Permanent disability
- Choice of € 25,000 to € 100,000 with a.s.r., € 75,000 with ANWB
- Percentage per body part, for example 80 per cent for an arm
- Sum halved from age 70 with some providers
Compare family personal accident insurance
Two family personal accident policies with the same premium can pay out very differently for the same injury; compare on insured amounts, exclusions and exactly who is covered.
- 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.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- First and last name (required)
- Date of birth (required)
- E-mail address (required)
- Phone number (required)
- Postcode (required)
- House number (required)
- Suffix
- Address check
- Would you like to include any other insurance? (required)
Additional questions follow per chosen insurance.
- Household composition (required)
- Occupation or activities (required)
- Preferred start date
- Already insured?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
You compare family personal accident insurance (gezinsongevallenverzekering) on figures set out in the policy conditions. With a.s.r., you choose an amount of € 25,000, € 50,000, € 75,000 or € 100,000 for permanent disability, plus € 5,000 to € 20,000 on death; for hospital admission following an accident the policy pays € 25 per day up to € 1,500. The ANWB accident insurance, underwritten by Unigarant, works with € 25,000 on death and up to € 75,000 for permanent disability, and gives single people a 40 per cent discount. Same product name, different building blocks.
Unlike our page on family personal accident insurance through Klaverblad, which explains a single policy, here we set out the differences between providers side by side. They lie in the body-part schedule (gliedertaxe), the age at which the insured sum is reduced, the position of students living away from home and the sports exclusions. a.s.r., for example, excludes ice hockey, speed skiing, combat sports, bungee jumping and accidents on a motorcycle over 50 cc for those under 23; a family with a motorcycling student or a child at a judo club needs to know this before taking out cover.
For your family, we request the policy conditions from several insurers and compare them on six points: the insured sums, the disability table, the end age and age-related reduction, cover for children living away from home, the sports and vehicle exclusions, and the additional sections. Only then do we look at the premium, which for a family is indicatively between € 8 and € 25 per month.
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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What does family personal accident insurance cover?
Policies differ on measurable points for each section; these are the points we compare.
Death
The death benefit is a fixed part of one policy and a low-value add-on in another.
- € 25,000 as standard with ANWB, € 5,000 to € 20,000 as an add-on with a.s.r.
- Payout to partner or heirs, alongside term life insurance
- Offset against a disability amount already paid
Who is insured
Who counts determines whether a student living away from home or a new family member is actually covered after an accident.
- Family members at the same address
- Children living away from home in full-time education or on an internship, including abroad
- Registration in the Dutch population register as a condition
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.
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.
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 on which family personal accident policies differ most in practice.
Same sum, different payout
The disability benefit is a percentage of the insured sum according to a table in the policy conditions. Loss of an arm is rated at 75 per cent by one insurer and at 80 per cent by another, as in Centraal Beheer's worked example. With partial loss of function, that percentage is reduced proportionally, and a progressive policy multiplies serious injuries above a threshold. Two policies with € 100,000 insured can therefore differ by tens of thousands of euros for a spinal cord injury. Ask for the table before you compare on premium.
Students and sports
With a.s.r., children living away from home remain covered as long as they are in full-time education or on an internship, including abroad, provided they are registered in the Netherlands. Not every insurer is this generous. At the same time, a.s.r. excludes accidents on a motorcycle over 50 cc for insured persons under 23, as well as ice hockey, speed skiing, combat sports and bungee jumping or abseiling without supervision. A family with a student child who rides a motorcycle or practises a combat sport should therefore compare on the exclusions first and only then on the amounts.
Age and single people
Insurers reduce the insured sums at older ages: Centraal Beheer halves them once you turn 70, other providers choose a different threshold or end the cover. For grandparents still on the family policy or for an older single person, that is a significant difference. On the other hand, some insurers give a discount on the family premium for smaller households, such as 40 per cent for single people with ANWB. Compare the policy on your current household composition and on your situation ten years from now.
Additional sections
Besides disability and death, insurers offer extra sections with their own limits. a.s.r. pays € 25 per day for hospital admission following an accident, up to € 1,500 per accident, and offers additional cover for high-risk occupational activities. Other policies add dental costs for children or reimbursement of the health insurance excess. These sections cost extra premium and sometimes overlap with your health or travel insurance. Only include what fills a gap and compare the maximums per section.
Frequently asked questions
Questions from families comparing personal accident insurance.
How much does family personal accident insurance cost?
The premium depends on the household composition, the chosen sums and the additional sections; insurers do not publish fixed amounts online. As an indication, a family pays between € 8 and € 25 per month, with € 100,000 for disability plus a daily allowance costing considerably more than € 25,000 without extras. Single people get a substantial discount with some providers, such as 40 per cent with ANWB. We work out several options for you.
Which insured amounts are usual?
For permanent disability, the choices at the major providers range from € 25,000 to € 100,000; a.s.r. offers four steps within that range, ANWB a single amount of € 75,000. On death, € 5,000 to € 25,000 is usual. The disability sum is the most important, because it has to cover home adaptations, care and loss of income that no other insurance covers. Choose that sum based on your mortgage, income and own savings buffer.
Are my children who study and live away from home covered?
That varies by insurer and is an important point of comparison. With a.s.r., children living away from home who are in full-time education or on an internship remain covered, including abroad, as long as they are listed in the Dutch population register. Other policies apply a maximum age or require registration at your address. A child who moves abroad to study and deregisters then falls outside the cover.
Which sports and vehicles are excluded?
Every policy excludes dangerous sports, but the list varies. a.s.r. lists ice hockey, speed skiing, combat sports, bungee jumping and abseiling without supervision, speed competitions with motor vehicles and riding a motorcycle over 50 cc under the age of 23. Alcohol, drugs and medication misuse are excluded everywhere, as are intent and acts of war or civil unrest. If a family member practises a sport on such a list, compare on exactly that point, or ask for additional acceptance.
What changes when I turn 70?
With many insurers, the insured sums are reduced at a certain age or the cover ends. Centraal Beheer halves the amounts once you turn 70; other providers use 75 or a premium loading. It is precisely at older ages that the risk of permanent injury after a fall is higher, so when comparing, look at the age arrangement and not just at today's premium.
Is accident insurance through the sports club or school enough?
No, those group policies only apply during club activities or school hours and the journey there, with modest amounts. Family personal accident insurance applies 24 hours a day, worldwide, so also at home, on holiday and in traffic. Because they are fixed-benefit insurance, both pay out side by side for an accident during training. The accident section on a mobility scooter or car policy also partly overlaps; avoid paying premium twice.
Every situation is different. For these situations we have a separate page.
- Personal accident insurance for a VvEVolunteers, working days, fixed-sum insurance
- Personal accident insurance through Hienfeld
- Personal accident insurance for a VvEBoard and volunteers, working days ·. A fixed payment
- Personal accident insurance for self-employed professionals (zzp'ers)A fixed amount, permanent disability, no illness cover
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.