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 situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The luggage section is where most disappointment arises, and that is down to two mechanisms. The first is depreciation: outside a short period during which replacement value as new applies, payment is made on market value, so with a deduction for age and use. A four-year-old laptop therefore produces a fraction of its purchase price. The second is the system of sub-limits per category: photographic and computer equipment, jewellery, telephones and glasses each have their own ceiling.
Also, travel insurance is essentially a supplementary insurance. Medical expenses are only assessed after the health insurer has done what it has to do. The travel insurance supplements what is left, such as repatriation and transport. With luggage, too, another policy takes precedence: if the laptop is on the home contents insurance or the telephone is separately insured, that policy is the first to respond.
With a continuous policy, the annual structure is added. Modules you have chosen once run on until you change them, even if your travel pattern changes. We go through the modules each year and compare them with a separate policy per trip if you now rarely go away.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your continuous travel insurance. We set out what De Goudse and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
Luggage & travel documents
Money & payment cards while travelling
Travel legal expenses cover
Money & payment card insurance
Complete package
The most complete cover. We compare De Goudse's extended version with the market.
Replacement transport
Cancellation can be included
Special sports
Higher luggage cover
What is covered
Situation
Basic
With winter sports module
Theft of luggage from a locked space
Provided that
Provided that
Repatriation after an accident
Yes
Yes
Medical expenses abroad
Provided that
Provided that
Damage to or theft of hired ski equipment
No
Yes
An accident while skiing off-piste
No
Provided that
A trip to an area with a negative travel advisory
No
No
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
What we do
What we do
At Finass
Direct with De Goudse
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether De Goudse is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Market value after the new-for-old period
Policy conditions have a short period after purchase during which payment is made on replacement value as new. After that, market value applies. With electronics that depreciation goes quickly. Keep purchase receipts, because without evidence of the purchase date the assessment almost always turns out to your disadvantage. Where damage can be repaired, the repair costs is paid and not the replacement value, even if you would rather replace the item.
Sub-limits per luggage category
Besides the total luggage amount, separate ceilings apply to equipment, jewellery, telephones, glasses and sometimes sports or diving gear. Those ceilings apply per category and not per item. A stolen suitcase with a camera, laptop and telephone therefore hits several limits at once. If you travel with equipment exceeding these ceilings, separate insurance for that equipment makes more sense than a higher luggage module.
Overlap with your other policies
Travel policies contain a contribution provision: if the loss is insured elsewhere, that policy takes precedence. A camera covered by valuables insurance is settled there. For medical expenses, the health insurance leads and the travel insurance supplements, for example with repatriation and bringing travelling companions home. So report a loss to both policies and let us determine the order.
What is structurally not paid for
Luggage left unattended, theft from a car without signs of forced entry and loss without an identifiable event fall outside the cover. The same applies to wear, scratches and an inherent defect in the item itself. Damage while taking part in risky sports is excluded unless those sports are expressly included. Reporting to the police locally and a written report to the carrier are conditions for luggage claims, not formalities.
Worldwide assistance
Cancellation
What does your premium depend on?
Level of the luggage module. The luggage amount chosen and any increase in sub-limits determine this section.
Number of insured persons on the policy. Family cover is priced differently from a policy for one person.
Area of cover chosen. Europe or worldwide is a choice that runs all year and is not adjusted per trip.
Medical expenses module. The supplementary medical section is optional and depends on what your health insurance already covers.
Winter sports and special sports. These activities are covered only if the relevant module has been included.
Excess per event. An excess often applies to luggage, which you bear yourself on each separate claim.
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.
Because after the new-for-old period, settlement is on market value. The payment is then the value at the time of the loss, with a deduction for age and use, and with electronics that deduction mounts up quickly. If the device can be repaired, the repair costs are paid instead of replacement. A dated purchase receipt is needed to support the assessment.
Does travel insurance replace my health insurance?
No, it supplements it. The health insurance first pays what falls under the basic cover, including abroad, although outside Europe that is often up to a Dutch rate. What remains above that, plus transport, repatriation and the help of the emergency assistance centre, comes from the travel insurance. On admission to hospital, always call the emergency assistance centre first; without that report the cover for transport can fall away.
My telephone was taken out of my bag. Is that covered?
Where the theft can be shown, yes, up to the sub-limit for telephones and on market value. If there is no trace of any event and the telephone is simply gone, that is loss and that is excluded. Always report it to the police locally and keep the report; without that document the claim gets no further than the first assessment with virtually every insurer.
Is cancellation automatically included?
No, cancellation is a separate module. Without it, the costs of a cancelled or curtailed trip are not paid. If you do take the module, note the listed reasons for cancellation; only what is on that list gives a right to payment. A pre-existing condition that worsens usually falls outside it, as does cancellation because of a change of plan.
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.
