Medical
- 24/7 emergency assistance centre
- Repatriation
- Above the Dutch rate
Business travel insurance for SMEs
With a handful of trips a year the question is not which cover you need, but in which form of contract you get it most cheaply.
- 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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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
For an SME with a few trips a year there are two routes: taking out short-term cover for each trip, or one continuous contract that is in place all year. The covers are comparable in both cases. What differs is the way the price is built up and the administration.
Short-term cover is charged per travel day and is cheap where there are few trips, but calls for an action every time. That is precisely where the risk lies: the trip that gets forgotten in the rush is statistically just as likely to be the trip on which something goes wrong. A continuous contract costs a fixed annual premium and does away with that action.
The tipping point lies in the total number of travel days for your whole company added together, not per person. If three colleagues each travel for a few days, that adds up. We work through both versions with the rates of the insurers we compare; see also the continuous form and the group form.
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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 for SMEs 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?
- Total number of travel days per year. All travel days of all employees added together, not the number of trips.
- Spread across people. One frequent traveller is rated differently from five colleagues who each go away once.
- Number of separate trips with short-term cover. With a short-term form every individual booking counts, including a one-night trip.
- Do the owner and the director-shareholder travel too. Directors without a contract of employment do not always fall within a standard definition and have to be included separately.
- Sections chosen. Medical and assistance only, or luggage and cancellation as well.
- Destinations of most trips. Neighbouring countries within Europe are rated differently from an annual trip outside Europe.
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.
Add up travel days at company level
Entrepreneurs often count per person and then arrive at a low figure. The premium of a continuous contract, however, depends on the total. Set out once how many days everyone together spent outside the Netherlands, including the directors and including short one-night trips. That figure, and not the feeling that you travel little, determines which form works out cheaper.
The forgotten enrolment is the real SME risk
With short-term cover somebody has to arrange every trip. In a small company that is often the same person who does the quotes and the planning. If a trip goes ahead at the last minute, it slips through. A continuous or group contract removes that action. Weigh that up: the premium saving from short-term cover evaporates with one uninsured trip involving a hospital admission.
Growth changes the arithmetic quickly
If you take on a second account manager or gain a foreign customer, the number of travel days doubles without your experiencing that as a change. So assess the form each year at renewal rather than only when taking out cover. A contract that was well judged three years ago may now have become the most expensive version.
What you do not get in either form
Neither form of contract covers: cancellation of the trip, unless you insure that section separately; damage to trade stock or exhibition material travelling with you; and liability for damage you cause at a client's premises. A stay exceeding the maximum uninterrupted trip duration also falls outside it, whether you have chosen short-term or continuous cover.
Frequently asked questions
This is what people ask us most.
When do I switch from short-term to continuous cover?
As soon as the combined number of travel days for your whole company becomes so high that the individual premiums together approach the annual premium. That point differs from insurer to insurer, so have it calculated rather than estimating it. If you also weigh in the chance that a trip is not reported, the tipping point moves forward.
I only travel once a year, is insurance necessary then?
The frequency says nothing about the size of the loss. One hospital admission with medically supervised transport back to the Netherlands is, for a small company, an amount that affects a whole year's result. Short-term cover for that one trip is the cheapest way to cover it.
Can I use one policy for myself and my staff?
Yes, provided the definition on the policy schedule covers both. Note that a director-shareholder or partner without a contract of employment does not fall within a definition such as employees on the payroll. Have the group worded so that directors, partners and staff are all included, otherwise a gap arises precisely where you are.
Does a day of travel within the Netherlands count?
For the premium usually not: most policies count days outside the Netherlands. For the cover sometimes yes, because it often starts as soon as you leave your business address. An accident on the way to the airport can therefore be covered without that day counting as a travel day in the premium calculation.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- Continuous business travel insuranceAll year, unlimited trips, maximum trip duration
- Business travel insurance for staff: who is covered?All employees, no enrolment, overview
- Worldwide business travel insuranceAll destinations, healthcare costs, emergency assistance centre
- Business travel insurance for EuropeArea of cover, EHIC, costs
- Business travel insurance for the United StatesHigh healthcare costs, separate cover, liability
- Business travel insurance for AsiaQuality of care, distance, vaccinations
- Insuring business travelWhat you arrange, before departure ·. When incidents happen
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.