Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
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.
- 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
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 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 OOM Verzekeringen?
The structure of the cover in three parts, with an overview per situation below.
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.
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.
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.
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
Frequently asked questions
This is what people ask us most.
Can I simply keep my Dutch health insurance?
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.
Every situation is different. For these situations we have a separate page.
Read more
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.