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
A construction project, farming, care work, teaching or nature conservation involves physical labour: tools, ladders, scaffolding, machinery, animals, and often a location far from a hospital. Travel policies exclude manual labour and work with machinery as standard unless it has been notified and accepted in advance. The fact that you are not paid for it makes no difference. The insurer looks at the nature of the activity, not at the reward.
Above that lies the position of the sending organisation. Article 7:658(4) of the Dutch Civil Code extends employer's liability to persons who perform work outside an employment relationship in the course of another party's business, and Article 6:170 DCC places damage caused by a subordinate to third parties with the party under whose authority the work was done. The organisation's policy and your own cover must fit together, otherwise each will point to the other.
Finass therefore first assesses what exactly you are going to do and where, and only then which policy fits. For travel without a work component, the range under insurance for travelling.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your insurance for volunteers abroad. 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.
Report the work activities before departure
Describe specifically what you are going to do: bricklaying, carpentry, roofing, caring for animals, teaching, nursing. Manual labour, working at height and working with machinery fall outside cover if not notified. If you are injured during that work, it is an excluded event and not only the reimbursement of medical costs lapses but also any payment under personal accident cover.
Medical care far from a hospital
The largest cost item is rarely the treatment but the transport to it: over unpaved roads, by boat or by helicopter to a town with a suitable hospital, sometimes across the border. Make sure the emergency assistance centre can give authorisation in advance and that medical evacuation to a neighbouring country is expressly covered, because local facilities are not always adequate.
Travel advice and areas
Policies exclude loss or injury arising in areas subject to orange or red travel advice from the Dutch Ministry of Foreign Affairs, and events caused by acts of war, insurrection and terrorism. If the advice changes while you are already there, a short period generally applies within which you can leave with cover intact. If you then stay on, cover lapses for everything that happens afterwards.
Liability during the project
Damage to the building you are working on or to borrowed tools falls under care, custody and control and is often excluded under personal liability cover. Medical or nursing acts by someone not locally qualified to perform them fall outside all cover, however well intended. Damage caused by driving a vehicle without a valid licence for that category is also excluded.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Destination and travel advice. Countries with a heightened risk or limited medical infrastructure weigh heavily in the assessment.
Length of stay. A project of a few weeks is calculated differently from a posting of a year.
Nature of the work. Teaching weighs less heavily than building, roofing or working with machinery and livestock.
Age. Determines both the expected use of medical care and acceptance for physically demanding projects.
Modules chosen. Personal accident, liability, legal expenses and baggage are separate building blocks.
Evacuation and repatriation. Including these weighs more heavily the more remote the project is.
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 only receive board and lodging. Does that count as working?
Yes. An insurer looks at what you actually do, not at what you get in return. Bricklaying, roofing or operating machinery is manual labour, whether the reward is wages or a bed and three meals. Report the work in advance and have it recorded that it has been accepted; otherwise an accident during the work is not covered.
What happens if the travel advice changes while I am there?
You are usually given a short period to leave the area with cover intact. That period is stated in the conditions. If you then stay on, cover lapses for everything that happens afterwards, including evacuation. Follow the advice of the Ministry of Foreign Affairs and contact the emergency assistance centre as soon as advice changes.
Am I covered if I am injured on the construction project?
Only if the work has been notified and insured in advance. Without that notification, working with tools, at height or with machinery is an excluded activity, and both the reimbursement of medical costs and the personal accident benefit fall away. Also ask the sending organisation what cover it has arranged for volunteers itself.
Does the sending organisation not already arrange this?
Often in part. Many organisations have group cover, but it is frequently limited to personal accident and liability during the project activities. Travel days, free weekends, baggage and care outside the project then fall outside it. Ask for their policy schedule, set it alongside your own cover and top up only what is genuinely missing.
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.
