabilitation, the health insurance excess and dental repair costs run through your health insurance or through the liable party, not through this policy.
Every situation is different. For these situations we have a separate page.
Read more
Within Gezinsongevallenverzekering
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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.