De Goudse · compared independently · advice from Finass
Personal accident insurance through De Goudse
A personal accident payment is a one-off amount and not an income provision, and it is precisely that difference which is decisive for a business owner.
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
We generally use personal accident insurance with De Goudse for business owners and SME employers, alongside the covers that deal with income. The policy pays once on death or on permanent loss of function caused by an accident. What it does not do is top up your monthly income while you are unable to work, and that is precisely the expectation business owners most often get wrong.
For continuing income, disability insurance (AOV) is the disability insurance cover to take, because it also pays for illness. For staff, sickness absence insurance (verzuimverzekering) sickness absence insurance takes care of continued wages. By far the most absence in the SME sector is caused by illness and not by an accident; by definition a personal accident policy covers none of that category.
Where personal accident cover does have its place: as a supplement during the waiting period of a disability policy, as a provision for dependants after a fatal accident, and as a benefit for staff. In that last case Article 7:611 DCCalso comes into play: an employer can be expected to make a proper provision for staff who are exposed to risk in traffic or on the road.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what De Goudse and other insurers offer here.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
Extended cover
As well as cover during work, also 24-hour cover (7 days) (available as an extension) and higher benefits.
24-hour cover (7 days) (available as an extension)
Retraining (up to € 10.000)
Adaptations to the workplace, car & home
Interns & visitors covered as well
Complete package
The most complete cover. We compare De Goudse's extended versions with the market.
Repatriation in the event of death
Defence & legal costs
Dental costs
Cosmetic surgery
What is covered
Situation
Basic
With extension
Permanent disability after an accident
Yes
Yes
Death caused by an accident
Yes
Yes
Incapacity for work due to illness
No
Provided that
Continued payment of wages during sickness absence
No
Provided that
Reintegration and guidance
Provided that
Yes
Complaints that already existed when the policy was taken out
No
No
With accident and income cover, the definition of «accident» or «incapacity for work» determines what is paid out, together with the waiting period, the end age and the occupational profile. A condition that already existed or was known when the policy was taken out is usually excluded; non-disclosure can affect the payout (Articles 7:928 and 7:930 of the Dutch Civil Code).
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.
Illness, burnout and occupational diseases fall outside
Absence through back trouble, heart problems, burnout, RSI or an occupational disease does not lead to a payment, because there is no sudden effect from outside. For a business owner that means the greatest chance of long-term absence lies in the category this policy does not cover. Always assess personal accident cover together with your income provision, therefore, and not as a substitute for it.
Loss of function is not incapacity for work
The payment is tied to permanent loss of function by a medical yardstick, not to the loss of earning capacity. A pianist who loses part of a finger and can no longer practise his profession receives the percentage attaching to that joint, not an amount matched to his loss of income. The reverse also happens: loss of function with no consequences at all for the work.
Costs and lost turnover are not paid
Treatment costs, rehabilitation, the health insurance excess, cover for your role in the business, missed contracts and the turnover lost during your absence all fall outside the cover. This policy pays a fixed amount and nothing more. If you want to meet the business costs during absence, separate cover is needed within your disability solution.
Liability runs through a different policy
If an employee is injured, the personal accident policy pays regardless of fault. If that employee also brings a claim against you, the question is your duty of care under Article 7:658 DCC and good employer conduct under Article 7:611 DCC. That claim belongs on a liability insurance with employers' liability. The personal accident policy does not take it over.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Number of insured persons or the wage bill. On a policy for staff, the number of employees or the wage bill forms the basis.
Occupational class. Office work, installation work and work at height or with machinery are classified differently.
Period of cover. Only during work and commuting, or full cover around the clock.
Sums insured. Fixed amounts per section or a multiple of the annual income set the premium directly.
Age profile. The average age of the insured group feeds through into the chance of permanent injury.
Claims history and overlapping cover. Earlier accidents and the presence of sickness absence or income cover both count.
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.
No. Disability insurance pays periodically for as long as illness or an accident prevents you from working. This policy pays once and only after an accident causing permanent loss of function or death. Because most long-term absence arises from illness, a personal accident policy does not cover the greater part of your income risk.
Does the policy pay if an accident leaves me temporarily unable to work?
As a rule, no. The payment is tied to permanent loss of function or to death, not to temporary absence. If you make a full recovery, no payment follows, however long you were out of action. Some policies have a separate section for temporary incapacity caused by an accident; that is then an extension.
Am I obliged as an employer to have such insurance?
Group personal accident insurance is not compulsory by law. A collective labour agreement or terms of employment may require it, however, and under Article 7:611 DCC you may be expected to make a proper provision for staff who are exposed to risk in traffic. That obligation stands apart from your liability insurance.
Does an accident while commuting count?
With cover limited to working hours that is an express point: some policies include commuting, others do not. With full round-the-clock cover the question does not arise. For staff who have to be on the road every day, this is the first item to look at when comparing.
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.
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