Medical care and repatriation
- On top of the basic health insurance
- Transport to the Netherlands
- Emergency assistance centre day and night
- Flying out a replacement
Transport and business travel: staff and goods on the move
Anyone sending staff out on the road or abroad insures two things separately: the load and the people. Business travel insurance is about the people and about everything they have with them.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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 activities
- 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
In the transport and logistics sector part of the workforce is permanently on the road: drivers, planners visiting a customer, engineers called out to a breakdown. For the cargo there is goods in transit or own-account transport insurance; for the people there is business travel insurance. The two do not merge: damage to the freight is never paid for on a travel policy, and a driver's personal luggage is never paid for on a transit policy.
Business travel cover consists in essence of medical expenses and repatriation, luggage and business equipment, extraordinary costs such as a longer stay or an early return, and often a personal accident cover. The element that is most often underestimated is the emergency assistance centre: repatriation by air ambulance or flying out a replacement driver costs more than years of premium.
Watch the boundary with the private policy. An employee's continuous travel insurance covers holidays, and regularly excludes work other than office and desk work. Physical work abroad (loading, unloading, assembling) therefore falls outside it. See also business travel and transport and logistics.
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What does business travel insurance cover?
The cover divides into medical assistance, the belongings taken along and the costs a disrupted trip brings with it.
Baggage and equipment
Personal luggage and business items the employee takes along.
- Clothing and personal luggage
- Laptop, phone and measuring equipment
- Tools only if listed
- Theft from a vehicle with restrictions
Extraordinary expenses
Extra costs where the trip does not go as planned.
- A longer stay because of illness
- An early return in an emergency
- Search and recovery
- Cancellation only if insured
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Emergency medical expenses abroad | Yes | Yes |
| Repatriation after an accident | Yes | Yes |
| Theft of a laptop from the cab | Provided that | Provided that |
| Company tools and measuring equipment | No | Provided that |
| Damage to or loss of the freight carried | No | No |
| A trip to an area with a negative travel advisory | No | Provided that |
The area of cover, the limits per section and the requirements about leaving belongings in a vehicle are set out in the policy conditions and on the policy schedule.
What does your premium depend on?
- Area of travel. Europe or worldwide
- Number of days travelling: the usual basis for calculation
- Nature of the work on the road: office work or physical labour
- Equipment covered: laptops and measuring instruments
- Sections chosen: accidents, cancellation, legal expenses
- Claims history: earlier claims on the road
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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 determine whether a loss on the road is paid for.
The load is never covered here
Business travel insurance covers people and their luggage. Goods carried fall under goods in transit or own-account transport insurance, and liability as a carrier under CMR cover. Anyone who confuses the two only discovers it when there is a claim. For each journey, also check what counts as luggage: tools, samples and trade goods are expressly not treated as luggage on most travel policies.
Health insurance stops sooner than you think
The Dutch basic health insurance pays for care abroad up to the Dutch rate at most. In countries with high healthcare costs a considerable amount is left over at your own expense, and repatriation is not paid for by the basic health insurance at all. It is precisely those two items that the business travel policy covers, together with an emergency assistance centre that arranges the hospital and guarantees payment.
What is not included
Outside the cover are, among other things: loss while travelling to areas subject to a negative travel advice, luggage left unattended, and belongings left visible in a vehicle, costs arising from pre-existing medical conditions for which treatment during the trip was foreseeable, and loss caused by excessive use of alcohol or drugs. Intent and recklessness are excluded under Article 7:952 of the Dutch Civil Code. Fines, costs arising from confiscated documents and pure delay losses generally also remain outside the policy.
Report through the emergency assistance centre, not afterwards
For a hospital admission, repatriation or an early return the emergency assistance centre has to give approval in advance; costs you arrange yourself are often not paid or paid only in part. Also report a loss as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code). In the event of theft, a a police report locally is almost always a condition. What you stated at the start about the area of travel and the work involved falls under Article 7:928 of the Dutch Civil Code; an incorrect picture can cost you the payment through Article 7:930 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
Is the load insured on a business travel insurance?
No. Goods carried fall under goods in transit insurance or, where you carry your own property, under own-account transport insurance. Liability as a professional carrier runs through CMR cover. The business travel policy insures only the traveller, his personal luggage and the business items he takes with him. Trade goods and samples usually do not count as luggage in that respect.
Is the employee's continuous travel insurance enough?
Usually not. Private travel policies are written for holidays and often exclude work, or cover only office and desk work. Loading, unloading, assembling or repairing abroad then falls outside them. Business equipment and tools are also rarely insured on them and lower limits apply.
What exactly does the emergency assistance centre do?
The emergency assistance centre can be reached day and night, finds a suitable hospital, guarantees payment so that no deposit is needed, and arranges transport back to the Netherlands where that is medically responsible. Flying out a family member or a replacement driver also runs through that centre. Always call first.
Is theft from the lorry covered?
Subject to conditions. Insurers generally require that the vehicle was properly locked and that valuables were not left in view. For valuables a lower sub-limit often applies, or no cover at all where they have been left in a parked vehicle. A report to the local police is almost always compulsory.
Does the cover apply to journeys within the Netherlands as well?
That varies. Many policies provide cover from the moment the trip begins, including within the Netherlands, but with restrictions: medical expenses here already run through health insurance, after all. For short domestic journeys it is mainly the luggage and personal accident sections that are relevant. Check whether a minimum duration or an overnight stay is required.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- Insuring an individual business tripContinuous or short-term, one traveller, worldwide
- Insuring business travel collectivelyContinuous, all employees, no enrolment
- Individual business travel insuranceTravelling for work, equipment, medical assistance
- Business travel insurance through Hienfeld
- Medical cover on business tripsEmergency assistance centre, payment guarantee, pre-existing conditions
- Business travel insurance for AsiaQuality of care, distance, vaccinations
Read more
Within Zakenreisverzekering
Is your staff properly covered on the road?
Request a quote without obligation. We test the area of travel, the work involved and the equipment with each insurer.
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.