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 activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The cover stands or falls by the order in which you act. Almost everything an insurer needs for a business travel claim has to be recorded during the trip: a police report in the country itself, a statement from the airline, an original medical report. Back in the Netherlands it can no longer be obtained.
Before departure there are four things: check whether the destination falls within the area of cover, report special activities such as climbing, diving or operating machinery, declare business equipment separately, and make sure every traveller has the number of the emergency assistance centre in their phone. Enrolling after the event is not possible.
If something goes wrong, Article 7:941 of the Dutch Civil Codeapplies: you report the event as soon as is reasonably possible and give full cooperation. If you call the emergency assistance centre before incurring costs, they arrange the payment guarantee directly with the hospital. See also the medical side and luggage on the road.
The structure of the cover in three parts, with an overview per situation below.
The essentials
Medical
Costs and repatriation outside the Netherlands.
24/7 emergency assistance centre
Repatriation
Above the Dutch rate
Limited
Luggage
Business equipment is subject to sub-limits.
Laptop and phone
Samples and materials
Often declared separately
Optional
Interruption
If the trip does not go ahead or is cut short.
Cancellation
Replacement trip
Missed connection
What is covered
Situation
Standard
With extension
Medical expenses outside the Netherlands
Yes
Yes
Repatriation in case of illness or accident
Yes
Yes
Business equipment and samples
Sometimes
Yes
Cancellation of the trip
No
Yes
Taking part in high-risk sports
No
Sometimes
Travel to an area with a negative travel advisory
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The checklist before departure
Go through four points: does the destination fall within the area of cover on your policy schedule, have special activities been reported, has the equipment being taken been declared separately, and does every traveller have the emergency number with them. Add a copy of the policy schedule, digitally and on paper. This takes ten minutes and is precisely the information you can no longer gather once someone is lying in a foreign hospital.
Call the emergency assistance centre before you pay
Foreign hospitals often ask for a payment guarantee or a credit card in advance. If the traveller calls the emergency assistance centre first, it arranges the guarantee directly and assesses whether treatment on the spot or transport home is sensible. If he pays himself and only reports it after returning home, you have to demonstrate the necessity afterwards. In that case keep all original invoices and the medical report.
Record it in the country itself
With theft there should be a report to the local police, with a copy. With missing hold luggage there should be a written notification to the carrier before you leave the airport. With illness there should be a statement from the treating doctor. These documents are the heart of the file. Without a police report an insurer refuses a theft claim in practice almost without exception.
What business travel cover does not arrange
Outside the cover are: consequential loss to your business because the assignment falls through, costs arising from intent or recklessness on the part of the traveller under Article 7:952 of the Dutch Civil Code, and damage you cause to someone else. A trip that had already begun when the policy started is not covered either: insurance can only be arranged in advance.
What does your premium depend on?
Duration of the trip. Short-term covers are charged per travel day, from departure to return.
Destination of this trip. The country determines the expected healthcare costs and the complexity of assistance.
Number of travellers going along. Every colleague travelling with you counts towards the premium for that trip.
Activities on the spot. Attending meetings, staffing a trade fair stand or carrying out installation work are assessed differently.
Own vehicle or hire car. If you drive yourself on the spot, assistance and traffic risks come into play.
Value of the equipment taken along. Laptops, measuring instruments and samples determine the sum insured on the luggage section.
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.
No. Travel insurance only covers trips that begin on or after the start date. If you take out cover while you are on the way, the current trip is not covered, not even for the remaining days. This is the most common misconception with work trips booked at the last minute. So arrange the cover when you book.
What do I do if something happens while travelling?
Call the emergency assistance centre first, outside office hours too, and only then a hospital or carrier. They arrange the payment guarantee and transport. Then record the facts on the spot: a police report for theft, a written notification to the carrier for luggage damage, a doctor's statement for illness. Report the incident to us as well.
How quickly must I report a claim?
Article 7:941 of the Dutch Civil Code requires notification as soon as is reasonably possible. In reality that means: for a medical incident, immediately through the emergency assistance centre. For luggage or cancellation, within the period stated in your conditions. If you report late and the insurer's interests are harmed as a result, it can reduce the payment.
Does every traveller have to have their own policy?
No, that depends on the form of contract. With short-term cover you insure the trip together with the travellers going on it. With a continuous policy the people or the defined group are stated on the policy schedule. With a new colleague, check whether he falls within that definition before he makes his first trip.
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.
