NH1816 · compared independently · advice from Finass
Personal accident insurance through NH1816
A private personal accident policy rarely stands alone: a partner and children are on the policy too, and the cover often overlaps with what is already in your motor policy, your travel policy or an arrangement through your employer.
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 the first question is not what is covered, but who. The definition in the conditions decides whether your partner counts without a cohabitation contract, whether a child living in student accommodation is still insured and how shared parenting works out. If your household changes, the circle of insured persons changes with it, but only if you report it.
The second question is that of stacking. Many families have personal accident cover in more than one place: occupants' accident and damage insurance on the car, a personal accident section in the travel insurance, a road users' insurance and sometimes a group arrangement through work. Fixed-sum policies pay alongside each other. With indemnity insurance, Article 7:960 of the Dutch Civil Code prevents you from being paid twice for the same loss.
We therefore first set out your existing policies and only then look at premium. At NH1816 and at other providers we mainly compare the definition of family members, the age bands applied to the payment and whether the cover continues when a child goes to study or leaves home.
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 NH1816 and other insurers offer here.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
Extended cover
As well as cover during work, also 24-hour cover (7 days) (available as an extension) and higher benefits.
24-hour cover (7 days) (available as an extension)
Retraining (up to € 10.000)
Adaptations to the workplace, car & home
Interns & visitors covered as well
Complete package
The most complete cover. We compare NH1816's extended versions with the market.
Repatriation in the event of death
Defence & legal costs
Dental costs
Cosmetic surgery
What is covered
Situation
Basic
With extension
Permanent disability after an accident
Yes
Yes
Death caused by an accident
Yes
Yes
Incapacity for work due to illness
No
Provided that
Continued payment of wages during sickness absence
No
Provided that
Reintegration and guidance
Provided that
Yes
Complaints that already existed when the policy was taken out
No
No
With accident and income cover, the definition of «accident» or «incapacity for work» determines what is paid out, together with the waiting period, the end age and the occupational profile. A condition that already existed or was known when the policy was taken out is usually excluded; non-disclosure can affect the payout (Articles 7:928 and 7:930 of the Dutch Civil Code).
What we do
What we do
At Finass
Direct with NH1816
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 NH1816 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.
Who is insured is set out in the definitions
A family policy generally names the policyholder, the partner he lives with on a lasting basis and the children living at home. The arguments arise around that core: the child in student accommodation, the child who is with you every other week after a divorce, a foster or step-child, a parent living with you. Some policies continue to cover student children living away, others do not. Read that passage before you sign.
Age changes the payment, not just the premium
For young children and for insured persons above a certain age, most policies apply a scale: the amount paid on death or permanent disability is then lower than the sum stated on the policy schedule. For very young children the death cover is often limited to funeral costs. Which age limits apply differs by insurer and is rarely visible in a premium comparison.
Insured twice without knowing it
Occupants' accident and damage insurance pays the actual loss of the occupants and falls under the principle of indemnity in Article 7:960 of the Dutch Civil Code: being paid twice is not possible there. This personal accident insurance, by contrast, pays a fixed amount and stands apart from it. For you that means the two may exist side by side, but you are paying premium twice for partly the same risk. We map that overlap.
What is excluded
Not covered are illness and conditions without an accident, complications from a planned medical procedure, injury while taking part in speed competitions and injury while driving a vehicle for which you held no valid licence. Injury sustained during a criminal offence or under the influence also goes unpaid. Report an accident in good time as well: Article 7:941 of the Dutch Civil Code attaches consequences to a report that comes so late that the insurer is prejudiced by it.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Composition of the household. A policy for a single person, a two-person policy and a family policy with children each have their own rate.
Sums insured per person. Each insured person has their own amount for death and for permanent disability. That choice weighs heaviest.
Age of the insured persons. The age of the oldest insured person often sets the premium class and sometimes a maximum final age.
Occupation or part-time job of the insured persons. A part-time job in construction or hospitality counts differently from study or office work, including for children who are included.
Inclusion in a household package. If the cover runs with your buildings and home contents policy, a package discount and a joint renewal date often apply.
Sports within the family. Motorsport, climbing, diving and combat sports practised by one of the insured lead to an additional premium or an exclusion for that person.
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.
Does my child stay covered when moving into student accommodation?
That depends on the description in your conditions. Some policies continue to cover children living away for as long as they are studying and unmarried; others end the cover as soon as the child is no longer registered at your address. Always report a move, therefore. It is a change that affects the circle of insured persons and cannot be left unspoken.
I already have occupants' accident and damage insurance. Does that make this policy unnecessary?
Not necessarily, but the overlap is considerable. Occupants' insurance works only in and around the car and pays the actual loss. This policy applies twenty-four hours a day and pays a fixed amount, including after a fall down the stairs or a cycling accident. We look at which of the two really closes the gap in your situation.
Do I have to report a divorce or a new child?
Yes. The policy insures people, not an address. A birth, a new partner or a divorce immediately changes who is insured and for what sum. If you do not report it, a payment for someone who is formally no longer an insured person may not be made. The same duty to report applies if an insured person takes up a higher-risk occupation or sport.
Does the cover apply at school and on holiday?
Under twenty-four-hour cover, yes: it applies regardless of place and activity, and therefore during PE, in the playground or on holiday abroad. If you choose a limited version, the cover applies only during work and commuting. For medical costs abroad you also need travel insurance; that payment stands apart from this one.
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.
