Medical care and repatriation
- Costs above the Dutch rate
- Medical transport to the Netherlands
- Emergency assistance centre day and night
- Emergency dental treatment, limited
Insuring an individual business trip
If you or one regular employee travel for work on a regular basis, individual business travel insurance is enough. The main question is whether your private travel insurance covers work at all.
- 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
An individual business travel insurance is in the name of one traveller. You choose between continuous cover, which applies to all business trips in a year, and short-term cover for one specific trip. Anyone who travels more than a few times a year is almost always cheaper off with a continuous policy and does not have to arrange anything per trip.
The content is the same as under a group contract: medical expenses as a supplement to your health insurance, repatriation through an emergency assistance centre, luggage and business equipment, and extraordinary costs where the trip is disrupted. Sections such as personal accident, legal expenses while travelling and cancellation are usually optional.
The misunderstanding that produces the most claims concerns the private travel insurance. That is written for holidays and often limits work to office and desk work. An engineer, photographer or installer working abroad falls outside it: and then not only the tools are uninsured, but possibly the accident as well. See also the group version and business travel for self-employed professionals.
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What does individual business travel insurance cover?
Three sections form the core. The rest is optional and varies widely from insurer to insurer.
Baggage and equipment
Your cases, laptop and business items during the trip.
- Personal luggage
- Laptop, phone and documents
- Sub-limit for valuables
- Replacement purchases in the event of delay
Continuous or single-trip
The form determines whether you arrange cover per trip or are covered all year.
- Continuous where there are several trips
- Short-term for one trip
- Maximum length of each trip
- Area of travel fixed in advance
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Emergency medical treatment abroad | Yes | Yes |
| Repatriation by air ambulance | Yes | Yes |
| A laptop stolen from a hotel room | Provided that | Yes |
| Cancellation of the trip because of illness | No | Provided that |
| Physical work during the trip | Provided that | Yes |
| Extending the trip as a holiday without reporting it | No | Provided that |
The area of travel, the maximum trip duration, sub-limits for valuables and the description of permitted activities are set out in the policy conditions.
What does your premium depend on?
- Area of travel. Europe or worldwide
- Number of travel days per year: continuous or per trip
- Nature of the work: office work or physical labour
- Equipment covered: laptop and specialist equipment
- Sections chosen: accidents, cancellation, legal expenses
- Age of the traveller: relevant to the personal accident section
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.
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 determine whether your loss on the road is paid for.
Work is not a holiday
A private continuous travel insurance sometimes covers business trips as well, but almost always limited to office and desk work. As soon as you carry out physical work (assembling, installing, filming with heavy equipment, building) that cover lapses. Business equipment is also rarely insured on it. Anyone who travels for work regularly therefore takes out separate business travel insurance instead of relying on the private policy.
Health insurance covers only part
The Dutch basic health insurance pays for care abroad up to the Dutch rate at most. In many countries the actual tariff is far above that, and repatriation is not paid for at all. The business travel policy makes good precisely that difference and calls in an emergency assistance centre that guarantees payment, so that you do not have to advance a deposit.
What is not included
Outside the cover are, among other things: travel to areas subject to a negative travel advice, costs arising from pre-existing medical conditions for which treatment during the trip was foreseeable, luggage left unattended and belongings left visible in a car, and loss during high-risk sports such as mountaineering, deep diving or speed competitions. Money, securities and trade goods also generally have no cover or very limited cover. Intent and recklessness fall under Article 7:952 of the Dutch Civil Code.
Call first, claim afterwards
A hospital admission, medical transport and an early return have to run in advance through the emergency assistance centre. If you arrange it yourself, part of the costs remains at your own expense. In the event of theft, a police report locally is almost always compulsory, and where a carrier is responsible, a written notification to the airline. Report a loss as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code). What you stated at the start about your work falls under Article 7:928 of the Dutch Civil Code, with a reduction or refusal under Article 7:930 of the Dutch Civil Code if that is incorrect.
Frequently asked questions
This is what people ask us most.
Continuous or short-term: which is wiser?
If you travel more than two or three times a year, a continuous policy is usually cheaper and certainly more practical: you do not have to arrange anything per trip and never forget to take out cover. For a single trip, for example attending a trade fair outside Europe, tailored short-term cover is the logical choice.
Do I need this as a self-employed professional?
If you travel for work, yes. Your private travel insurance often does not cover business activities, or covers only desk work, and business equipment usually falls outside it. What is more, without an employer there is nobody to continue paying your income if an accident on a trip puts you out of action for a long time; for that, also look at personal accident or disability cover.
Is my company laptop insured?
Usually it is, within the luggage section, but with a sub-limit that is often lower than the replacement value. Conditions apply in the event of theft: the device must not have been left unattended and must not have been visible in a vehicle. For expensive specialist equipment, separate electronics or equipment insurance is generally more suitable.
What is the maximum duration of one trip?
Almost every policy has a maximum uninterrupted trip duration. If that is exceeded, the cover stops, even though the contract continues. For longer postings or secondment, expatriate cover is needed. Check the period before a long project and always report an extension to the insurer in advance.
Does the cover apply if I add a few days' holiday?
Generally it does, provided those days follow on from the business trip and the total trip duration stays within the policy limits. A trip that is mainly a holiday with one business appointment added does not fall within it. If in doubt it is wiser to have the trip covered by a private travel insurance as well.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- Insuring business travel collectivelyContinuous, all employees, no enrolment
- Transport and business travel: staff and goods on the moveDrivers, medical expenses, repatriation
- Individual business travel insuranceTravelling for work, equipment, medical assistance
- Business travel insurance for SMEsFew trips, short-term, the trade-off
- Business travel insurance through Hienfeld
- Is travel insurance worth it?What your health insurance covers, what it does not, continuous or single-trip
- Business travel insurance for self-employed professionalsSections, sub-limits, overlap
- Continuous business travel insuranceAll year, unlimited trips, maximum trip duration
Read more
Within Zakenreisverzekering
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Well covered on your own trips?
Request a quote without obligation. We look at the trip duration, the area of travel and the work involved 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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.