Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Road users' insurance via Turien & Co
This insurance pays out for injuries you suffer in traffic, even if nobody else is liable or the other party is never found.
- 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
The compulsory motor policy on a car pays the other party's loss; Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires it. For your own injuries that policy offers nothing once you are the one at fault, or where there is no other party at all. Road users' insurance via Turien & Co fills exactly that gap: it covers injury and its consequences for you and your family members when taking part in traffic, regardless of fault.
What is distinctive about this product is that it is not tied to one vehicle. Where occupants' indemnity insurance is tied to a registration number, this cover follows the person: as a driver, as a passenger in someone else's car, on a bicycle, on an e-bike, on the bus and as a pedestrian. A single-vehicle accident on a bicycle is therefore also covered, and that is precisely the situation in which there is rarely a liable party.
We set this form alongside a family personal accident insurance and the personal accident insurance via Turien & Co, because those work with fixed sums and this policy works on the loss actually suffered.
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 Turien & Co?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as cover during work, also 24-hour cover (7 days) (available as an extension) and higher benefits.
- 24-hour cover (7 days) (available as an extension)
- Retraining (up to € 10.000)
- Adaptations to the workplace, car & home
- Interns & visitors covered as well
Complete package
The most complete cover. We compare the extended version from Turien & Co with the market.
- Repatriation in the event of death
- Defence & legal costs
- Dental costs
- Cosmetic surgery
What we do
| What we do | At Finass | Direct with Turien & Co |
|---|---|---|
| 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 Turien & Co 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?
- Number of insured persons. Individually or the whole family. Every insured participant counts in the rate.
- Sum insured per event. The upper limit for total compensation, including where several people are injured at once.
- Extent of participation in traffic. As an occupant only, or also as a cyclist, pedestrian and passenger on public transport.
- Commuting and business use. If you drive a lot of miles for work, that changes the exposure and sometimes the form of cover.
- Area of cover. The Netherlands, Europe or wider; accidents abroad involve different items of loss.
- Age profile of those insured. Young drivers and older cyclists each have their own injury profile.
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.
Payment based on the actual loss, not on a fixed sum
A personal accident insurance pays an agreed sum for a given percentage of permanent injury. This policy works differently: it reimburses the loss you actually suffer, such as loss of income, help in the home, adaptations and compensation for pain and suffering. With long-term injury that mounts up beyond a fixed sum. So look not only at the sum insured but at how the loss is assessed.
Cyclists and pedestrians are the core situation
A fall over a loose paving slab, a collision with a driver who is never identified or a single-vehicle accident on an e-bike rarely leads to a liable party. Unmotorised road users do enjoy a protected position in traffic, but that does not help without a counterparty. Precisely those situations, in which an ordinary motor policy does nothing, are the reason this cover exists.
Overlap with other policies and with recovery
If there is a liable other party, your loss is in principle recovered from them under Article 6:162 of the Dutch Civil Code. This insurance then pays up front or tops up what proves not to be recoverable, for example from an uninsured driver or one who has fled the scene. Anything already paid by a health insurer or employer is generally deducted; double reimbursement of the same item of loss is excluded.
What is not covered
Cover does not extend to: accidents during driving under the influence or without a valid driving licence; taking part in competitions, speed trials and track days; intent and deliberate recklessness; injury that results from a pre-existing condition rather than from the accident; and material damage to the vehicle itself, which belongs on the own-damage or third-party liability cover. Professional passenger transport is also usually 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.
What is the difference from occupants' indemnity insurance?
Occupants' indemnity insurance is tied to one registration number and covers only those in that vehicle. This insurance follows the person and also applies on a bicycle, on foot and as a passenger in someone else's car or on the bus. If you have several vehicles or cycle a lot, the personal form generally provides wider cover.
Am I covered in a single-vehicle cycling accident?
Yes, that is one of the main situations this cover exists for. In a fall with no other party involved there is nobody to hold liable and health insurance pays only medical costs, not loss of income or help at home. Those items are covered under this policy, within the sum insured.
Does the cover also apply during working hours?
For employees, the employer normally arranges that; under Article 7:611 of the Dutch Civil Code proper insurance for taking part in traffic is expected of them. If you drive as a self-employed professional (zzp'er), there is no employer and you fall back on your own arrangements. So always declare business use, so that the cover is geared to it.
What should I do immediately after an accident?
Have an accident statement completed, or report it to the police where the other party is unknown, and make sure that medical complaints are recorded from the outset by your GP or the emergency department. Then report the accident as soon as possible; Article 7:941 of the Dutch Civil Code requires timely notification and cooperation in the assessment of the loss.
Every situation is different. For these situations we have a separate page.
Read more
Within Why we work with different insurers
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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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.