Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Personal accident insurance through Turien & Co
Personal accident insurance pays a sum agreed in advance rather than the actual loss, and with a delegated authority product such as this the assessment of that payment lies with the authorised agent itself.
- 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 first thing to know about this product is that it is not indemnity insurance but fixed-sum insurance. For permanent disability a percentage of the sum insured is paid according to a fixed table, the gliedertaxe, and on death caused by an accident a fixed amount. The principle of indemnity in Article 7:960 of the Dutch Civil Code does not apply here: the payment stands apart from what you actually lose in income or costs and can be received alongside damages for personal injury.
The second is the form of distribution. Turien & Co. is an authorised agent: acceptance, issuing the policy and handling claims all take place under the delegated authority, while an insurer carries the risk. In reality that means shorter lines for acceptance and claims. For you it changes nothing about the question that counts, namely whether the conditions suit your situation.
We mainly use this product as group cover for staff, alongside or on top of what a collective labour agreement requires, and as a supplement to the duty of care in Article 7:658 of the Dutch Civil Code. It is emphatically not income insurance; anyone wanting to cover incapacity for work caused by illness needs a different product.
Independent, personal, sorted quickly
We compare your personal accident 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.
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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 Turien & Co's extended versions with the market.
- Repatriation in the event of death
- Defence & legal costs
- Dental costs
- Cosmetic surgery
What is covered
| Situation | Basic | With extension |
|---|---|---|
| Permanent disability after an accident | Yes | Yes |
| Death caused by an accident | Yes | Yes |
| Incapacity for work due to illness | No | Provided that |
| Continued payment of wages during sickness absence | No | Provided that |
| Reintegration and guidance | Provided that | Yes |
| Complaints that already existed when the policy was taken out | No | No |
With accident and income cover, the definition of «accident» or «incapacity for work» determines what is paid out, together with the waiting period, the end age and the occupational profile. A condition that already existed or was known when the policy was taken out is usually excluded; non-disclosure can affect the payout (Articles 7:928 and 7:930 of the Dutch Civil Code).
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 and composition of the insured persons. On a group policy the size of the group and its spread across roles both count.
- Occupational class. Office roles, production, construction and work at height fall into rising risk classes.
- Extent of cover in time. During work and commuting only is cheaper than continuous twenty-four-hour cover.
- Balance between the sums insured. The choice between heavier death cover or heavier disability cover changes the rate.
- Groups included. Agency workers, students on placement, volunteers and visitors only count if they are named.
- Claims history. Earlier notifications within the group count in the assessment by the authorised agent.
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.
A sum, not payment of your loss
The payment follows from a table that attaches a fixed percentage to each part of the body. The loss of a thumb or of hearing in one ear therefore always gives the same share of the sum insured, whatever your occupation or income. A pianist and a warehouse worker receive the same payment for the same finger injuries. That makes settlement predictable, but it also bears no relation to what you actually lose.
The percentage is only set at the final medical position
As long as recovery or deterioration is still possible, the degree of permanent loss of function cannot be determined. A medical adviser assesses it only once the position is stable, and that can be long after the accident. Conditions also name a final period within which the injury must have shown itself. Report an accident straight away, therefore, even if the injury does not seem serious at the time.
Only during work or twenty-four hours a day
With group cover the key question is whether staff are covered only during working hours and commuting or continuously, including in their free time. That difference shows in the premium and in how useful the cover is. Bear in mind as well that agency workers, students on placement, volunteers and family members working in the business are only included if they appear in the policy as an insured group.
What is not an accident
A sudden event coming from outside is required. Back trouble from long-term overloading, a slipped disc with no identifiable event, a burnout and illness do not come under it. Also excluded are deliberate acts and recklessness within the meaning of Article 7:952 of the Dutch Civil Code, accidents under the influence of alcohol or narcotics, taking risks, taking part in speed competitions and aviation other than as a passenger.
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.
Is personal accident insurance the same as disability insurance?
No. Personal accident insurance pays a fixed amount once on permanent disability or death caused by an accident. Disability insurance pays periodically and also covers absence through illness, which is by far the biggest cause of absence. The two do not exclude each other, but one cannot replace the other.
What does it mean that this runs through an authorised agent?
An authorised agent acts on behalf of an insurer and may, within agreed limits, accept risks, issue policies and settle claims itself. The risk stays with the insurer behind it. In practical terms that saves links in the chain at acceptance and in claims handling. For your legal position it makes no difference: the policy conditions determine what is paid.
Does the policy pay even if the accident was my own fault?
In principle yes. Personal accident insurance does not ask who was at fault, only whether there was a sudden event from outside. Only with deliberate acts or conscious recklessness within the meaning of Article 7:952 of the Dutch Civil Code does the cover fall away, and that applies as well to driving under the influence or taking a reckless risk.
Is a slipped disc or back trouble from lifting covered?
Usually not. Cover requires a sudden event coming from outside. Complaints that arise gradually from repeated strain lack that element and count as illness. If the injury does arise from an identifiable event, such as slipping while carrying a load, the position can be different. Always record such an event in writing straight away, therefore.
Every situation is different. For these situations we have a separate page.
- Compare family personal accident insuranceThe main page
- Personal accident insurance through Hienfeld
- Group personal accident insurance through Hienfeld
- Personal accident insurance through OOM
- Road users' insurance via Turien & Co
- Agency workers, interns & volunteers through Turien & Co
- Cyber insurance for private individuals through Turien & Co
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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.