Basic cover
- Luggage & travel documents abroad
- SOS emergency assistance centre
- Money & payment cards while travelling
- Help in case of illness or accident
Single-trip travel insurance through Nationale-Nederlanden
Single-trip travel insurance covers exactly one trip, with a start and end date fixed in advance; once the trip has begun, no further cover can be bought.
- 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
With this product you buy a defined period. You give the departure date and the return date, you pay a premium per day or per trip, and the cover applies only between those two moments. That makes the policy suitable for anyone who goes away once or twice a year, but it also makes it unforgiving in its administration: a wrong date means an uninsured day.
You can only insure something while the event is still uncertain. A travel policy you try to take out while you are already on your way or already at your destination is therefore not an option. Extending during the trip is usually only possible if circumstances beyond your control prevent you from returning and you report this in advance.
If you travel more than twice a year, the sum tips over and a continuous travel insurance is usually cheaper and more convenient. We work out that tipping point for you and compare the cover itself as well, because a single-trip policy is not automatically narrower than an annual contract.
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?
- Number of insured travel days. The premium is calculated per day, so every day you include counts directly.
- Destination. A trip within Europe is cheaper to insure than a destination with high medical costs.
- Number of people travelling with you. Every traveller on the policy counts; children sometimes attract a different rate.
- Including medical expenses in the cover. For distant destinations this module is the largest item. For European trips it is often needed only to a limited extent.
- Winter sports or special sports. With a single-trip policy you pay that surcharge only for the days of that one trip.
- Sum insured for luggage and excess. A higher sum insured for luggage raises the premium. A higher excess per event lowers it.
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.
Take out cover before departure, not on the way
Insurance presumes an uncertain event. If you are already on the plane or at your destination, departure is no longer uncertain and no insurer will accept the application. Retrospective cover does not exist with this product. If you only notice at the airport that you are uninsured, the only route is a policy with a start date in the future, which does not cover the trip already under way.
The insured period must cover the whole trip
Cover runs from the moment you leave your home address until you return there, including the outward and return journey. If you book a flight that lands after midnight, or drive to the airport a day early, count those days in. A policy that is one day too short leaves you uninsured at precisely the moment when delays, extra overnight stays and missed connections occur.
Extension is only possible in cases beyond your control
If a strike, a natural disaster, a stay in hospital or the failure of transport prevents you from returning on time, most policies extend the cover by the length of that delay. The condition is that you call the emergency assistance centre and obtain permission. If you decide yourself to stay a week longer because you are enjoying it, that extra period is not covered and no retrospective extension is possible.
What is not included
Cancellation is a separate cover which you have to take out shortly after booking. If you forget, it cannot be added to a single-trip travel policy later. Beyond that, stays for paid work or manual labour, travel to areas with negative travel advice, and winter sports or diving without the relevant module remain outside the cover. Report a claim in good time; Article 7:941 of the Dutch Civil Code attaches consequences to a late notification.
Worldwide assistance
Cancellation
Frequently asked questions
This is what people ask us most.
Can I still take out the insurance once I am on holiday?
No. The trip has then begun and the event is no longer uncertain, so insurers will not accept the application. Even a policy starting tomorrow does not cover the current trip. If you find that you have travelled uninsured, the most you can do is arrange cover for a future trip. For the present one you have to fall back on your health insurance and the carrier.
Do I get a refund if I come home early?
As a rule, no. The premium is calculated over the period you stated and the cover was available throughout that period. Only if the trip has not yet started and you end the policy within the cooling-off period or before the start date is a refund usual. Check the provision on early termination before you book.
Do I have to count the day of departure and the day of return?
Yes, both. Cover begins when you leave your home address and ends when you return there, so travel days must fall within the insured period. If your flight lands after midnight, that arrival falls on the next calendar day and you need that day as well. One extra day costs little and prevents a gap.
When is a continuous policy cheaper?
Roughly as soon as you make more than two trips a year or regularly book short breaks. Besides the price, convenience matters: with an annual contract you cannot forget a date. If you make a single long trip, a single-trip policy is often better, because a continuous policy has a maximum uninterrupted trip length that can cut such a trip short.
Every situation is different. For these situations we have a separate page.
Read more
Within Reisverzekering
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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.