Business travel insurance through De Goudse
Business travel insurance is not a luxury extension of the holiday policy. Above all it arranges what has to happen if someone is taken ill far from home.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Finass acts as an independent intermediary and sets the conditions of more than thirty companies side by side. We apply for the business travel cover of De Goudse for companies where a limited group of employees regularly goes abroad: account managers, engineers on service visits, directors attending trade fairs.
The section that weighs the heaviest is assistance. Your Dutch health insurance generally pays abroad up to the tariff applicable in the Netherlands at most, and repatriation by air ambulance or supervised transport is not included. A business travel policy makes good that difference and gives access to an emergency assistance centre that arranges the hospital admission, the transfer and the transport. In a serious incident that organising matters more than the amount.
Equipment also travels along that does not belong on a private policy: laptops, measuring equipment, samples and demonstration material. Business equipment has its own section with a sub-limit, and trade goods intended for sale or delivery usually fall outside it altogether; they belong on a goods in transit insurance. For how the cover is built up, see luggage on a business trip.
This page deals with one situation. The full overview is on Business travel insurance.
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.
Business travel insurance
Compare
Get coveredWhy 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.
What to look out for
Four provisions that determine whether a business travel claim is paid.
Prior approval for medical expenses
Almost every policy requires that in the event of a hospital admission or expensive treatment you contact the emergency assistance centre first. If the traveller arranges it himself and submits the invoice afterwards, payment can be limited or refused. Put the telephone number of the emergency assistance centre and the policy number in the travel instructions, not just in the policy folder at the office.
Luggage left unattended
The most frequently refused claim is the laptop bag taken from a parked car. Policies exclude theft from cars or limit it to a visibly locked boot within certain hours, and require signs of forced entry. Also, money, securities, jewellery and mobile phones have their own sub-limits. Expect to be paid only part of the loss of expensive equipment.
Pre-existing conditions and travel advisories
Costs arising from a condition for which treatment was already under way or planned generally remain excluded, as do trips undertaken specifically for treatment. If someone travels to an area subject to a negative travel advice, cover usually lapses entirely. Check that for each destination and record the outcome with the travel request.
Where the business travel policy stops
Business travel insurance is intended for temporary stays. If an employee stays longer than the maximum trip duration stated in the policy, this becomes secondment and a different solution is needed; see expatriates and secondment. Cancellation is a separate section as well: without that module you are not paid for a cancelled flight or hotel booking.
What does your premium depend on?
- Number of travel days per year: the most important measure under continuous cover
- Area of cover. Europe, worldwide or worldwide including North America
- Nature of the work carried out on the road: attending meetings is assessed differently from assembly or installation work
- Sections included: luggage, personal accident, cancellation and legal expenses can be chosen separately
- Value of the equipment taken along: decisive for the sub-limit on business equipment
- Number of travellers: individual cover is rated differently from a group
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| An employee is admitted to hospital in Brazil and the clinic requires a payment guarantee in advance | Yes | Yes |
| An employee dies during the trip and has to be brought back to the Netherlands | Yes | Yes |
| The case of work clothing arrives three days later than the traveller himself | No | Yes |
| A strike grounds air traffic and the return journey costs two extra nights in a hotel | No | Yes |
| An employee drives the hire car into a bollard and the hire company charges on the excess | No | Provided that |
| An employee loses his wedding ring in the hotel room | No | No |
Assistance is the core of this policy; anything to do with delay, accommodation and hired equipment is set out in separate sections.
Frequently asked questions
This is what people ask us most.
Do I need this alongside basic health insurance and a European health insurance card?
Basic health insurance and the European card arrange medically necessary care, but pay within the limits of the Dutch tariff and cover no repatriation, no medical escort and no stay by a family member on the spot. Outside Europe the difference between local bills and the Dutch payment mounts up quickly. The business travel policy fills precisely that gap.
Are business goods and samples insured?
Business equipment you need in order to work is generally insured up to a sub-limit. Goods intended for sale, delivery or paid demonstration fall outside the luggage section. They belong on transit cover. If the distinction is not made in advance, it only emerges when the claim is handled, and by then it is too late.
What if an employee has an accident while travelling?
The assistance and the medical expenses run through the travel policy. Permanent consequences fall under a personal accident section, which pays a fixed sum and does not replace income. For long-term absence that is the disability side. If the question arises whether you are liable as the employer, that turns on the duty of care in Article 7:658 of the Dutch Civil Code, including for work abroad.
Does the cover apply to a private extension of the trip as well?
Only if that has been insured. Many policies cover a short private period added on, but limit it in days, and an accompanying partner is not automatically insured. If the trip is extended privately without that being arranged, a loss in that period falls outside the cover. Set out the ground rules in the travel policy, so that employees know this in advance.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- Business Travel Insurance through Turien & CoBinding authority, travel advice, high-risk areas
- Transport and business travel: staff and goods on the moveDrivers, medical expenses, repatriation
- Insuring an individual business tripContinuous or short-term, one traveller, worldwide
- Individual business travel insuranceTravelling for work, equipment, medical assistance
- Insuring business travel collectivelyContinuous, all employees, no enrolment
- Medical cover on business tripsEmergency assistance centre, payment guarantee, pre-existing conditions