Group business travel insurance through De Goudse
Group cover does not insure one trip but a group. The question therefore shifts from destination to personnel records: who belongs to it and who does not.
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- We compare the offerings of several insurers
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- Switching arranged
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In brief
We act as an independent intermediary and compare more than thirty companies on the conditions that matter to your organisation. We use the group version of De Goudse for businesses where travel is not the exception but routine, and where reporting each trip is not practical.
The characteristic of a group policy is that the cover applies automatically to everyone who belongs to the defined group, without individual enrolment. That is precisely where the risk lies as well. Agency workers, interns, self-employed professionals who travel with you and directors without a contract of employment are not automatically included. The definition in the policy is decisive, not your idea of who belongs to the company. Go through that text line by line against your actual situation.
Group cover also touches on good employment practice. You decide where employees go, and your duty of care under Article 7:658 of the Dutch Civil Code does not stop at the border: preparation, vaccination advice, safety instruction and being contactable are part of it. The insurance pays the costs. The organisation around it is for you to arrange. See also group cover for staff.
This page deals with one situation. The full overview is on Business travel insurance.
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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.
Business travel insurance
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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 subjects that work differently under a group contract from an individual travel policy.
The group of insured persons
State expressly in the definition who is insured: employees on the payroll, directors, working partners, hired-in staff, interns and accompanying family members. Each of those groups is regularly missing from standard wordings. A group that is not described is not insured, even where the person concerned demonstrably travelled on your instructions and the premium is based on the salary bill.
Maximum length of each trip
Continuous group cover has a limit on the length of an uninterrupted stay. If that is exceeded, cover lapses for the excess period, even though the policy is perfectly active. For longer placements a secondment or expatriate solution is needed. Keep an eye on this with projects that overrun. It happens more often than with long-term postings planned in advance.
Acts of war, evacuation and unrest on the ground
Damage caused by armed conflict, civil war, insurrection and mutiny is excluded on almost every travel policy. The cost of getting employees out of an area in the event of sudden unrest or a natural disaster is only covered if an evacuation module has been included. Active participation in an armed conflict and travel to areas that are advised against also fall outside the cover.
Employees' private trips
Some contracts extend the cover to employees' holidays and those of their families. That is a term of employment with consequences: the basis for the premium changes and the chance of overlap with an employee's own continuous travel insurance increases. Where there is overlap, an indemnity insurance does not pay out twice, which follows from Article 7:960 of the Dutch Civil Code. Communicate clearly what is and is not included.
What does your premium depend on?
- Number of employees in the group: the size of the group is the basis
- Total number of travel days per year: declared or calculated afterwards on the basis of records
- Destinations: worldwide travel weighs more heavily than Europe only
- Job profiles: service engineers carry a different risk from sales staff
- Including private trips: widens the cover and therefore the premium
- Modules chosen: cancellation, personal accident and evacuation are separate choices
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| An account manager breaks his ankle in Spain and has to be flown back to the Netherlands with a medical escort | Yes | Yes |
| An employee loses his passport during a conference and needs an emergency travel document | Yes | Yes |
| The trade fair for which the flight and hotel had already been booked does not go ahead | No | Yes |
| An employee cuts the trip short because a family member at home becomes seriously ill | No | Yes |
| An employee damages the car he hired locally | No | Provided that |
| An employee falls ill from a condition for which he was already under treatment here | No | No |
A group contract mainly arranges what goes wrong medically; everything to do with bookings and transport is bought module by module.
Frequently asked questions
This is what people ask us most.
Do we have to report every trip?
No, that is precisely the advantage of a group contract: the cover runs on and applies to everyone within the defined group. You do keep a record of travel days or travellers, because the premium is settled on that basis. Travel to destinations outside the agreed area of cover usually does have to be reported in advance.
Are agency workers and self-employed professionals insured as well?
Not automatically. They are not on your payroll and fall outside the standard group, whereas your duty of care under Article 7:658(4) of the Dutch Civil Code does extend to hired-in labour. If you want them insured, have that included in the policy expressly. A self-employed person who travels in his own right arranges his cover himself in principle.
What happens if there is double cover?
If an employee has a private continuous travel insurance, one loss can fall under two policies. The insurers settle that between themselves under the overlap rules. The traveller is paid for the loss once. So luggage sub-limits do not stack. When making a claim, always report the existence of the other insurance, because concealing it can cause problems in its own right.
Does this cover an employee's liability abroad as well?
A travel policy sometimes has a limited private liability section for the traveller, but business liability falls outside it. If an employee causes damage at a client's premises while working, that is a matter for the public and employers' liability insurance, whose area of cover then has to be adequate.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- Insuring business travel collectivelyContinuous, all employees, no enrolment
- Collective business travel insuranceAll employees, covered automatically, emergency assistance centre
- Business travel insurance for staff: who is covered?All employees, no enrolment, overview
- On a business trip as a self-employed professionalNo employer, loss of turnover ·. Your own decisions
- Business travel insurance for self-employed professionalsSections, sub-limits, overlap
- Insuring an individual business tripContinuous or short-term, one traveller, worldwide