Nobody liable · family cover · fixed amounts
Personal accident insurance through Avéro Achmea
Personal accident insurance comes into play at the moment when nobody is liable. That is precisely when it becomes clear what health insurance and liability insurance do not do.
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Deze pagina in het Nederlands: Ongevallenverzekering via Avéro Achmea.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
We act as an independent intermediary and compare the offerings of more than thirty companies. Avéro Achmea we apply for regularly for private clients, usually where the personal accident cover runs alongside the home contents and the buildings insurance in one package. Which it becomes in the end depends on the amounts you want and on the description of the circle of insured persons.
The reason to consider this insurance is narrow but real. If you fall down the stairs, come off your bicycle with no other party involved, or something happens on holiday, there is nobody liable under Article 6:162 of the Dutch Civil Code. Your liability insurance does nothing then, because it covers damage you cause to someone else. Health insurance pays for the treatment, but not for what comes afterwards: an adaptation to the home, help in the household or the loss of a partner's income. Personal accident insurance pays a an amount agreed in advance out.
When you take out the policy, watch the description of the circle of insured persons. As standard the policyholder, the partner and children living at home are included, but the treatment of children studying away from home, children in a blended family and parents living with you differs from policy to policy. In principle the cover applies all day and worldwide, and therefore during work, sport and holidays as well, apart from the categories expressly excluded. How the product is set up is explained on the hub page about family personal accident insurance.
This page deals with one situation. The full overview is on Compare family personal accident insurance.
What to look out for
Four subjects that decide whether this policy adds anything in your situation.
What health insurance does not do
The basic health insurance pays for treatment and rehabilitation within the insured package. What falls outside it is everything that comes afterwards: rebuilding a bathroom, an adapted car, loss of earning capacity or help at home. A personal accident payment can be spent freely and is not set off against health insurance. That is where the added value lies, and not in the treatment itself.
Read the circle of insured persons word for word
Check whether children studying away from home are still included and up to what age, and how a blended family is treated. On divorce or the arrival of a child the circle changes without the policy knowing. Report changes: the duty of disclosure in Article 7:928 of the Dutch Civil Code applies at the outset, and virtually every policy adds a duty to report relevant changes.
Sport, traffic and the standard exclusions
Generally excluded are playing sport for payment, combat and martial arts, climbing and mountaineering and air sports such as parachuting and hang-gliding, and taking part in speed competitions. An accident also falls outside if the driver held no valid licence or was under the influence, and if it happened while a criminal offence was being committed. If you take part in one of these sports, ask for a clause in advance.
Existing complaints count in the assessment
If a pre-existing condition contributes to the severity of the injury, the insurer can reduce the percentage paid proportionately. A knee that was already damaged, an earlier back operation or a congenital condition all come up here. Give the health information the application asks for in full. An incorrect declaration can be used by the insurer under Article 7:930 of the Dutch Civil Code to adjust the payment.
What does your premium depend on?
- Sums insured: for death and for permanent disability
- Household composition: number and age of those included
- Sport and hobbies: higher-risk activities lead to a clause
- Occupation of the insured: classification in a risk class
- Age: the rate and final age depend on it
- Extensions chosen: for example named special cases
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Permanent disability in your shoulder after a fall down the stairs in your own home | Yes | Yes |
| The death of your partner in a single-vehicle accident while on holiday | Yes | Yes |
| Injury to your twenty-year-old son, a student living away, during a weekend at home | No | Provided that |
| Whiplash symptoms after a rear-end collision with no abnormality on the scan | Provided that | Provided that |
| Permanent incapacity from a heart attack you suffer at the wheel | No | No |
| A separate bill for an adapted bathroom that you submit alongside the payment | No | No |
This policy pays an amount agreed in advance; actual costs cannot be claimed.
Frequently asked questions
This is what people ask us most.
What is the difference from liability insurance?
Liability insurance pays for the damage you cause to someone else and for which you are liable under Article 6:162 of the Dutch Civil Code. Personal accident insurance pays out to you or to your surviving dependants, regardless of who is at fault. The two do not exclude each other and do not overlap; they cover two different situations.
Are children insured on a school trip or on holiday?
Yes, provided they fall within the circle of insured persons described. In principle the cover applies worldwide and all day, and therefore at school, during sport and while travelling. Do watch the sports exclusions: a skiing trip is generally no problem, but organised climbing or diving can fall under an exclusion.
I already have personal accident cover on my motor policy. Is this doubling up?
Not entirely. Passenger personal accident cover applies only in or around that vehicle. This policy applies all day. Fixed-sum policies stack: both pay if both apply. You are then paying premium twice for partly the same risk. Take stock of what you already have, therefore, before you choose amounts.
What if the injury only proves permanent after years?
The assessment is made once the medical position is stable, and the conditions name a final date for it. If that date is reached while recovery is still going on, a prognosis is made and payment follows on that basis. Report the accident straight away, therefore, even if the consequences seem limited at that moment; that follows from Article 7:941 of the Dutch Civil Code.
Read more
Within Gezinsongevallenverzekering
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