Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
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.
- 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
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.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) 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 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.
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.
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.
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
Frequently asked questions
This is what people ask us most.
Does my e-bike fall under this insurance?
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.
Read more
Within Aansprakelijkheidsverzekering
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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.