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 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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your road users' insurance. We show what Turien & Co and other insurers offer within it.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
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.
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
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.
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.
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.
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.
