Basic cover
- Luggage & travel documents abroad
- SOS emergency assistance centre
- Money & payment cards while travelling
- Help in case of illness or accident
Continuous travel insurance through Nationale-Nederlanden
Continuous travel insurance runs all year, but covers only a limited number of consecutive days per trip. It is precisely that limit which determines whether you are still insured on the longest trip of the year.
- 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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The feature of a continuous policy is that you do not have to think about each trip: every trip within the contract year is automatically covered, from the moment you leave your home address until you are back home. Against that stands a hard limit, the maximum continuous length of each trip. That number of days is stated on your policy schedule and is the most important choice with this product.
The second condition is that you live in the Netherlands and are registered here. The policy covers trips from the Netherlands, not a stay elsewhere. If you go to work or live abroad for a longer period, this is not the right product and you are more likely to need insurance for working abroad.
Cancellation is not included as standard. That is a separate module or a separate policy with its own rules about when it must be taken out. You can read about that on the page about cancellation insurance. With this product we compare above all on trip length, territorial scope and which modules are included as standard.
Independent, personal, sorted quickly
We compare your travel 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 Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
- Luggage & travel documents
- Money & payment cards while travelling
- Travel legal expenses cover
- Money & payment card insurance
Complete package
The most complete cover. We compare Nationale-Nederlanden's extended version with the market.
- Replacement transport
- Cancellation can be included
- Special sports
- Higher luggage cover
What is covered
| Situation | Basic | With winter sports module |
|---|---|---|
| Theft of luggage from a locked space | Provided that | Provided that |
| Repatriation after an accident | Yes | Yes |
| Medical expenses abroad | Provided that | Provided that |
| Damage to or theft of hired ski equipment | No | Yes |
| An accident while skiing off-piste | No | Provided that |
| A trip to an area with a negative travel advisory | No | No |
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
What we do
| What we do | At Finass | Direct with Nationale |
|---|---|---|
| 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 Nationale 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?
- Maximum length of each trip. The longer the unbroken period you insure, the higher the annual premium.
- Area of cover. Europe is cheaper than worldwide; healthcare costs at the destination are the largest cost item.
- Number of insured persons on the policy. Family cover with children living at home costs more than cover for one or two people.
- Medical expenses module. Whether or not you include the supplement to your health insurance makes a noticeable difference to the annual premium.
- Winter sports and special sports. These modules increase the premium for the whole year, even if you only go for a week.
- Cancellation module or not. Continuous cancellation cover is calculated on your annual trip spend and is often the most expensive part.
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.
The maximum trip length per trip is the key choice
Continuous does not mean unlimited. Every policy states a maximum number of consecutive days per trip, and that maximum differs considerably by provider. If you stay away longer, with most insurers the cover ends the moment the period expires, in the middle of your trip. So do not look at your average holiday but at the longest trip you realistically make.
The cover depends on your Dutch home address
Under the conditions, a trip starts when you leave your home address in the Netherlands and ends when you return there. Anyone who deregisters, leaves permanently for another country or uses a second home as their point of departure falls outside that description. Moving abroad is a change you must declare. If it turns out afterwards that you no longer lived in the Netherlands, the insurer can refuse cover.
Medical expenses are supplementary, not a substitute
The medical expenses module works on top of your Dutch health insurance. The basic health insurance pays for treatment abroad up to the rate usual in the Netherlands. The travel insurance tops up the difference and arranges assistance, transport and repatriation. If you no longer have Dutch health insurance, that underlying layer falls away and the module covers considerably less than you expect.
What an annual policy does not automatically include
Winter sports, diving, climbing and other special sports are only covered with the relevant module. The same applies to legal expenses while travelling, a replacement vehicle and cancellation. Also outside the cover are stays for paid work or manual work, trips to areas with a negative travel advisory, and damage that already existed on departure. The policy renews automatically and after the first year can be cancelled on any day.
Worldwide assistance
Cancellation
Frequently asked questions
This is what people ask us most.
What happens if my trip lasts longer than the trip length insured?
With most policies the cover stops as soon as the maximum unbroken trip length is reached, even if you are still on the way. From that moment you are uninsured for luggage, assistance and medical expenses. If you know in advance that a trip will be longer, declare it; sometimes a temporary increase is possible, otherwise you take out a separate policy for that trip.
Am I also insured on a holiday in the Netherlands?
Usually only where there is a booked stay with at least one overnight stay, for example a cottage or campsite with a booking confirmation. A day out does not count. Within the Netherlands your medical expenses are already covered by your health insurance, so the added value here lies mainly in luggage, assistance and legal expenses.
Do I need this in addition to my health insurance?
The basic health insurance pays for treatment abroad up to the Dutch rate, and in countries with high healthcare costs that falls short. A health insurer moreover does not arrange an air ambulance, transport for an injured travelling companion or alternative accommodation. In reality that assistance element is more often the reason for having a travel policy than the difference in costs itself.
Can I cancel if I do not travel for a year?
After the first contract year, continuous travel insurance can be cancelled on any day, subject to the notice period in the conditions. In the first year you are tied to the term. If you travel irregularly, the sum is simple: with one or two short trips a year, a single-trip policy per trip is often better value than an annual contract.
Every situation is different. For these situations we have a separate page.
Read more
Within Reisverzekering
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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.