Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Insurance for volunteers abroad via OOM
Voluntary work is unpaid but it is still work, and work activities are precisely the standard exclusion in an ordinary travel 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
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 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?
- 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.
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.
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
Frequently asked questions
This is what people ask us most.
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.
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.