Nationale · compared independently · advice from Finass
Liability insurance through Nationale-Nederlanden
On the road the dividing line of this policy runs along the motor vehicle: bicycles and pedestrians belong with liability insurance, anything with an engine with the compulsory insurance under the WAM.
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 situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Personal liability insurance covers your liability as a cyclist, pedestrian or passenger. If you drive a motor vehicle, the compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies and your motor policy pays. That boundary is sharp and causes most confusion with electric two-wheelers.
An ordinary e-bike with pedal assistance up to the statutory limit does not count as a motor vehicle and falls under this policy. A speed pedelec, light moped or moped does: it has a registration number and needs its own insurance. For fatbikes it depends on the construction and on whether the vehicle moves without pedalling.
At Nationale-Nederlanden we therefore go through your household first: which two-wheelers there are, whether there is a boat or a trailer and where you take them. After that you know in advance which policy any loss falls under.
Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Nationale-Nederlanden and other insurers offer here.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare Nationale-Nederlanden's extended versions with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What is covered
Situation
Standard
With extension
Your child breaks a window at the neighbours'
Yes
Yes
Your dog bites a passer-by (6:179 DCC)
Yes
Yes
Damage to a rented holiday home
Provided that
Provided that
Damage to property in your care (care, custody and control)
No
Provided that
Damage caused with a motor vehicle (Article 2 WAM)
No
No
Damage caused intentionally (7:952 DCC)
No
No
Personal liability insurance (AVP) covers damage that you or a member of your household cause to someone else in a private capacity. Damage caused with a motor vehicle is not covered: the WAM applies to that. The care, custody and control exclusion excludes damage to property in your care, unless the policy provides an extension for it.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Cyclists and pedestrians
If you hit a pedestrian or cause a fall with your bicycle, that is a classic claim under Article 6:162 of the Dutch Civil Code and the loss belongs on this policy. Injury is the real risk here: lost income, domestic help and compensation for pain and suffering can continue for years. The sum insured per event determines how far the cover reaches and is therefore not a formality.
Electric two-wheelers
The pedal-assisted bicycle falls under this insurance. The speed pedelec, light moped and moped fall outside it because they are motor vehicles. A separate policy is compulsory for those vehicles. If a family member is unknowingly riding a modified bicycle, the insurer treats that as a motor vehicle and cover under this section falls away. Check that before anything happens.
Trailers, boats and the uncoupled trailer
A trailer behind the car falls under the WAM cover of the towing vehicle; as soon as it is uncoupled and causes damage on its own, the personal policy comes into play. For boats the conditions set a limit on length or engine power, above which a separate pleasure craft policy is needed. Rowing boats and canoes usually stay within the cover; sailing boats and motor boats do not automatically.
What the road section does not arrange
This insurance pays your liability towards others, not your own injury or your own bicycle. If you are hit as a cyclist, you recover the loss from the other party. If that gets stuck, you need legal expenses cover or a recovery cover. Collisions caused deliberately (Article 7:952 of the Dutch Civil Code), fines and damage during commercial transport also stay outside the cover.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Two-wheelers in the household. The number and type of bicycles determines how often the family, as road users, can give rise to a claim.
Owning a speed pedelec or moped. These vehicles fall outside the policy and need their own insurance under Article 2 of the WAM.
Vessels. Length, sail area and engine power determine whether a boat still fits within the conditions.
Sum insured for injury claims. Injury on the road is the most expensive type of loss. The maximum per event is decisive here.
Area of cover. Cycling holidays outside Europe call for a wider territorial scope than a policy limited to Europe.
Combining with legal expenses cover. Recovering your own loss from another party is not part of this product and calls for a separate module.
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.
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.
An e-bike with pedal assistance up to the statutory limit does not count as a motor vehicle and falls under personal liability insurance. A speed pedelec does: it needs a registration number, a helmet and its own insurance. If you are unsure about a fatbike, check whether the vehicle also runs without pedalling. If it does, the insurer treats it as a moped.
I have been hit while cycling. Does my own policy pay my loss?
No. This insurance covers damage you cause to others, not the loss you suffer yourself. You recover your injury and your bicycle from the liable party, from their motor insurer. If that recovery is difficult, you need legal expenses cover; we arrange that separately or in combination.
My trailer rolled away and hit a car. Who pays?
That depends on the moment. If the trailer was attached to the car, the damage falls under the WAM cover of the towing vehicle. If it had been uncoupled and then caused the damage, your personal liability insurance comes into play. We therefore notify such a loss to both policies, so that the discussion stays between insurers.
Am I insured as a passenger in someone else's car?
As a passenger you rarely cause damage with the vehicle, so that liability runs through the driver's WAM insurance. If you damage the interior or an item belonging to the driver, the care, custody and control provision of your own policy comes into play. Your own injury as an occupant falls outside this product and belongs with personal accident or occupants' insurance.
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.
