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
Cancellation insurance reimburses the costs the tour operator or provider charges you when you call off or cut short a trip for a covered reason. It does not pay for the trip itself, but for the cancellation charges under the scale in the booking conditions: the closer to the departure date, the larger the share you lose.
With this product the moment you take out cover is decisive. The policy belongs to the booking and has to follow closely on it. If you only take it out weeks later, the reason you cancel may already have been known at that point. Article 7:928 of the Dutch Civil Code requires you to declare at the outset what you know and what matters to the insurer. If you do not, the insurer may, under Article 7:930 of the Dutch Civil Code pay out less or nothing at all.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your single-trip cancellation insurance. We show what ASR and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
Luggage & travel documents
Money & payment cards while travelling
Travel legal expenses cover
Money & payment card insurance
Complete package
The most complete cover. We compare ASR's extended version with the market.
Replacement transport
Cancellation can be included
Special sports
Higher luggage cover
What is covered
Situation
Basic
With winter sports module
Theft of luggage from a locked space
Provided that
Provided that
Repatriation after an accident
Yes
Yes
Medical expenses abroad
Provided that
Provided that
Damage to or theft of hired ski equipment
No
Yes
An accident while skiing off-piste
No
Provided that
A trip to an area with a negative travel advisory
No
No
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Existing complaints and treatment
If you were already under treatment on the day the insurance took effect, if a procedure was planned or if a close relative was seriously ill, cancelling for that reason is rarely covered. That is not small print but the heart of Article 7:928 of the Dutch Civil Code: the insurer must know what you know. If you are in doubt, declare it in writing when you apply, so that it is on record afterwards what was disclosed.
Which reasons do count
Cover usually applies to death, serious illness or an accident involving you, your family or someone close to you, involuntary redundancy, complications in pregnancy and serious damage to your home. Not covered are changed plans, negative travel advice, fear of travelling, resigning of your own accord and a resit. If the provider itself collapses, that is a matter for the travel industry guarantee scheme.
Report first, cancel afterwards
Call off the trip with the provider as soon as the reason is known and report the cancellation to the insurer. Article 7:941 of the Dutch Civil Code requires you to do so as soon as reasonably possible. If you wait too long, the cancellation charges rise further and the insurer will pay the amount that applied at the right moment. Keep the booking confirmation, the cancellation invoice and the medical certificate.
What you do not get back
Outside the payment fall: holiday days taken, costs for which the provider makes no cancellation charge, booking and reservation fees, and expenses you incurred yourself that are not part of the booking, such as parking or a train ticket to the airport. Anything you recover through another insurance policy or through the provider is deducted; Article 7:960 of the Dutch Civil Code does not allow double payment.
Worldwide assistance
Cancellation
What does your premium depend on?
Level of the trip cost. The sum insured per booking is the main basis for calculating the premium.
Number of people on the booking. Every insured person counts. A family booking costs more than a trip for one person.
Term until the departure date. The longer the period between booking and departure, the longer the risk runs.
Version chosen. Cancellation only, or curtailment and early return with a pro rata payment as well.
Type of trip. A package holiday with a fixed scale is assessed differently from a self-assembled trip.
Age of the insured persons. With older insured persons the chance of dropping out through illness is higher, which is reflected in the rate.
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.
How soon after booking do I have to take out cover?
As soon as possible, preferably on the day you book. Many insurers accept a short period after that, but as time passes the chance grows that you know something you should have declared under Article 7:928 of the Dutch Civil Code. If you take out cover later and the reason for cancelling turns out to have been known at the time, the insurer may reduce or refuse the payment.
Do I get the whole trip cost back?
You get back the cancellation charges the provider actually makes, up to the sum insured. If you cancel well before departure that is often only part of the trip cost. If you cancel shortly before departure it rises to almost the whole amount. Booking and reservation fees and additional expenses you incurred yourself remain outside the payment.
Am I covered if I fall ill during the trip?
Only with the extended variant that covers curtailment as well. That reimburses the days you did not use pro rata, counted from the moment you return home or are admitted to hospital. The cost of the early journey home and of the treatment itself belongs to travel insurance, not to the cancellation cover. Those are two policies and therefore two notifications.
Does negative travel advice count as a ground for cancellation?
No. A colour code from Buitenlandse Zaken (the Dutch ministry of foreign affairs) is not a covered reason. The insurance looks at personal circumstances such as illness, an accident or a death. If the operator itself cancels the trip, it must refund you under the travel contract. If the trip goes ahead and you do not, the costs are for your own account.
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.
