Business Travel Insurance through Turien & Co
Business travel cover placed through an authorised agent works in essence in the same way as a policy taken out directly. The difference lies in the route your application and your claim take.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
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- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Finass acts as an intermediary and compares the offering of more than thirty providers objectively. Turien & Co. is an authorised agent: the company has transferred the application, acceptance and handling of policies to that binding authority. For you that means shorter lines on acceptance and claims. The insurance contract itself and the statutory rules in Book 7 of the Dutch Civil Code continue to apply unchanged.
Business Travel Insurance is intended for travel for a business purpose: client visits, trade fairs, conferences, service and installation work. The core sections are assistance and medical expenses, luggage and business equipment, and usually personal accident cover. The policy works on top of your Dutch health insurance and the statutory provisions; it does not replace them.
If you travel to countries where the security situation varies, the Dutch government's travel advice is the pivot. If an area is designated as one where travel is advised against, cover usually lapses in whole or in part, even where you have to be there for business. Record the status of the advice on the day of departure in the file. For the broader structure, see business travel insurance.
This page deals with one situation. The full overview is on Business travel insurance.
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We compare your business travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Business travel insurance
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Get coveredWhy 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.
What to look out for
Four points that call for particular attention with this policy.
Who is your point of contact when there is a claim
With a policy placed through a binding authority, the authorised agent handles the claim on behalf of the risk carrier. So ask in advance which party does which part: the emergency assistance centre for assistance while travelling, the authorised agent for the financial settlement. Note both sets of contact details in the travel instructions. In an acute incident abroad, the right first phone call is the most important decision.
Business equipment versus trade goods
Equipment you need in order to do your work falls under its own section with a sub-limit. Goods intended for sale or delivery consistently fall outside it, as do hired equipment and tools for operational work. A demonstration model that is sold after the trade fair is a borderline case; have its status recorded in writing in advance to avoid argument after a theft.
Exclusions that come into play on a business trip
As standard, the cover does not include armed conflict and acts of war, costs arising from a pre-existing or already treated condition, and loss while driving a vehicle without valid authorisation. Excessive use of alcohol or drugs as a cause is also excluded, and intent and recklessness fall, under Article 7:952 of the Dutch Civil Code outside every insurance in any event.
The boundary with long-term stays
A business travel policy covers temporary stays and has a maximum uninterrupted trip duration. If you stay longer, for example because a project overruns, the excess period falls outside the cover and a solution for secondment is needed. Moving your place of residence abroad also brings the cover to an end, because the policy assumes a permanent home address in the Netherlands.
What does your premium depend on?
- Length and frequency of trips: short-term per trip or continuous per year
- Destinations and area of cover. Europe, worldwide or extended worldwide cover
- Number of travellers insured: individually or several people on one contract
- Sections chosen: luggage, personal accident and cancellation separately
- Value of the equipment being taken: determines whether the standard sub-limit is enough
- Nature of the work carried out on the road: a commercial visit is assessed differently from technical work
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Your employee develops appendicitis at a trade fair in Milan and has to be operated on | Yes | Yes |
| The case of measuring equipment disappears from the baggage belt | Provided that | Yes |
| Your employee's laptop is stolen from the hotel room | Provided that | Yes |
| Your employee cancels the conference because his child is in hospital | No | Provided that |
| Your employee breaks a wrist kitesurfing on the day off after the client visit | No | Provided that |
| A hired van in Poland is damaged during an installation job | No | No |
Record the business purpose of every trip; where there is injury, the dividing line between work and free time is the first thing the insurer checks.
Frequently asked questions
This is what people ask us most.
What does it mean that the policy runs through an authorised agent?
An authorised agent acts on behalf of an insurer and may accept risks, issue policies and settle claims independently. Your rights and obligations follow from the policy conditions and from the Dutch Civil Code and are not changed by it. When it comes to it you mainly notice it in the correspondence: that runs through the authorised agent instead of directly with the company.
Does my partner travel under the same cover?
Only if that has been insured. An accompanying partner or family member is not a business traveller and does not automatically fall within the group of insured persons on a business travel policy. If the trip is extended with private days, check whether that period still falls within the cover; many policies limit it in days or exclude it.
What is not covered in the event of unrest or a strike on the ground?
Extra costs from delay, closed airspace or a strike are only covered where a separate section exists for them. Acts of war, hostilities and travel to an area that is advised against remain excluded. Evacuation for safety reasons is a module, not standard cover; without that module you organise and pay for the departure yourself.
Do I have to report a claim straight away?
Yes. The notification period in Article 7:941 of the Dutch Civil Code starts to run at the moment you know of the incident or could reasonably have known of it. With theft or loss that includes a report to the local police, and with carriers a written notification within the period they set. Without a police report or a carrier's report a luggage claim is virtually impossible to support in practice.
Every situation is different. For these situations we have a separate page.
- Business travel insuranceThe main page
- On a business trip as a self-employed professionalNo employer, loss of turnover ·. Your own decisions
- Business travel insurance for self-employed professionalsSections, sub-limits, overlap
- Business travel insurance through Hienfeld
- Individual business travel insuranceTravelling for work, equipment, medical assistance
- Insuring an individual business tripContinuous or short-term, one traveller, worldwide
- Continuous travel insurance through Turien & CoBinding authority, co-insured persons, length of trip