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 traffic and holiday combination covers two clearly defined kinds of conflict. The first is recovering your loss after a road accident, whether you are involved as a driver, passenger, cyclist or pedestrian. The second is disputes arising during a trip or stay, for instance with a tour operator, an accommodation provider or a car hire company abroad.
Anything beyond that is not included. A conflict with your employer, a neighbour dispute, a dispute about your home, a purchase from an online shop or a tax matter falls under other modules of a legal expenses insurance. Business disputes are also excluded; there is a business legal expenses insurancefor those. So we always compare this NH1816 module in the light of what else you already have insured.
The right of recovery itself rests on Article 6:162 of the Dutch Civil Code: the other party is liable and you claim your loss. What this cover adds is that someone establishes the liability on your behalf, has the injury assessed and litigates if necessary. With injury and lost income in particular, that process soon runs for years, and then who does the work matters more than who is right.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your traffic and holiday legal expenses insurance. We show what NH1816 and other insurers offer within it.
Fire & lightning strike
Storm & precipitation
Explosion & induction & implosion
Smoke & soot damage
Extended cover
As well as the basic cover, also protection against damage to your holiday home from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Water damage & leaks
Glass breakage
Comprehensive cover
The most complete cover. We compare NH1816's extended version with the market.
Hail damage
Damage through your own fault
Rebuilding at rebuild value
Unknown party at fault
What is covered
Situation
Basic
Extended
Dispute with a contractor about work on your home
Yes
Yes
Recovering damages for personal injury after a collision
Yes
Yes
Employment dispute or dismissal
Provided that
Yes
Dispute about a purchase or a delivery
Yes
Yes
Tax dispute or dispute about assets
No
Provided that
A dispute that was already running before the start date
No
No
Legal expenses insurance has a waiting period after the policy starts and a threshold: a case is not taken on below a certain financial interest. If the case goes to court, you have a free choice of lawyer. A dispute whose cause already existed when you took out the insurance is excluded.
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.
Traffic is wider than your own car
Traffic cover follows the person and not the vehicle. You are usually covered as a cyclist, pedestrian, passenger in someone else's car or driver of a hire car as well. That is the difference from the limited recovery service included with many car insurance, because that is tied to the insured registration number. If your child is injured while cycling by a car driver, that is a traffic case within this module.
The moment of the event decides everything
Legal expenses insurance covers conflicts arising during the term. A dispute already running when the policy was taken out, or whose cause you could reasonably see coming, is excluded. There is often also a waiting period for cases that do not arise from a sudden event. A collision usually falls outside that because the date is fixed, but a simmering dispute about a cancelled trip can come unstuck on it.
Free choice of lawyer applies from the proceedings onwards
As long as the case is handled out of court, the legal expenses provider's lawyer does the work. As soon as court or administrative proceedings follow, you may choose your own lawyer. There is, however, a maximum set out in the policy for the reimbursement of external costs, and that maximum varies widely per insurer. Ask for it before you choose, because in an injury case running for years that ceiling is where the pressure comes.
What the module does not do
Fines, financial penalties and the consequences of driving under the influence remain at your expense; intent and deliberate recklessness are excluded. Disputes with an opponent who has no means are also not treated as having a reasonable chance. A case that in the insurer's judgement has no reasonable prospect of success is refused. A disputes procedure with an independent second opinion is open against that. Report a case in good time under Article 7:941 of the Dutch Civil Code.
Burglary & vacancy
Letting
What does your premium depend on?
Modules chosen. Traffic and holidays only is considerably more limited, and therefore priced differently, than full family cover.
Household composition. A single person, a family with children living at home and several drivers give a different number of insured persons.
Area of cover. Limiting cover to Europe or extending it worldwide is the decisive choice for the holiday part.
Cost ceiling for external legal help. The level of the ceiling for a lawyer of your own choosing feeds through into the rate.
Own contribution for external assistance. An own contribution when an external lawyer is instructed brings the premium down but increases what you put in yourself.
How your package is put together. Whether the module stands alone or is placed within an existing package affects how the price is built up.
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.
I already have a recovery service on my motor policy. Does this add anything?
Yes, on two points. The recovery service on a motor policy is tied to the insured registration number and is often limited to straightforward property damage. This module follows the person and covers you as a cyclist, pedestrian or passenger as well, and continues into injury cases and prosecutions after an accident. We look at the overlap so that you do not pay twice for the same thing.
Am I also covered if my child is hit while cycling?
If your child is an insured person on the policy, that falls under the traffic cover. The legal expenses provider establishes the driver's liability under Article 6:162 of the Dutch Civil Code and recovers the loss, including injury, missed school days and future costs. Do check whether children living at home and children studying away are insured on your policy; that differs per insurer.
May I choose my own lawyer?
As soon as court or administrative proceedings are brought, you may. If the case stays out of court, the legal expenses provider's lawyer handles the file. For a lawyer of your own choosing there is a cost maximum set out in the policy, and that ceiling varies widely. Ask for the amount in advance and take it into account, because in long-running injury cases this is where the pressure comes.
Does the cover apply to a dispute with a tour operator?
That is exactly what the holiday part is for: conflicts about a booked trip, accommodation that is not what was promised or a hire car abroad. The condition is that the dispute arises during the term and was not already foreseeable when the policy was taken out. Watch the area of cover as well, because outside Europe cover is not a given.
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.
