Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
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.
- 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
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 same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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Through Finass or direct with NH1816?
The structure of the cover in three parts, with an overview per situation below.
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.
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.
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.
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
Frequently asked questions
This is what people ask us most.
What is the difference from accident insurance?
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.
Every situation is different. For these situations we have a separate page.
Read more
Within Why we work with different insurers
Similar pages
- Personal accident insurance through NH1816 — compare & calculate your premium
- Liability insurance through NH1816 — compare & calculate your premium
- Bicycle insurance through NH1816 — compare & calculate your premium
- Traffic and holiday legal expenses insurance through NH1816 — compare & calculate your premium
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.