Everything you need to know about Cancellation Insurance

Introduction

Cancellation insurance can save you a lot of financial worries if you have to cancel or end your trip early. Whether it concerns illness, death in the family, or other unforeseen circumstances, cancellation insurance offers important protection. In this blog we delve deeper into what cancellation insurance entails, when it comes in handy and what you should pay attention to when choosing the right coverage.

1. What is Cancellation Insurance?

Cancellation insurance covers the costs of a trip that you cannot make or have to cancel prematurely. This may involve:

• Cancellation costs: Reimbursement of the travel sum or part thereof.

• Interruption costs: Coverage of unused vacation days if you have to end your trip early.

2. What is Covered by Cancellation Insurance?

1. Personal circumstances:

   • Illness, accident or death of yourself or an immediate family member or travel companion.

   • Pregnancy complications or a medical indication.

2. Family circumstances:

   • Death, serious illness or accident of a family member in the first or second degree.

3. Work-related reasons:

   • Unexpected dismissal.

   • Getting a new job with obligations during your planned trip.

4. Unforeseen events:

   • Damage to your home due to fire or burglary.

   • Important events such as an unexpected call for a medical procedure.

5. Optional additional coverage:

   • Coverage for cancellation due to, for example, a natural disaster at your destination.

   • Coverage for composite trips (flights and accommodations booked separately).

3. How does cancellation insurance work?

1. Take out the insurance immediately:

   • It is important to take out cancellation insurance immediately when booking your trip. This prevents unforeseen circumstances that occur before the effective date from not being covered.

2. Declare your costs in case of cancellation:

   • If your trip is canceled, you can file a claim with your insurer. Make sure you have all relevant documents such as cancellation confirmations, medical certificates and booking invoices at hand.

3. Please note the maximum reimbursement:

   • Always check the maximum amount that will be reimbursed. This may vary per insurer.

4. What are the Exclusions?

Although cancellation insurance offers extensive coverage, there are also situations that are often not covered:

• Traveling to risk areas: Cancellation due to negative travel advice may be excluded.

• Pre-existing conditions: Medical conditions that were already known when taking out the insurance.

• Own negligence: For example, if you forget to arrange necessary visas or documents.

• Uninsured traveling companions: If a traveling companion without cancellation insurance has to cancel, your insurance cannot cover this.

5. Different Types of Cancellation Insurance

1. Short-term cancellation insurance:

   • Specific for a one-way trip.

   • Ideal for occasional travellers.

2. Continuous cancellation insurance:

   • Covers several trips per year.

   • Convenient for frequent travelers.

3. All-risk cancellation insurance:

   • Coverage for virtually any reason for cancellation, including personal reasons such as breaking up a relationship.

   • Usually higher premiums, but extensive flexibility.

6. Why do you choose Cancellation Insurance through Finass Verzekert?

1. Expert advice:

   • Finass Verzekert helps you choose the right cancellation insurance, tailored to your travel plans.

2. Collaboration with top insurers:

   • Renowned partners such as Allianz and Hiscox ensure reliable coverage and fast claims handling.

3. Custom options:

   • Choose from additional modules for extra security, such as cover for composite trips or natural disasters.

4. Peace of mind:

   • By taking out good insurance, you can make plans for your next trip without any worries.

Conclusion

Cancellation insurance is an indispensable addition to your travel insurance. It protects you against high costs and provides security if your trip does not go according to plan. At Finass Verzekert you can count on expert advice and insurance that fully meets your needs. Contact us for more information and enjoy worry-free travel preparations.

Everything you need to know about Travel Insurance Coverage

Introduction

Travel insurance offers peace of mind during your holiday or business trip. But do you know exactly what is covered? From medical costs to lost luggage and cancellation costs – good travel insurance covers a wide range of risks. In this blog we explain what coverage travel insurance offers, what you should pay attention to when choosing a policy and how you can avoid being uninsured.

1. What does Travel Insurance cover?

Travel insurance usually consists of different coverage modules. Here are the most important:

1. Medical costs

   • What is covered?

     • Unexpected medical costs abroad.

     • Hospital admissions, doctor visits and medications.

   • NB:

     • Many insurance policies only cover costs that are not reimbursed by your health insurance.

2. Baggage coverage

   • What is covered?

     • Loss, theft or damage to luggage.

     • Often also cover for valuables such as laptops or cameras.

   • Tips:

     • Check the maximum reimbursement per item.

     • Keep proof of purchase of valuables.

3. Cancellation insurance

   • What is covered?

     • Costs of a canceled or prematurely terminated trip due to unforeseen circumstances.

     • For example, illness, death of a family member or loss of work.

   • Important:

     • Often the reason for cancellation must meet specific conditions.

4. Accident insurance

   • What is covered?

     • Benefits in the event of permanent disability or death due to an accident during the trip.

5. Legal counsel

   • What is covered?

     • Legal support in case of disputes during the trip, for example with a hotel or travel organization.

6. Winter Sports and Adventure Activities

   • What is covered?

     • Accidents and damage during winter sports or extreme sports.

   • NB:

     • An additional module is often required for these activities.

7. Breakdown Assistance or Vehicle Coverage

   • What is covered?

     • Costs for breakdown assistance with your vehicle abroad.

     • Replacement transport if necessary.

2. How do you choose the right coverage?

1. Analyze your travel plans:

   • Are you going on an active holiday, business trip or family holiday? Choose coverage that suits your type of trip.

2. Check your existing insurance:

   • Sometimes certain risks are already covered by other insurance policies, such as your health insurance or credit card.

3. Compare coverage options:

   • Look at the maximum reimbursements and specific conditions.

4. Choose a continuous or short-term insurance policy:

   • Do you travel more often per year? Then a continuous insurance policy is often cheaper.

3. What Are Common Exclusions?

1. Traveling to risk areas:

   • Damage in areas with negative travel advice is often not covered.

2. Overdue medical costs:

   • Costs for existing medical conditions are usually excluded, unless otherwise agreed.

3. Careless behavior:

   • Damage caused by negligence, such as items left unattended, is often not reimbursed.

4. Uninsured activities:

   • Extremely risky activities without additional coverage.

4. Why Choose Travel Insurance through Finass Verzekert?

1. Customized policies:

   • Finass Verzekert offers insurance that fully meets your travel needs.

2. Collaboration with renowned insurers:

   • Reputable parties such as Allianz and Hiscox guarantee reliable coverage.

3. Excellent customer service:

   • Expert help in choosing the right coverage and fast claims handling.

4. Flexible options:

   • Choose from extensive modules, such as winter sports coverage or worldwide coverage.

Conclusion

Travel insurance is indispensable for a carefree holiday. By choosing insurance through Finass Verzekert, you can be sure that you will receive coverage that suits your travel plans. Contact us for expert advice and put together your ideal travel insurance.

Private Insurance at Finass Verzekert: Your Customized Protection

Introduction

As a private individual, you want to be sure that you are properly insured against unexpected events. Whether it concerns your home, your car, or your valuables, good insurance gives you the assurance that you are protected. Finass Verzekert offers a wide range of private insurance policies, tailored to your specific needs. Thanks to partnerships with renowned insurers such as Allianz, Hiscox and Nationale-Nederlanden, Finass offers high-quality and reliable solutions. In this blog we discuss the various private insurance policies that Finass offers and the benefits of customization.

1. What are Private Insurance?

Private insurance offers protection against risks that you may encounter as an individual. Consider:

• Home insurance: Protection of your home and contents.

• Car insurance: Coverage for damage to your vehicle and liability.

• Travel insurance: Worldwide coverage during holidays.

• Valuables insurance: Protection of valuable assets such as jewelry and art.

2. Finass Insures Private Insurance

1. Home insurance

   • What is covered?

     • Damage to your home due to fire, storm, and burglary.

     • Coverage for contents, glass breakage and water damage.

   • Advantages:

     • Possibility of extensive coverage for outbuildings and garden furnishings.

     • Flexible solutions for tenants and homeowners.

2. Car insurance

   • What is covered?

     • Damage to your vehicle due to collisions, theft or vandalism.

     • Liability for damage to third parties.

   • Advantages:

     • Choose from WA, WA+ or Allrisk coverage.

     • Possibility of alternative transport and breakdown assistance.

3. Travel insurance

   • What is covered?

     • Medical costs, loss of luggage and cancellations.

   • Advantages:

     • Worldwide coverage, including winter sports and adventure travel.

     • Possibility of continuous travel insurance for frequent travelers.

4. Valuables insurance

   • What is covered?

     • Theft, loss or damage to jewelry, watches, and works of art.

   • Advantages:

     • Worldwide coverage.

     • Specialist support for damage to unique objects.

5. Liability insurance

   • What is covered?

     • Damage that you as a private individual cause to third parties.

   • Advantages:

     • High coverage limits for both material and personal injury.

     • Suitable for families and individuals.

3. Why Choose Finass Insures?

1. Custom solutions:

   • Finass Verzekert offers insurance that is fully tailored to your situation and lifestyle.

2. Expert advice:

   • The Finass team will help you choose the best insurance and ensure you understand what is covered.

3. Fast claims handling:

   • Claims are handled efficiently and without hassle, so you can move on quickly.

4. Benefits of Private Insurance with Finass

1. Complete offer:

   • From home insurance to travel insurance, everything under one roof.

2. Flexible terms:

   • Insurance can be adapted to your wishes and situation.

3. Preventive advice:

   • Finass helps you minimize risks, for example through security advice for your home.

4. Reliable service:

   • Finass is always ready to answer questions or provide support.

5. How do you choose the right private insurance?

1. Take stock of your needs:

   • Which risks do you want to cover?

2. Ask for advice:

   • Let Finass Insures help you put together an insurance package.

3. Compare policies:

   • Look at the conditions and benefits of different providers.

4. Update your insurance regularly:

   • Make sure that your policy continues to adapt to changes in your life, such as a move or family expansion.

Conclusion

Finass Verzekert's private insurance policies offer protection and peace of mind for every situation. Thanks to tailor-made solutions and collaboration with renowned insurers, you are assured of excellent coverage. Contact us for expert advice and discover how Finass can make your life easier and safer.

Business Insurance at Finass Verzekert: Customized for Your Company

Introduction

Every entrepreneur knows that running a business involves risks. Whether you are a small self-employed person, run a medium-sized company, or lead an international organization, good business insurance is essential to protect your company against unexpected events. Finass Verzekert offers a wide range of business insurance policies, tailored to the specific needs of your company. In this blog we discuss the different business insurance policies, the benefits of customization and cooperation with renowned insurers.

1. What is Business Insurance?

Business insurance protects companies against risks arising from their business operations. These insurance policies can provide coverage for:

• Damage to property: For example due to fire, storm or burglary.

• Liability: Protection against third party claims.

• Business damage: Loss of income due to an unexpected event.

• Specific risks: For example cyber attacks, transport or professional errors.

2. Finass Insures Business Insurance

1. Business liability insurance

   • What is covered?

     • Third party claims for damage to persons or property.

   • Suitable for whom?

     • Entrepreneurs in all sectors who are at risk of liability claims.

   • Advantages:

     • Protection against high costs of legal proceedings.

     • Coverage for damage caused by employees.

2. Business premises insurance

   • What is covered?

     • Damage to commercial buildings due to fire, storm, or burglary.

   • Suitable for whom?

     • Owners of business premises, offices or warehouses.

   • Advantages:

     • Optional coverage for outbuildings and inventory.

     • Protection against natural disasters such as hail or floods.

3. Business interruption insurance

   • What is covered?

     • Loss of income due to downtime after an insured event.

   • Suitable for whom?

     • Companies that depend on constant business operations.

   • Advantages:

     • Financial safety net to continue after unexpected downtime.

     • Coverage for fixed costs such as rent and personnel.

4. Cyber ​​insurance

   • What is covered?

     • Damage caused by cyber attacks, data leaks or system failure.

   • Suitable for whom?

     • Companies that work with sensitive data or depend on IT systems.

   • Advantages:

     • Global coverage for cyber incidents.

     • Support in the recovery of systems and reputational damage.

5. Professional liability insurance

   • What is covered?

     • Errors or omissions that cause financial damage to customers.

   • Suitable for whom?

     • Consultants, accountants, architects and other professionals.

   • Advantages:

     • Coverage for high claims due to professional misconduct.

     • Protection against legal costs.

3. Why Choose Finass Insures?

1. Custom solutions:

   • Finass Verzekert offers insurance that fully meets the specific risks of your company.

2. Expert advice:

   • The Finass Verzekert team helps you identify risks and choose the right coverage.

3. Collaboration with top insurers:

   • Finass works with renowned insurers such as Allianz, ASR and Nationale-Nederlanden.

4. Fast claims handling:

   • Thanks to the collaboration with strong partners, claims are processed quickly and smoothly.

4. Benefits of Business Insurance with Finass

1. Broad coverage:

   • Protection against a wide range of risks, from fire to cyber attacks.

2. Flexible terms:

   • Insurance can be adapted to the growth and changes of your company.

3. Peace of mind:

   • You can fully focus on your business, knowing that you are well protected.

4. Proactive support:

   • Finass Verzekert offers preventive advice to limit risks.

5. How do you choose the right business insurance?

1. Analyze your risks:

   • Which risks pose the greatest threat to your business?

2. Ask for advice:

   • Have Finass Verzekert carry out a personal risk analysis.

3. Compare policies:

   • Look at the conditions and premiums of different providers.

4. Update your insurance regularly:

   • Make sure your policy continues to reflect changes within your company.

Conclusion

Business insurance is indispensable for every company, regardless of size or industry. Finass Verzekert offers tailor-made solutions that protect your company against unexpected risks. Contact us for expert advice and discover how you can optimally insure your company.