Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
OOM Verzekeringen · compared independently · advice from Finass
Agency workers, interns & volunteers through OOM
Once you live or work outside the Netherlands for a longer period, the first question in a conflict is not who is right, but which law applies and which court decides.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
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Deze pagina in het Nederlands: Uitzendkrachten, stagiairs & vrijwilligers via OOM — vergelijk & bereken premie.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
Legal expenses cover for people living or working internationally differs fundamentally from an ordinary family policy on one point: the cover is tied to an area of cover and to the legal systems the insurer can handle. A dispute with a landlord in Spain, an employer in Germany or a garage in France is judged under local law, usually by a lawyer on the spot whom the insurer instructs and pays.
That makes the policy relevant above all for expats, seconded employees, emigrants, students abroad and people staying temporarily in the Netherlands. What you still have running in the Netherlands counts too: a let property, a current employment contract or a pension matter remains under Dutch law, even if you are elsewhere.
Outside the cover are immigration proceedings, tax disputes involving several countries at once, disputes already running before departure, criminal cases involving an allegation of intent, and cases in countries the policy does not name.
Through Finass or direct with OOM Verzekeringen?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
- Employment law & staff
- Business premises (rented or owned)
- Public authorities & permits
- Recovery of traffic damage
Complete package
The most complete cover. We compare OOM's extended versions with the market.
- Free choice of lawyer in legal proceedings
- Tax law & tax disputes
- Administrative law
- Higher allowance for external costs
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 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.
Which law applies and which court has jurisdiction
In a cross-border conflict the preliminary question is always the same: under which law is it judged and which court will hear it. Contracts often contain a choice-of-law clause you did not read when signing. The answer determines whether the case can be run at all and at what cost. Have a contract assessed before you leave; afterwards the clause can no longer be changed.
An employment conflict on secondment or on a local contract
If you work abroad on a Dutch contract, Dutch employment law usually continues to apply. If you sign a local contract with a foreign entity, the law of that country applies, with different notice periods, different protection against dismissal and sometimes a compulsory step through a local body. Report an impending dismissal as early as possible, because deadlines in other countries are regularly shorter than here.
Your home in the Netherlands while you live elsewhere
Many seconded employees let their house during their time elsewhere. If that goes wrong, with rent arrears, damage or a tenant who will not leave, that is a dispute under Dutch law, but it does not automatically fall under a personal policy. Insurers often treat letting as a business activity. Ask for written confirmation in advance, and report the letting situation to your buildings insurer as well.
The lawyer on the spot, the language and the costs
In a case abroad the insurer rarely handles it itself; a local lawyer is instructed within the cost maximum in your conditions. Anything above that you pay yourself, and in countries where proceedings are expensive that ceiling is soon reached. With many policies, translation costs, travel costs and the cost of sworn documents count towards that same maximum, so ask about it in advance.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
- Country and region of stay — The cost of proceedings and how long cases take vary widely per country and set the basis.
- Length and nature of the stay — Temporary secondment, long-term expatriation and permanent emigration each have their own risk profile.
- Type of contract — A Dutch employment relationship, a local contract or self-employment leads to different kinds of dispute.
- Family members covered as well — An accompanying partner and children bring their own matters, such as school, housing and healthcare.
- Areas of law chosen — Traffic, home, work and consumer matters are added per module and do not automatically apply everywhere.
- Maximum for external costs — The ceiling for a local lawyer, translations and experts is decisive for the rate.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
Am I covered in the country where I now live?
Only if that country falls within the agreed area of cover. That area is on your policy schedule and is not worldwide as a matter of course. If you move to another country, report it before you leave. A move that has not been reported can mean a case falls outside the cover, even if the policy simply continues.
Is a lawyer on the spot paid for?
Yes, within the cost maximum in your conditions. As a rule the insurer instructs a local lawyer itself or approves your choice. With many policies the cost of translations and sworn documents falls within that same maximum. Arrange approval in advance, because a lawyer you instruct on your own initiative is by no means always reimbursed afterwards.
Is a dispute about my residence permit covered?
Usually not. Residence and immigration proceedings are excluded on most legal expenses policies, as are naturalisation and visa matters. For those you need a specialist lawyer whom you pay yourself. What can be covered is an employment or tenancy dispute running alongside the permit procedure, provided that area of law is included.
Does my cover continue if I emigrate permanently?
That depends on the form of the policy. Some covers are meant for a temporary stay and end as soon as you settle permanently elsewhere; others are made specifically for emigrants. Report your intention well before you leave, so that the policy can be converted rather than terminated. A gap between two policies means that matters under way fall under neither.
Read more
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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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.