Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Group personal accident insurance through Hienfeld
Group personal accident insurance stands or falls on two things: the description of the insured group and the declaration on which the premium is settled.
- 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 activities
- 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
The group version insures not a person but a defined group. That can be the entire workforce, or a division into categories with its own sums insured for each: board, field staff, production. There is no list of names. Anyone joining is insured from that moment and anyone leaving is not, without your having to report every change.
The premium is set on the basis of the wage bill or the number of employees declared and, once the insurance year has ended, is adjusted. That declaration is no formality: if you consistently declare too little, the insurer not only corrects the premium but, after a loss, Article 7:930 DCC can lead to a proportionately lower payment. Keep the declaration in step with your payroll records, therefore.
This policy is emphatically not liability cover. It pays regardless of who is at fault, including where the employee was clumsy himself. If you are pursued as an employer over your duty of care under Article 7:658 DCC or over good employer conduct under Article 7:611 DCC, that claim lands on a liability insurance with employers' liability.
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 Hienfeld?
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 Hienfeld's extended versions with the market.
- Repatriation in the event of death
- Defence & legal costs
- Dental costs
- Cosmetic surgery
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire, smoke and water damage in the home | Yes | Yes |
| Theft after forced entry | Yes | Yes |
| Knocks and falls at home | No | Yes |
| Loss or theft away from home | Provided that | Provided that |
| Damage during transport, repair or exhibition | Provided that | Provided that |
| Wear, shrinkage, damp and insect damage | No | No |
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
What we do
| What we do | At Finass | Direct with Hienfeld |
|---|---|---|
| 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 Hienfeld 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?
- Wage bill or number of employees. The basis declared determines the provisional premium and the adjustment at the end.
- Sector and occupational classes. How the group is spread over office, field staff and production counts heavily.
- Period of cover. During work and business trips only, or full cover around the clock.
- Sums insured per category. Fixed amounts or a multiple of the annual salary, set for each group described.
- Share of hired-in and flexible staff. Agency workers and seconded staff widen the group and with it the risk to be insured.
- Claims history and prevention. Earlier accidents and a demonstrable safety policy feed through into acceptance and the rate.
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.
Who falls within the group
Employees with a contract of employment are covered automatically. Agency workers, seconded staff, students on placement, volunteers and family members working in the business are covered only where the description names them. Self-employed contractors you hire are not in the wage bill and are therefore not insured; they need their own personal accident insurance for self-employed professionals. Go through the description as soon as you start working with a new form of contract.
Working hours or the whole day
A group policy can be limited to working hours and business trips, or apply for the full twenty-four hours, seven days a week. Under the limited form an accident at home, while playing sport or at the weekend is not covered, and commuting is an item to be arranged separately. For a group with many road users that choice is the main difference between quotations.
Premium adjustment and the declaration
The provisional premium rests on your own declaration. If the workforce grows, its composition changes or the wage bill rises, that should move with it. If the declaration lags behind, a correction follows at the adjustment and the insurer can apply a proportionate reduction after a loss. Placing employees in the wrong category works through in the same way.
Who benefits on death
The employer is the policyholder, the employee is the insured person. On death the question is who receives the payment: the dependants directly, or the employer, who then passes it on. Record that in advance, because otherwise argument arises at the worst possible moment. The route chosen also matters for tax, both for the organisation and for the dependants.
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.
Are hired-in self-employed professionals covered?
Not automatically. The premium runs on the wage bill and a self-employed contractor is not in it, so he falls outside the group description unless expressly included. If you work regularly with self-employed people on site, have it recorded whether they fall under the policy or have to arrange their own personal accident cover.
Who receives the payment on death?
That follows from the beneficiary provision on the policy. Often the dependants are named directly, but it also happens that the employer receives the payment and passes it on. Arrange this in advance and tell your staff, because after a fatal accident this is not a conversation you want to be having.
Does the cover apply outside working hours?
Only under cover that runs around the clock. If you choose the limited form, only an accident during work and business trips is covered and commuting is a point to be arranged separately. An accident while playing sport, on holiday or at home falls outside the cover in that form.
Does this policy replace my liability insurance for staff?
No. The group personal accident policy pays regardless of fault and in fixed amounts. If an employee pursues you for allegedly breaching your duty of care under Article 7:658 DCC, the issue is full damages and defending the claim. That belongs on the liability insurance with the employers' liability section.
Every situation is different. For these situations we have a separate page.
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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.