Named grounds
- Illness or death
- Involuntary unemployment
- Damage to your home
- Pregnancy complications
Compare cancellation insurance
Cancellation insurance does not cover you simply going off the idea. It covers a closed list of reasons, and that list is exactly where policies differ from one another.
- several insurers compared objectively
- 9.5 customer rating for a new policy
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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.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- 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 insurance reimburses the trip cost you lose when a covered reason prevents you from leaving, forces you home early or makes you miss part of the trip. These are named grounds: serious illness or the death of you or someone close to you, involuntary unemployment, medically necessary treatment, serious damage to your home.
What it does not cover is regret, a full diary, an expired passport or travel advice you do not like. If you want more scope, there are all-risks variants that reimburse part of the trip cost for a higher premium without your having to give a reason.
The deadline for taking out cover is the mistake most often made: you usually have to take out the insurance within seven days of booking, sometimes within fourteen. If you take it out later, a waiting period or an exclusion for existing circumstances often applies.
Independent, personal, sorted quickly
We compare your cancellation 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 cancellation insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Comprehensive
Part of the trip cost back without giving a reason.
- Often 75 per cent
- Higher premium
- A limited number of times
Combined travel party
What happens if one of your travelling companions drops out.
- Fellow travellers covered too
- Only on the same policy
- Or named separately
What is covered
| Situation | Named grounds | Comprehensive |
|---|---|---|
| Serious illness or death of someone close to you | Yes | Yes |
| Involuntary redundancy | Yes | Yes |
| Serious water damage to your home | Yes | Yes |
| You have gone off the idea, or your diary is filling up | No | Sometimes |
| An existing condition that gets worse | No | No |
| Negative travel advice without a ban | 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?
- Insured trip cost: the main basis for calculation
- Continuous or per trip
- Version chosen: named grounds or all risks
- Number of insured persons
- Area of cover
- Excess
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.
Take out cover on the day you book
Virtually every cancellation policy has a period within which you must take it out, usually seven days after booking. If you do it later, a waiting period applies, or cover lapses for circumstances that were already foreseeable at that point. So book and insure in one and the same action.
Existing conditions are the biggest exclusion
Worsening of a condition that already existed when you took out the policy is excluded as standard. The same applies to treatment that was already planned. If you are travelling with someone with a chronic condition, ask explicitly how the policy deals with that. Some insurers work with medical acceptance or a clause.
Watch the travelling companion clause
If you travel with several people and one of them drops out, the question is whether the others may cancel as well or are only entitled to the additional costs. That differs from policy to policy, and with a jointly rented holiday home it is the amount that matters.
Cancelling or cutting short
The cover does not only apply before departure. If you have to cut the trip short, the insurance reimburses the unused part of the trip cost pro rata, and sometimes the extra cost of returning home. Check whether that last item is included or falls under your travel insurance.
Frequently asked questions
This is what people ask us most.
When do I have to take out the insurance?
Usually within seven days of booking, sometimes within fourteen. If you take out cover later, a waiting period applies, or an exclusion for circumstances that were already foreseeable at the time.
Can I cancel because I have gone off the idea?
Not on a policy with named grounds. An all-risks variant often reimburses part of the trip cost, usually around 75 per cent, without your giving a reason and limited to a number of times.
Is an existing condition covered?
Worsening of a condition that already existed when you took out the policy is excluded as standard, as is treatment that was already planned. Ask about medical acceptance if that applies to you.
What if one of my travelling companions drops out?
That depends on the travelling companion clause: sometimes the others may cancel as well, sometimes they are only reimbursed the additional costs. With a jointly rented house that makes a great deal of difference.
Do I get money back if I have to cut the trip short?
Yes, pro rata over the unused part of the trip cost. Whether the extra cost of returning home is included varies. That sometimes falls under travel insurance.
Is negative travel advice a valid reason?
Usually not. A colour code or advisory is not a ban. Only if you are actually prevented from travelling is there sometimes cover. Read that provision before you book.
Read more
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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.
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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.