Nationale · compared independently · advice from Finass
Cancellation insurance through Nationale-Nederlanden
Cancellation insurance only reimburses the trip cost you have booked if the reason you call the trip off is set out word for word in the conditions. That list is closed, and "it no longer suits me" is not on it.
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
This is the only travel product where cover is determined not by what happens, but by whether that event is on the list. Death or serious illness of you or of a relative within a degree named in the conditions, involuntary loss of your job, serious damage to your home and complications in pregnancy are the classic grounds. What is not on the list is not covered.
The second turning point is the moment you take out cover. You can only insure while the event is still uncertain, so shortly after booking and not once something is already going on. If you already knew when booking about a forthcoming operation, a shaky employment relationship or a sick parent, the insurer will take that into account when assessing the claim.
With this product we compare on the range of grounds, on whether curtailment cover is included and on the treatment of existing conditions. For the trip itself you also need travel insurance; cancellation stands apart from that.
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 core of your cancellation insurance. We show what Nationale-Nederlanden and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The list of reasons for cancelling is closed
Unlike luggage or medical cover, what is insured here is not an open risk but a list of events. If you change your mind, if the destination has become less attractive or if your employer withdraws your leave, that falls outside it in principle. Negative travel advice without the tour operator cancelling is usually not an insured ground either. Read the list before you book, not afterwards.
Take out the policy shortly after booking
Most insurers require the cancellation cover to start within a period named in the conditions after the booking. If you take it out later, cover can sometimes still be obtained but does not apply to circumstances that were already known at that point. The duty of disclosure under Article 7:928 of the Dutch Civil Code applies directly here: if you withhold what you knew, Article 7:930 of the Dutch Civil Code gives the insurer scope to reduce or refuse payment.
Existing conditions and treatment
Cancellation because of illness is covered, but not where the complaint already existed, was already being treated or is a foreseeable worsening of a condition you already had when you booked. The same applies to a planned procedure for which the date had yet to follow. If you are in doubt, have it assessed in advance whether your situation counts as an existing risk; afterwards that discussion is almost always to your disadvantage.
Cutting short counts differently from calling off
Cancellation is about a trip that does not go ahead. If you have to go home halfway through, it is the curtailment cover that comes into play, and that is not in every policy. Where it exists, it reimburses the travel days you did not use pro rata, usually under the same closed list of grounds. Report the curtailment to the emergency assistance centre at once; Article 7:941 of the Dutch Civil Code attaches consequences to a notification that comes so late that the insurer is prejudiced.
Worldwide assistance
Cancellation
What does your premium depend on?
Level of the insured travel sum. The premium is calculated on the amount you would lose if you cancelled. That is the main basis.
Separate policy or continuous cover. Cover per booking settles per trip. A continuous variant is based on your estimated annual trip costs.
Range of the grounds for cancellation. Variants with wider or virtually unlimited grounds cost considerably more than the standard list.
With or without curtailment cover. Payment for unused travel days is a separate, separately priced extension with some providers.
Number of people booked. All travelling companions on one booking count, even if the reason for cancelling lies with one of them.
Type of trip and length of trip. A package holiday, separate tickets or rented accommodation each carry different cancellation charges and therefore a different risk.
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.
Can I cancel because my employer withdraws my holiday?
Only if the conditions expressly mention that situation, and most standard policies do not. What is usually covered is involuntary redundancy, or having to take up a job unexpectedly so that the trip becomes impossible. Leave that has been withdrawn generally falls outside it. Variants with wider grounds sometimes do have a provision for this.
Is cancelling because of the illness of a grandparent or parent-in-law covered?
That depends on the degree of family relationship named in the conditions. Virtually all policies cover serious illness or the death of a partner, children and parents. Grandparents, parents-in-law and siblings sometimes fall within a second degree and sometimes only in the event of death. Because this description differs from insurer to insurer, it is one of the points on which we set policies side by side.
Do I get money back if I have to go home halfway through?
Only if your policy includes curtailment cover. That reimburses the travel days you were unable to use, in proportion to the insured trip cost, and usually only on the same grounds that apply to cancellation. Without that cover you are left with the costs, even if the reason you went back was entirely unavoidable.
What if the tour operator cancels the trip?
Then your cancellation insurance does not come into play. With a package holiday the operator has to refund the trip cost, and in the event of bankruptcy the guarantee fund the operator belongs to steps in. Cancellation insurance only covers events on your side. We therefore always advise you to check whether your booking falls under a guarantee scheme before you buy cancellation cover.
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.
