Medical care and repatriation
- Costs above the Dutch rate
- Air ambulance or supervised transport
- Emergency assistance centre day and night
- Bringing family out
Continuous · all employees · no enrolment
Insuring business travel collectively
Group business travel insurance covers every employee who travels for the company, without your having to report trips in advance. The premium runs with the number of travel days or with the salary bill.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Zakenreis collectief verzekeren.
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 activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
As soon as more than the odd employee travels regularly, insuring trip by trip becomes unworkable. A collective business travel insurance solves that with continuous cover for a defined group: all employees, or a category such as directors, sales and service engineers. Anyone who falls within that definition is insured as soon as the trip begins, without prior enrolment.
The cover is the same as on an individual policy: medical expenses and repatriation as a supplement to your health insurance, luggage and business equipment, extraordinary costs where a trip is disrupted and usually a personal accident cover. The difference lies in the administration and in the basis for the premium: usually the number of travel days per year or the salary bill of the group insured, adjusted afterwards on the basis of a declaration.
A group contract has another practical advantage: one emergency assistance centre and one claims process for everyone, wherever they are. You do have to keep the group definition clean. An intern, agency worker or self-employed professional travelling with you is not automatically included. Also compare the individual version.
What does the group policy cover?
The same sections as an individual travel insurance, but continuous and for a defined group.
Baggage and equipment
Personal luggage and the business items that go on the trip.
- Clothing and cases
- Laptop, phone and demonstration material
- Sub-limit for valuables
- Requirements when leaving items in a car
Group conditions
Exactly who falls under the policy and how the premium is determined.
- Defined group of employees
- No need to register each trip
- Adjustment based on travel days
- Partner can sometimes be insured as well
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Medical expenses of an employee abroad | Yes | Yes |
| Repatriation after a hospital admission | Yes | Yes |
| A company laptop stolen during a conference | Provided that | Yes |
| An accompanying partner on a business trip | No | Provided that |
| Cancellation of a booked trip | No | Provided that |
| An agency worker who is not in the group definition | No | No |
The group definition on the policy schedule determines who is insured. The sections, limits and area of travel are set out in the policy conditions.
Where things go wrong in practice
Four points that make the difference under a group contract.
The description of the group is the cover
Is there all employees on the payroll, then hired-in workers, interns and self-employed professionals are not insured, even though they travel on your instructions. The same applies to the director-shareholder who is formally not an employee. So check the definition against your actual travelling population and adjust it after reorganisations, takeovers or a new foreign branch. An incorrect definition is the most common reason for a group policy not paying out.
You have to be able to support the basis of the premium
Insurers generally work with the number of travel days per year or with the salary bill of the group insured, with an adjustment afterwards. Keep that declaration up to date in the travel records or the booking system. If the actual number of travel days differs widely from the declaration, it is not only a premium correction that follows: it also touches the duty of disclosure in Article 7:928 of the Dutch Civil Code, with a possible reduction in payment through Article 7:930 of the Dutch Civil Code.
What is not included
Outside the cover are, among other things: travel to countries or areas subject to a negative travel advice, costs arising from pre-existing medical conditions for which treatment was foreseeable, luggage left unattended and belongings left visible in a vehicle, and loss caused by excessive use of alcohol or drugs. Likewise, high-risk sports in free time during a business trip, such as deep diving or motorised speed competitions, are usually excluded. Intent and recklessness fall under Article 7:952 of the Dutch Civil Code.
One number, and everyone has to know it
A group contract only works if the traveller actually calls the emergency assistance centre before any costs are incurred. Without prior approval, a hospital admission, repatriation and an early return are often not paid for or paid only in part. Give employees a card or an entry in the travel confirmation with the policy number and the telephone number. Also report a loss as soon as is reasonably possible. That is prescribed by Article 7:941 of the Dutch Civil Code for.
What does your premium depend on?
- Number of travel days per year: the usual basis
- Size of the insured group: how many employees travel
- Area of travel. Europe, worldwide or with exceptions
- Nature of the work: office work or physical labour
- Sections chosen: accidents, cancellation, legal expenses
- Claims history: earlier claims by the group
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
Do I have to register every trip?
No, that is precisely the difference from a short-term policy. Everyone who falls within the group definition is insured as soon as the business trip begins. You do periodically declare the number of travel days or the salary bill for the adjustment. For unusual destinations or long-term postings, prior notification is sometimes required.
Are accompanying partners and children covered?
Only where that has been expressly insured. Some insurers offer an extension for family members travelling with an employee, for example on a longer posting. Without that extension they are not insured persons and have to fall back on their own travel insurance. Ask about this in advance, because adding cover afterwards is not possible.
Does the cover apply to private extensions of a business trip?
Many policies cover a limited private extension immediately following the business trip, provided it is uninterrupted. A maximum trip duration per trip often applies as well. A trip that is essentially a holiday with a business appointment tacked on does not fall within it. Set out internally what is booked as a business trip.
What happens with a long-term secondment?
Business travel insurances generally have a maximum uninterrupted trip duration. If that is exceeded, expatriate cover is needed, with its own arrangements for healthcare, liability and repatriation. So report a secondment in advance; afterwards it regularly turns out that the trip duration had already been exceeded well before the date of the loss.
Is business equipment insured as standard?
Laptops and phones usually fall under the luggage section, but with a sub-limit lower than the purchase price. Demonstration material, samples, tools and trade goods are often not treated as luggage. Anyone taking expensive equipment is better off placing it separately on electronics or equipment insurance.
Read more
Within Zakenreisverzekering
Similar pages
- Insuring an individual business trip
- Transport and business travel: staff and goods on the move
- Collective business travel insurance
- Business travel insurance for staff: who is covered?
- Group business travel insurance through De Goudse
- Business travel insurance for SMEs
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Also relevant
Setting up a group contract?
Request a quote without obligation. We test the group definition and the basis of the premium with each insurer.
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.