Basic cover
- Baggage & business equipment abroad
- SOS emergency assistance centre
- Accidents during the trip
- For your employees
Business travel insurance through Avéro Achmea
Business travel insurance deals with what goes wrong during your employees' short business trips, from stolen luggage to repatriation.
- 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 activities
- 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
This cover is set up as continuous insurance for employees who are regularly on the road for work: a client visit across the border, a trade fair, a conference, a project day abroad. The parts are medical expenses abroad as a supplement to health insurance, luggage and business equipment, accidents, repatriation and sometimes legal expenses or a replacement vehicle.
The reason for taking out such a policy is not only practical. Your duty of care as an employer (Article 7:658 of the Dutch Civil Code) continues as soon as someone is on the road for work. Where that duty of care does not reach, for example in a road accident during a business trip, good employment practice (Article 7:611 DCC) fills the gap; from that the duty has been derived to make proper provision.
Avéro Achmea underwrites this product. For longer postings far outside Europe, a different set-up is more appropriate; see business travel insurance through Hienfeld.
Independent, personal, sorted quickly
We compare your travel 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 Avéro Achmea?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as medical assistance, also baggage, repatriation, legal expenses and cancellation.
- Baggage & business equipment
- SOS assistance & repatriation
- Travel legal expenses cover
Complete package
The most complete cover. We compare Avéro Achmea's extended versions with the market.
- Liability while travelling
- Cancellation & interruption
- Money & documents
- Higher benefit limits
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 Avéro Achmea |
|---|---|---|
| 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 Avéro Achmea 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?
- Number of travel days per year. The expected travel days of the entire workforce form the basis of the calculation.
- Area of travel. Europe, worldwide, or worldwide including high-risk areas is the biggest distinction in premium.
- Sections included. Luggage, accidents, legal expenses and a replacement vehicle are added per module.
- Nature of the work carried out on the road. Meetings and client visits weigh less than assembling, installing or working at height.
- Maximum length of each trip. A policy that allows longer unbroken trips is more expensive than cover for short trips.
- Number and role of the travellers. A small team of account managers is assessed differently from a large technical field service.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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 policy is a provision, not liability cover
This insurance pays out to or for the benefit of the travelling employee, regardless of who is at fault. That is something other than liability cover: if you as employer are held liable for an employee's injury, that runs through public and employers' liability insurance (AVB) or a separate employers' liability cover for road use. Both are needed. A travel policy alone does not protect your balance sheet against a claim under Article 7:658 or Article 7:611 DCC.
Luggage and business equipment
Laptops, telephones, samples and demonstration material are the items that most often disappear on a business trip. Virtually every policy has a maximum per item here and separate conditions. Items left unattended in a car are excluded as standard, or covered only from a locked boot out of sight. Delayed or lost checked baggage has its own arrangement, and without a police report or a statement from the carrier no payment follows.
Medical expenses fit on to the health insurance
On a short trip the travel cover pays what the basic health insurance does not cover abroad, such as the difference between the Dutch rate and the local bill, plus repatriation. An employee without Dutch health insurance therefore falls between two stools. Treatment already planned before departure or the continuation of treatment in the Netherlands is not paid for, and pre-existing conditions are often covered only to a limited extent.
Where the cover ends
Trips to an area for which a negative travel advisory applies are usually excluded, as is damage caused by acts of war. Risky activities in the programme, from skiing to diving, also fall outside the cover unless they are separately insured. Damage arising under the influence of alcohol or drugs is not paid for. Also watch the maximum unbroken trip length stated on the policy: beyond that the cover falls away.
Theft of the load
Loading & unloading
Frequently asked questions
This is what people ask us most.
Is my health insurance not enough on a business trip?
Abroad, the basic health insurance usually pays up to the Dutch rate at most. In countries with high healthcare costs a considerable part therefore goes unpaid, and repatriation by air ambulance is usually not included. Business travel insurance supplements precisely that difference and arranges the transport home. For an employee without Dutch health insurance you have to make separate arrangements.
Are the company laptop and telephone included?
Under the luggage section usually yes, but with a maximum per item and subject to strict conditions. Do not leave equipment unattended in a car: that situation is almost always excluded. In the event of theft, report it to the police locally and keep the statement, because without evidence the claim will be refused. For valuable equipment, separate electronics cover is sometimes more appropriate.
Am I liable as an employer if something happens to someone on a trip?
You may be. Your duty of care under Article 7:658 of the Dutch Civil Code also applies outside the business premises. For situations where that duty of care does not reach, such as a road accident during a business trip, Article 7:611 DCC has been held to impose a duty to arrange proper insurance. A travel policy helps with that, but does not replace employers' liability cover.
Does the cover also apply if someone adds a private weekend?
Often yes, provided it stays within the maximum trip length stated on the policy and it has been agreed in advance. Check this per policy, because some insurers cover only the business part of the trip. If a partner travels along, that person is only insured where cover for family members has been arranged on the policy.
Every situation is different. For these situations we have a separate page.
Read more
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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.