Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
Agency workers, interns & volunteers through De Goudse
An internship is legally not a job, but not nothing either, and it is exactly that in-between position that produces the conflicts for which legal expenses cover is needed.
- 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 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
An internship agreement has a learning objective: you are there to learn the trade, not to produce output. If an intern does ordinary work under direction and for payment, a court may find that there is in fact a contract of employment, with all the entitlements to pay that go with it. That is the most common internship dispute.
The other issues are early termination, an unsatisfactory assessment that affects the course, and the supervision the host organisation had promised. Three parties are involved: student, college and business, and the internship agreement rarely sets out who is responsible for what.
The work and income module of a personal legal expenses insurance covers these disputes if the intern is an insured person on the policy. So with De Goudse we first check whether a student child living away from home still falls under the family cover. Compare this with the ASR structure.
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We compare your legal expenses 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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Through Finass or direct with De Goudse?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
- Employment law & staff
- Business premises (rented or owned)
- Public authorities & permits
- Recovery of traffic damage
Complete package
The most complete cover. We compare De Goudse's extended versions with the market.
- Free choice of lawyer in legal proceedings
- Tax law & tax disputes
- Administrative law
- Higher allowance for external costs
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Dispute with a contractor about work on your home | Yes | Yes |
| Recovering damages for personal injury after a collision | Yes | Yes |
| Employment dispute or dismissal | Provided that | Yes |
| Dispute about a purchase or a delivery | Yes | Yes |
| Tax dispute or dispute about assets | No | Provided that |
| A dispute that was already running before the start date | No | No |
Legal expenses insurance has a waiting period after the policy starts and a threshold: a case is not taken on below a certain financial interest. If the case goes to court, you have a free choice of lawyer. A dispute whose cause already existed when you took out the insurance is excluded.
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.
What does your premium depend on?
- Children living away from home included. Whether a student in digs is still an insured person decides whether an internship dispute falls within the policy at all.
- Work and income module. Without this module only consumer, traffic and home matters remain, and an internship case is not covered.
- Threshold amount. With unpaid internships the financial interest is small, so the case may fall below the threshold.
- Personal contribution per case. Some policies have a fixed amount you pay yourself as soon as an external expert is brought in.
- Area of cover. An internship abroad falls within the policy only if the area of cover allows it.
- Waiting period. Work-related disputes are only taken on after the policy has run for a number of months.
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.
Learning or working: the difference decides the entitlement
The name of the contract is not decisive; how it works is. If an intern works full shifts, stands in for a sick member of staff or is judged on output, the balance shifts towards a contract of employment and therefore towards an entitlement to pay. For the business that is a risk, for the student an opportunity. A lawyer assesses tasks, direction and pay together, not in isolation.
Early end to the internship
If the business stops the internship halfway through, that immediately affects progress on the course: a new placement has to be found and the course takes longer. The internship agreement often contains a termination clause, but rarely any arrangement for the loss that follows. Legal expenses cover focuses here on the triangle with the educational institution, which has its own role in assessment and in finding a replacement placement.
Injury during the internship
The duty of care of Article 7:658 of the Dutch Civil Code applies through subsection 4 to people carrying out work without a contract of employment as well, such as interns. So the business has to have instruction, supervision and protective equipment in order, even for someone still learning the work. If something happens, that is a recovery case against the business and not an employment conflict; it falls under a different module from the dispute about the placement.
What the policy does not take on
Disputes with the educational institution about a mark, a binding study advice or tuition fees are not covered by most insurers. Cases with an interest below the threshold amount are also left aside, as are conflicts that were already running when the policy was taken out. And the intern's own liability for damage at the business belongs with the liability insurance.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Is an intern entitled to pay?
Not automatically. In a genuine learning placement with an internship allowance there is no contract of employment and therefore no entitlement to the minimum wage. If in practice the intern does ordinary productive work under direction, a court may find that in substance a contract of employment does exist. What actually happens is decisive, not what is written at the top of the contract.
Is my child at college covered by our family policy?
With many insurers, student children living away from home remain insured as long as they are studying and do not run their own household. The wording differs per policy and sometimes an age limit applies. Because an internship dispute is only handled if the intern is an insured person, we check that clause before anything happens rather than afterwards.
The host business is stopping the internship. What can I do?
First ask for the reason in writing and involve the college's placement supervisor straight away: they have their own interest in finding a replacement placement. If the business terminates without grounds and contrary to the internship agreement, a lawyer can claim performance or compensation. Speed counts for more here than in an ordinary employment conflict, because the delay to the course keeps running.
My child broke something during the internship. Who pays?
That is a liability question, not a legal expenses case. Damage caused by someone while working for another party is often attributed to the organisation they were working for. If the intern is still held responsible, personal liability insurance (AVP) comes into play, provided it is not regarded as a business activity. Report the damage to both insurers.
Every situation is different. For these situations we have a separate page.
Read more
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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.