Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
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.
- 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 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
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.
Independent, personal, sorted quickly
We compare your personal accident 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 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.
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.
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.
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
Frequently asked questions
This is what people ask us most.
Can personal accident insurance replace my AOV?
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.
Every situation is different. For these situations we have a separate page.
Read more
Within Gezinsongevallenverzekering
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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.