Medical
- 24/7 emergency assistance centre
- Repatriation
- Above the Dutch rate
Business travel insurance
Business travel insurance is not a single cover but a set of sections. You choose which of them appear on your policy schedule.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
- 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
The policy is built up from sections, each with its own sum insured, excess and exclusions. The core is always assistance and medical expenses outside the Netherlands, including the biggest item: medically supervised transport back to the Netherlands. Your basic health insurance pays no more than the Dutch tariff abroad and repatriation falls outside it.
Around that are optional sections: luggage with sub-limits for equipment, personal accident with a payment for permanent disability, cancellation, legal expenses while travelling and a replacement vehicle. What you do not tick is not included. The most common misunderstanding is that cancellation is included as standard. It almost never is.
If a private travel insurance or home contents cover that includes luggage away from home runs alongside this policy, bear in mind Article 7:960 of the Dutch Civil Code: you never receive more than the actual loss, however many policies there are.
Independent, personal, sorted quickly
We compare your business 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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What does business travel insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Luggage
Business equipment is subject to sub-limits.
- Laptop and phone
- Samples and materials
- Often declared separately
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.
What does your premium depend on?
- Which sections you tick. Assistance and medical only, or luggage, personal accident, cancellation and legal expenses as well.
- Sums insured per section. A higher sub-limit for equipment or a higher accident payment increases the premium.
- Excess per event. An excess on the luggage section brings the premium down noticeably.
- Area of cover on the policy schedule. Europe, worldwide, or worldwide including the United States and Canada.
- Number of travel days per year. The total number of days outside the Netherlands determines the exposure of all sections.
- Overlap with existing policies. If luggage is already covered elsewhere, that section can sometimes be arranged more lightly.
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.
Assistance and repatriation are the core
The section that justifies the policy is not the luggage cover but the assistance. An emergency assistance centre that can be reached twenty-four hours a day, gives a payment guarantee to a foreign hospital and arranges medically supervised transport is what you are buying. That transport can be a scheduled flight with a doctor next to the patient or an air ambulance. No health insurance pays for that.
Every section has its own limit
Sums insured apply per section and sometimes per item. The luggage section almost always has a sub-limit for equipment well below the replacement value as new of a business laptop with peripherals. Each section also has its own excess. Do not read the total amount on the policy schedule but the table of sub-limits. That is where the difference between insurers lies.
What you have to tick yourself
Cancellation, personal accident, legal expenses, winter sports and the operation of machinery are in general not standard elements. They are only covered once they are stated on the policy schedule. So when applying, go through not only the destinations but also the activities. A traveller who goes karting during a client event falls outside the cover without that section ticked.
Three exclusions that run across all sections
Whichever sections you choose, the following remain excluded: loss caused by intent or serious fault on the part of the insured under Article 7:952 of the Dutch Civil Code, travel to destinations subject to a negative travel advisory, and costs already covered by another insurance, because Article 7:960 of the Dutch Civil Code does not permit payment above the actual loss. Acts of war and nuclear reactions are also excluded as standard.
Frequently asked questions
This is what people ask us most.
Why is repatriation the most important element?
Because no other insurance pays for it. Your basic health insurance pays for treatment abroad up to the Dutch tariff at most and stops there. Medically supervised transport back to the Netherlands, with a doctor or nurse on board or by air ambulance, falls entirely outside it. That is the item you take out this policy for.
Is cancellation included as standard?
Almost never. Cancellation is a separate section that you tick separately and for which a separate sum insured applies, linked to the cost of the trip. If you book non-refundable tickets far in advance, that section is worth having. Without ticking it, a cancelled trip is entirely at your own expense, including where illness is the reason.
How does this policy relate to my health insurance?
They complement each other. The basic health insurance remains the first payer for medical expenses, up to the Dutch tariff at most. Business travel insurance makes up the difference where foreign tariffs are higher and also covers what health insurance does not do at all: assistance, a payment guarantee on the spot and medical transport to the Netherlands.
What does overlap with another travel insurance mean?
That two policies cover the same loss. Article 7:960 of the Dutch Civil Code provides that you receive no more than the actual loss, so a double premium does not produce a double payment. The insurers settle between themselves who pays. If a private continuous travel insurance is already in place, have it assessed which of the two you keep.
Every situation is different. For these situations we have a separate page.
- Cancellation on business tripsWhen it pays, when it does not, costs
- Business trip to a trade fair or conferenceStand material, cancellation, groups
- Continuous business travel insuranceAll year, unlimited trips, maximum trip duration
- Business travel insurance for staff: who is covered?All employees, no enrolment, overview
- Secondment and long staysMaximum trip duration, local healthcare ·. A separate policy
- Individual business travel insuranceTravelling for work, equipment, medical assistance
- Business travel insurance for EuropeArea of cover, EHIC, costs
- Business travel insurance for AsiaQuality of care, distance, vaccinations
- Worldwide business travel insuranceAll destinations, healthcare costs, emergency assistance centre
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
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. Last updated on .
The information on this page is general in nature and is not personal advice.