OOM Verzekeringen · compared independently · advice from Finass
Insurance for digital nomads via OOM
A digital nomad is not travelling on holiday but working while travelling, and that word work is precisely the standard exclusion in an ordinary travel and liability policy.
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
Anyone moving from country to country without a fixed place of residence and working while doing so runs into two design faults. A travel policy assumes a trip from a home base to which you return. That base does not exist. And a personal liability insurance covers you expressly as a private individual, not in the exercise of a profession or business. Neither assumption still holds in a nomadic life.
Health insurance comes on top of that. If you deregister with your local authority, cover under the Health Insurance Act ends by operation of law. If you stay registered while in fact being away all year, the health insurer can establish afterwards that residence was lacking and terminate the policy retroactively. Nomad cover is therefore built as international medical insurance with travel elements, without requiring a home base.
With this type of cover, Finass looks above all at three points: how long you may stay in each country before it counts as settling there, how professional equipment is arranged, and where the line falls between private and professional liability. See also insurance when working abroad.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your digital nomad insurance. We show what OOM and other insurers offer within it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare OOM's extended version with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What we do
What we do
At Finass
Direct with OOM Verzekeringen
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 OOM Verzekeringen 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.
Professional equipment is not baggage
A laptop, camera, microphone and external drives are working tools to you, but baggage cover treats them as travel goods with a low maximum per item and often excludes business equipment altogether. What falls outside in any case: loss of files and the cost of recovering them, software failures, and equipment left unattended in a cafe or a shared workspace.
Private liability or professional liability
A personal liability insurance covers damage you cause as a private individual, with Article 6:162 of the Dutch Civil Code as its basis. A missed deadline, a bug in code, incorrect advice or a campaign that does not deliver what was promised is professional liability and falls entirely outside it. Pure financial loss suffered by a client is, moreover, a separate category for which you need professional indemnity insurance (BAV) or public and employers' liability insurance (AVB).
Medical care without a home base
Without cover under the Health Insurance Act, international medical cover is your only safety net, which makes how it is put together more important than the price. Look at the division into country groups in which the United States and Canada stand apart, at waiting periods at the start of the term, and at the provision that you may not stay in any one country longer than a set period without the insurer treating it as settling there.
What the policy does not arrange for you
Cover does not extend to visa requirements and work permits, your tax domicile, cyber risks and data breaches at clients, or the loss of your income if illness stops you working. The last of these is disability and belongs in a provision of its own; no travel or medical cover tops up your turnover during a period in which you cannot invoice.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Age. Determines expected use of medical care and with it the main weight of the premium under international medical cover.
Country group. An area of cover including the United States and Canada is clearly higher than worldwide excluding those countries.
Excess. With international policies, the excess is one of the few levers with which you genuinely steer the premium.
Cover for professional equipment. Insuring a laptop and equipment for business use is a separate module with its own limits.
Term and renewability. A policy that renews annually without fresh acceptance costs more than strictly temporary cover.
Medical underwriting. Pre-existing conditions lead to an exclusion, a waiting period or a loading on the premium.
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.
Only if you genuinely remain a resident. If you deregister, cover under the Health Insurance Act ends by operation of law. If you stay registered at an address where you do not live, you run the risk that the insurer terminates the policy afterwards and reclaims what it has paid. Basic health insurance also pays for foreign care only up to the Dutch tariff.
Is my laptop insured?
Not automatically. Equipment you use for your work falls under an exclusion for business items in many baggage covers, and otherwise under a low maximum per item. Loss of your files and the cost of recovering data are never covered. If you really want the equipment insured, that is a separate module.
Does the policy cover mistakes in my work?
No. Personal liability cover stops where your professional practice begins. A mistake in an assignment, a missed delivery or loss suffered by a client because your work was not up to standard falls under professional liability. If you work for clients who pay attention to this, you need separate business cover for it.
What if I end up staying somewhere longer?
You then run into the residence provision. Most international policies state a maximum uninterrupted period per country. If you stay longer, the insurer sees that as settling there and cover can end at that point. Report it in advance if a stay overruns, so that the term or the area of cover can be adjusted.
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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