Nationale · compared independently · advice from Finass
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.
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
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.
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 single-trip travel 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.
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
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.
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 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.
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.
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