Basic cover
- Luggage & travel documents abroad
- SOS emergency assistance centre
- Money & payment cards while travelling
- Help in case of illness or accident
Continuous cancellation insurance through Unigarant
Continuous cancellation insurance through Unigarant covers the bookings you make after the start date, and that date makes all the difference.
- 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 annual form insures every trip you book during the policy year, without your having to arrange anything per booking. There are two limits to it that you should know in advance: bookings you had already made before the start date do not count, and there is a maximum sum insured per person per year that all your trips share.
We recommend this form for people who book several times a year: a summer holiday, a weekend away, a week's skiing. If you book once a year, a policy per booking is usually more efficient; see the short-term cancellation insurance through Unigarant.
Cancellation and travel are two different covers. Travel cover starts on departure; cancellation is about the costs when you do not leave. If you want both on a continuous basis, we will discuss them alongside each other with the continuous travel insurance through Unigarant.
Independent, personal, sorted quickly
We compare your cancellation 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.
Cancellation insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Through Finass or direct with Unigarant?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
- Luggage & travel documents
- Money & payment cards while travelling
- Travel legal expenses cover
- Money & payment card insurance
Complete package
The most complete cover. We compare the extended version from Unigarant with the market.
- Replacement transport
- Cancellation can be included
- Special sports
- Higher luggage cover
What is covered
| Situation | Basic | With winter sports module |
|---|---|---|
| Theft of luggage from a locked space | Provided that | Provided that |
| Repatriation after an accident | Yes | Yes |
| Medical expenses abroad | Provided that | Provided that |
| Damage to or theft of hired ski equipment | No | Yes |
| An accident while skiing off-piste | No | Provided that |
| A trip to an area with a negative travel advisory | No | No |
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
What we do
| What we do | At Finass | Direct with Unigarant |
|---|---|---|
| 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 Unigarant 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?
- Sum insured per person per year. The annual maximum shared by all bookings is the main basis.
- Number of people insured. Family cover includes everyone in the household. Every insured person counts towards the rate.
- Age profile of the family. With older insured persons the chance of dropping out through illness is greater than with young families.
- Cover option chosen. Standard cancellation, or an extended variant with curtailment and more recognised grounds for cancellation.
- Combination with continuous travel insurance. If both covers run on one policy, there is often a package discount and a single notification.
- Type of trips. Long-haul trips and winter sports lead to higher trip costs and therefore to a higher sum insured.
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.
Bookings made before the start date
An annual policy covers what you book during its term. The trip you booked last month falls outside it, even if the departure date is far in the future. If you still want to insure that trip, a separate policy per booking is needed. So take out an annual form before the booking season starts, and not once the first trip has been booked.
Waiting period at the start
Many continuous cancellation policies have a waiting period after the start date: if you call off a trip within that period for a health-related reason, there is no cover. That provision prevents anyone insuring themselves while something is already going on. Ask about the waiting period and bear it in mind if you want to take out a policy shortly before an examination or a procedure.
An annual maximum for all trips together
The sum insured applies per person per policy year and not per trip. An expensive summer holiday can use up most of the maximum, after which the skiing week in December is only partly insured. So add up your annual travel spending before you choose an amount, and let us know when you book a trip that is clearly above your usual level.
What is excluded
Not covered are: calling off a trip because of negative travel advice, changed plans or pressure of work; conditions for which you were already under treatment at the start, in view of Article 7:928 of the Dutch Civil Code; resigning of your own accord; and booking and reservation fees. The bankruptcy of a travel provider belongs to the industry guarantee scheme. Notification must be made as soon as reasonably possible, as required by Article 7:941 of the Dutch Civil Code.
Worldwide assistance
Cancellation
Frequently asked questions
This is what people ask us most.
Is a trip I booked last month covered as well?
No. Continuous cancellation insurance only covers bookings you make after the policy has started. The departure date is not relevant. What counts is the booking date. For a trip that is already fixed you can still take out a separate policy per booking, provided no reason to cancel is known at that moment.
Does the sum insured apply per trip or per year?
Per person per policy year, and all trips share that maximum. If your summer holiday takes up a large part of the amount, less is left for an autumn weekend or a week's skiing. If you expect an expensive year, let us know; we will adjust the sum insured before you book rather than afterwards.
What does the waiting period at the start mean?
Many policies do not cover cancellation for health reasons in the first period after the start date. That prevents anyone insuring themselves while a diagnosis or a procedure is already in prospect. How long that period lasts differs from insurer to insurer. We ask for the term and take it into account if you want to take out a policy shortly before a medical examination.
Can I take out cancellation cover on its own, without travel insurance?
Yes, the continuous cancellation cover can be taken out as a policy in its own right. Some insurers offer it only as a module with their travel insurance. A combination is then necessary. We compare both arrangements, because a separate cancellation policy alongside an existing travel insurance policy with another company does not always work out cheaper.
Every situation is different. For these situations we have a separate page.
Read more
Within Annuleringsverzekering
Similar pages
Also relevant
- Short-term travel insurance through Unigarant — compare & calculate your premium
- Continuous travel insurance through Unigarant — compare & calculate your premium
- Continuous travel insurance through Allianz — compare & calculate your premium
- Continuous travel insurance through Nationale-Nederlanden — compare & calculate your premium
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.