Medical
- 24/7 emergency assistance centre
- Repatriation
- Above the Dutch rate
Cancellation on business trips
The cancellation section does not look at the costs you are left with, but at the reason why the trip did not go ahead.
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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
Cancellation cover works with an exhaustive list of covered causes. Those causes are almost always personal to the driver: serious illness, an accident or the death of the traveller or of someone in the defined immediate circle, a medically necessary procedure, or involuntary unemployment. If the reason is not in that list, there is no payment, however large the loss.
For business travel that means an uncomfortable outcome: a trade fair that is called off, a client who withdraws the appointment or an order that is postponed are not insured events but entrepreneurial risk. Some insurers offer an extension for business cancellation. If you often book non-refundable tickets far in advance, ask about it explicitly.
The section also covers curtailment of a trip: if the traveller goes home halfway through for a covered reason, the unused travel days qualify. For the material side of a cancelled event, see trade fairs and conferences.
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What does cancellation cover on business trips?
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?
- Level of the insured travel sum. The premium depends on the amount you want to be able to reclaim per trip or per year.
- Individual or continuous cancellation cover. Taking out cover per trip is rated differently from an annual section for all bookings.
- Extension for business cancellation. Cover for a cancelled event or a withdrawn assignment is an expensive addition, where the insurer offers it at all.
- Type of bookings. Non-refundable tickets and prepaid stand rental increase the interest to be insured.
- Booking horizon. Booking far in advance lengthens the period in which something can get in the way.
- Size of the immediate circle. The more widely the family circle is defined in the conditions, the more covered causes there are.
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.
The moment of booking determines the cover
Cancellation cover has to start before or at the latest on the day of booking. If you only take out the section after buying the tickets, the trip already booked falls outside it in general. On a continuous policy with a cancellation section the cover applies to trips you book during the contract period. With every new booking, check whether the section was already running at that moment.
Business reasons are not an insured event
A cancelled trade fair, a client who calls off, a project that is postponed or a colleague who turns out to be indispensable at the office: none of these appears in the standard list of covered causes. This is business risk. If you do want to cover it, an extension for business cancellation is needed, and not every insurer offers one. Have it recorded exactly what wording that extension uses.
Ask for a refund first, then claim
The insurer only pays what you are actually out of pocket. So first ask the airline, the hotel and the organiser for a refund, and keep their written refusal. If you get part back or a voucher, that is deducted. This follows from the principle of Article 7:960 of the Dutch Civil Code: insurance puts you back in the same position, not a better one.
What the cancellation section never covers
Outside the cover are: cancellation because of a condition that was already known at the time of booking and was not disclosed, as referred to in Article 7:928 of the Dutch Civil Code; fear or unwillingness to travel, including where there is unrest at the destination; and a cancelled event or a withdrawn assignment. Penalties and rebooking costs you incur voluntarily without a covered cause also remain at your own expense.
Frequently asked questions
This is what people ask us most.
My client cancelled; will I be paid for the tickets?
Not under the standard cover. A cancellation by a business contact or the postponement of an assignment is entrepreneurial risk and is not in the list of covered reasons for cancellation. Only with a specific extension for business cancellation does this qualify. Ask about it when you apply and have its wording confirmed in writing.
Up to when can I take out cancellation cover?
At the latest on the day you book, and with many insurers within a short period after that. If you take it out later, the trip already booked falls outside the cover. With a continuous cancellation section that problem does not arise, as long as the section was running at the time of booking.
I fell ill but have a known condition; will that be paid for?
Only if you disclosed that condition when applying and the insurer accepted it. Concealing it falls under Article 7:928 of the Dutch Civil Code and gives the insurer scope under Article 7:930 DCC to reduce or refuse payment. So always disclose an existing condition, even where you expect it to play no part.
What if I have to cut the trip short?
Curtailment cover then comes into play, which is in the same section. If you go home early for a covered reason, for example serious illness in the immediate circle, the unused travel days are paid for pro rata. Report this through the emergency assistance centre before you buy a new ticket.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- Insuring business travelWhat you arrange, before departure ·. When incidents happen
- Business trip to a trade fair or conferenceStand material, cancellation, groups
- Luggage on a business tripSub-limits, equipment, samples
- Business travel insurance for staff: who is covered?All employees, no enrolment, overview
- Business travel insurance for the United StatesHigh healthcare costs, separate cover, liability
- Business travel insurance for AsiaQuality of care, distance, vaccinations
- Continuous business travel insuranceAll year, unlimited trips, maximum trip duration
Read more
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.