NH1816 · compared independently · advice from Finass
Road users' insurance through NH1816
Compulsory third-party liability insurance pays the other party's loss. This cover pays for your own injury, even where you caused the accident yourself or there was no other party at all.
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
The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) is about liability towards others. That means the driver who causes the accident has nobody to hold liable for their own injury. In a single-vehicle accident, a skid on a slippery road or a cyclist who comes off without another party involved, there is no liable party and therefore no compensation. Road users' insurance fills that gap.
The difference from accident insurance lies in the nature of the payment. An personal accident insurance pays an amount agreed in advance. This policy pays for the the loss actually suffered, such as loss of income, help in the home and damages for pain and suffering, and therefore falls under the indemnity principle of Article 7:960 of the Dutch Civil Code.
For employers this product is not a luxury either. The case law derives from Article 7:611 of the Dutch Civil Code that an employer has to arrange proper insurance for employees who take part in traffic in the course of their duties. Anyone sending out delivery riders, engineers or sales representatives is therefore also buying off their own liability with this cover.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your road users' insurance. We show what NH1816 and other insurers offer within it.
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 version with the market.
Repatriation in the event of death
Defence & legal costs
Dental costs
Cosmetic surgery
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.
The gap that third-party insurance leaves
The compulsory cover in Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays only for third parties' losses. The person who caused the accident is left out, and in a single-vehicle accident against a tree or a post there is no other party at all. Even where the liable party is uninsured or drives on, your own injury is left uncovered. This policy pays regardless of fault and therefore makes the question of fault irrelevant for your own loss.
Cover in every role in traffic
Unlike occupants insurance, which attaches to a particular vehicle, this cover follows the person. You are insured as a driver, as a passenger, on a bicycle, on foot and on public transport. For families that means children on their way to school fall under the same policy as the parent in the company car. Damage to items carried is usually insured as well.
Employers and proper insurance
In a road accident during working hours, Article 7:658 of the Dutch Civil Code offers little to go on, because the employer does not control the public road. The case law therefore places liability under Article 7:611 of the Dutch Civil Code: good employment practice requires proper insurance for employees who take part in traffic in the course of their work. If that is missing, the employer can be liable for exactly the amount the insurance would have paid.
What is excluded
The policy pays for personal injury and usually for damage to items carried, but not for repairing your own car: that is own-damage cover. The other party's loss also remains with the third-party liability insurer. Also outside the cover are accidents during speed events, driving without a valid licence, driving under the influence and intent, which under Article 7:952 of the Dutch Civil Code is excluded in any event.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Group of insured persons. Family cover is calculated differently from a business policy for a set number of employees.
Sum insured per event. Personal injury can run high. The maximum chosen per accident is the main basis of calculation.
Nature of the participation in traffic. Delivery services, field staff with high mileage and cycle couriers weigh more heavily than occasional commuting.
Number of people taking part. On a business policy the number of employees who take to the road is the basis for the premium.
Including damage to property. Cover for items carried and for damage to the vehicle itself are separate extensions.
Claims history. Earlier road accidents within the family or the business count in the acceptance and the rate.
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.
Accident insurance is a fixed-sum insurance: on death or permanent loss of function a fixed amount follows, whatever your actual loss. This policy pays for the loss as actually suffered, including loss of income and costs, and is limited to accidents in traffic. The two do not rule each other out, but cover a different part of the same consequence.
Am I covered if I cause the accident myself?
Yes, that is the heart of this product. The cover works regardless of fault, so it applies to a mistake of your own, to a skid or to a single-vehicle accident with no other party. Only intent and a few expressly named situations, such as driving under the influence or without a valid licence, remain outside the cover. That is precisely how this policy differs from third-party liability cover.
Do I have to arrange this as an employer?
If your employees take part in traffic in the course of their work, yes. From Article 7:611 of the Dutch Civil Code follows the obligation to arrange proper insurance for that group. If you do not and a member of staff is injured, you can be liable yourself for the loss that insurance would have covered. That also applies to employees delivering by bicycle.
Does the cover also apply cycling to work?
On the private version it does: that follows the person in every role in traffic, so also on a bicycle and on foot. On a business policy the question is whether commuting is insured as well or only traffic in the course of the employee's duties. That distinction is set out in the conditions and is decisive when a claim is assessed.
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.
