Permanent disability
- Percentage according to the gliedertaxe
- Also when you are at fault
- Assessed once the medical position is final
Fixed-sum insurance · gliedertaxe · payment regardless of fault
Compare family personal accident insurance
In most accidents there is no liable other party. Slipping on the stairs, a fall while playing sport, a single-vehicle cycling accident: there is then nobody to turn to.
- 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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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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Family personal accident insurance pays a fixed amount for permanent disability or death caused by an accident, regardless of who is at fault. In law this is fixed-sum insurance: the amount is fixed in advance and it makes no difference whether, or to what extent, it covers the actual loss.
That is precisely the difference from liability insurance. Liability insurance pays someone else's loss where you are liable. This policy pays you, even where nobody is liable.
The size of the payment for disability follows from the gliedertaxe (the disability scale): a fixed list of percentages per part of the body or loss of function. That list differs by insurer and often matters more than the sum insured.
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What does family personal accident insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Death
A fixed amount on death caused by an accident.
- Payment straight away
- No argument about fault
- Alongside funeral insurance
Who is insured
With family cover, everyone at the same address.
- You and your partner
- Children living at home
- Sometimes students living away
What is covered
| Situation | Accidents | Liability |
|---|---|---|
| A single-person fall down the stairs at home | Yes | No |
| A sports injury caused by an accident | Sometimes | No |
| A collision in which someone else is at fault | Yes | No |
| You cause damage to someone else | No | Yes |
| Illness, occupational disease or gradual injury | No | No |
| Hazardous sports not declared | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Compare on the gliedertaxe, not on the sum insured
Two policies with the same sum insured can pay widely differing amounts for the same injury, because the list of percentages differs by insurer. Watch as well whether psychological injury and whiplash are excluded; that is the case on many policies, and it is precisely there that argument arises.
An accident is a sudden event from outside
Illness does not come under it, and neither does injury that arises gradually. A worn knee from years of running is not an accident. A torn ligament from a bad landing usually is. In reality that line determines whether there is a claim at all.
The payment usually stacks, but not always
Because this is fixed-sum insurance, your own insurer cannot recover what it has paid from a liable party. Setting the payment off against damages is generally not reasonable on a policy you paid for yourself. The position is different where the liable party paid the premium, as with an employer's group personal accident insurance.
Declare hazardous sports and unusual activities
Winter sports, diving, climbing, motorcycling and combat sports are excluded on many policies or attract an additional premium. The same applies to taking part in competitions. Declare what you do; activities not declared are the most common reason for a refusal.
What does your premium depend on?
- Sums insured: for death and permanent disability
- Household composition
- Profession and risk class
- Extensions chosen: hazardous sports, winter sports
- Area of cover
- Age of the insured persons
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.
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.
Frequently asked questions
This is what people ask us most.
What is the difference from liability insurance?
Liability insurance pays someone else's loss where you are liable. Personal accident insurance pays you on permanent injury or death, regardless of whether anyone is at fault.
What is a gliedertaxe?
The fixed list of percentages by which permanent disability is expressed per part of the body or loss of function. It differs by insurer and often matters more than the sum insured itself.
Is illness covered?
No. An accident is a sudden event from outside. Illness, occupational disease and injury that arises gradually fall outside it.
Are sports accidents covered?
Ordinary sport generally is; hazardous sports and competitions often are not, or only with an additional premium. Declare what you do, otherwise a refusal follows.
When is payment made for disability?
Once the final medical position has been reached and the permanent loss of function can be established. That may be one to two years after the accident. Some policies pay an advance in the meantime.
Is the payment set off against damages?
On a policy you paid for yourself, generally not. If the liable party paid the premium, for example your employer, setting off is more likely.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.