Unigarant · compared independently · advice from Finass
Continuous travel insurance through Unigarant
Continuous travel insurance through Unigarant suits holidays taken in your own vehicle, with a caravan or a motorhome, and it is precisely there that the line with your vehicle policy runs.
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
If you go on holiday by car, caravan or motorhome, a loss is split across two policies. Everything you take with you is luggage. The vehicle itself, the awning and the fixed fittings belong with the vehicle insurance. Anyone who does not have that distinction clear reports a claim to the wrong party and loses weeks.
Unigarant is known for its recreational policies. We therefore often use continuous travel cover alongside a motorhome, caravan or motorcycle policy, so that assistance, luggage and liability connect rather than overlap. Which section belongs where, we record in writing with the advice.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your continuous travel insurance. We show what Unigarant and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A breakdown is not travel cover
If your car or motorhome comes to a stop, the travel policy does not pay for it. Towing, roadside repair, a replacement vehicle and bringing the vehicle home belong with breakdown assistance cover on your vehicle policy. The travel insurance only takes over where people are concerned: onward travel, extra accommodation costs and repatriation in the event of illness. So check that foreign breakdown assistance is actually on the motor policy.
Luggage in the caravan or motorhome
What is in the motorhome is not automatically luggage. Fixed fittings, the kitchen unit, the canopy and the awning belong with the motorhome or caravan insurance; clothing, equipment and bicycles fall under the luggage section of the travel policy, provided it is included. Bicycles on a rear carrier are a well-known point of dispute: many sets of conditions require a sound lock and exclude theft during the night altogether.
The maximum trip length clashes with long journeys
If you spend the winter in southern Europe or make a long tour, you run into the maximum number of consecutive days per trip. From that day there is no cover, not even for the journey home and not for a stay in hospital on the way. Report a longer trip in advance and we will choose a policy with a wider limit or arrange separate cover for that one trip.
What is excluded
Not covered are: damage to the vehicle itself, to the awning and canopy by storm and to the fixed fittings; tools and spare parts you take with you; theft from a car left unattended or from an awning that is not closed; and injury while diving, climbing or motocrossing without a module. Article 7:952 of the Dutch Civil Code excludes intent and recklessness, including driving under the influence.
Worldwide assistance
Cancellation
What does your premium depend on?
Household composition. The number of people who regularly travel with you forms the basis of the annual premium.
Area of cover. Europe or worldwide. For holidays in your own vehicle Europe is often enough, for flights it is not.
Maximum length of each trip. Motorhome trips and wintering abroad call for a wider limit and that feeds through into the premium.
Sum insured for luggage and sports equipment included. Bicycles, e-bikes and camping gear on the carrier raise the sum insured considerably.
Modules chosen. Assistance for people, legal expenses, winter sports and special sports are each rated separately.
Combination with your vehicle policies. If the travel cover runs alongside a motorhome, caravan or motorcycle policy, a package discount often applies.
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.
Is breakdown assistance included in this travel insurance?
No. Towing, roadside repair, a replacement vehicle and bringing the vehicle home come under breakdown assistance cover on your car, motorhome or caravan insurance. The travel insurance pays for what happens to the occupants: onward travel, extra nights and transport in the event of illness or an accident. We check that both covers are in place before you leave.
Are my bicycles on the bike rack insured?
Only if the luggage section is included and the bicycles fit within the sum insured. Virtually all conditions require a sound lock and exclude theft from the carrier during the night. For an expensive e-bike there is also a sub-limit. You are better off insuring it separately through your bicycle insurance, which also applies at home and on the way to work.
What happens if I stay away longer than allowed?
On the day the maximum number of consecutive travel days is exceeded, cover for that trip stops. Everything that happens after that is uninsured, including the journey home. Extending afterwards is not possible. If you know in advance that you will be away longer, say so; we arrange a policy with a wider trip length or separate cover for that trip.
Are the contents of my caravan insured twice?
That happens regularly, because both the caravan policy and the luggage section of the travel insurance cover something of the contents. Payment is made only once: Article 7:960 of the Dutch Civil Code does not allow you to receive more than your actual loss. So we agree which policy carries the contents and reduce the cover on the other, so that you do not pay twice.
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.
