Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
Unigarant · compared independently · advice from Finass
Agency workers, interns & volunteers insurance through Unigarant
After a collision that was the other driver's fault, nobody automatically comes along to pay for your loss: recovering it is up to you, and that is exactly what traffic legal expenses cover exists for.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Uitzendkrachten, stagiairs & vrijwilligerssverzekering via Unigarant — vergelijk & bereken premie.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
Traffic legal expenses cover is about recovery. Someone runs into you, your car, motorcycle or caravan is damaged and you may be injured. The other party's liability follows from Article 6:162 of the Dutch Civil Code, and under Article 2 of the Dutch Motor Insurance Liability Act (WAM) you can approach his third-party liability insurer directly. That insurer looks after the interests of its own customer; the lawyer on your policy looks after yours.
Alongside recovery after an accident, this area of law covers the disputes that arise around it: a repair that is not up to standard, a used car with a concealed defect, a discussion about the market value or a recovery firm charging too much. For the loss you cause to someone else it is not this policy but your liability insurance or the third-party cover on the vehicle that applies.
Outside the cover are fines and their costs, driving without a valid licence, driving under the influence, taking part in speed competitions and disputes that already existed when the policy was taken out.
Through Finass or direct with Unigarant?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
- Employment law & staff
- Business premises (rented or owned)
- Public authorities & permits
- Recovery of traffic damage
Complete package
The most complete cover. We compare Unigarant's extended versions with the market.
- Free choice of lawyer in legal proceedings
- Tax law & tax disputes
- Administrative law
- Higher allowance for external costs
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Dispute with a contractor about work on your home | Yes | Yes |
| Recovering damages for personal injury after a collision | Yes | Yes |
| Employment dispute or dismissal | Provided that | Yes |
| Dispute about a purchase or a delivery | Yes | Yes |
| Tax dispute or dispute about assets | No | Provided that |
| A dispute that was already running before the start date | No | No |
Legal expenses insurance has a waiting period after the policy starts and a threshold: a case is not taken on below a certain financial interest. If the case goes to court, you have a free choice of lawyer. A dispute whose cause already existed when you took out the insurance is excluded.
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.
Recovering your loss from the other party
If you have no own-damage cover, recovery is the only route to being paid for your own loss. The lawyer holds the other party liable, resists any argument of contributory fault and negotiates on the amount. The evidence from the first half hour is crucial: an accident statement form completed and signed by both parties, photographs of the final positions and the names of witnesses. Without those it soon becomes one word against another.
Personal injury has a long tail
With injury it is not just about the car. Loss of income, help in the home, adaptations to the house, damages for pain and suffering and future loss all belong to it, and that process often runs for years. In injury cases the reasonable costs of legal assistance are usually borne by the liable party's insurer. Never sign a final settlement while the medical position has not stabilised, because that closes the case for good.
A used vehicle, a repair and a garage that will not cooperate
If you buy a second-hand car, motorhome or caravan that shows a serious defect soon afterwards, that is a dispute about non-conformity. Buying from a dealer puts you in a stronger position than buying from a private seller, where more of the investigation is up to you. Have the defect established independently before you have it repaired; a repair you arrange yourself makes it almost impossible to prove the original condition.
An accident abroad with a caravan or motorhome
If the accident happens outside the Netherlands, liability is judged under the law of that country, with different limitation periods and different levels of compensation. Check that your policy has an area of cover including the country you are travelling in and that the towed unit is included. Keep the foreign police report, because in many countries recovery is practically impossible without one.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
- Number and type of vehicles — Car, motorcycle, motorhome, caravan and trailer each count towards the risk insured.
- Area of cover — The Netherlands, Europe or wider; anyone travelling far with a caravan or motorhome needs the broader version.
- Family cover or the driver only — Including family members as passengers or cyclists widens both the cover and the premium.
- Extension to other areas of law — Home, consumer, work and income are separate modules alongside the traffic cover.
- Maximum for external costs — The ceiling for lawyers, experts and court fees in proceedings feeds through into the rate.
- Claims history and use — The number of earlier recovery cases and business or intensive use of the vehicle count as well.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
Do I need this alongside my motor insurance?
Often yes. Your motor insurance pays for the other party's loss and, with own-damage cover, for your own. It does not run a case on your behalf against the other party. Some motor policies contain limited recovery assistance, but that stops as soon as proceedings or personal injury are involved. Check your policy schedule before you assume it is already arranged.
What if the other party is uninsured or drives off?
You can then call on the Waarborgfonds Motorverkeer, which pays for loss caused by unknown, uninsured or stolen vehicles. Strict conditions apply: with an unknown driver you have to make it plausible who or what caused the damage, and report it to the police. The lawyer on your policy can submit that application for you and challenge a refusal if necessary.
Is a traffic fine covered?
You always pay the fine yourself; it is never insurable. Assistance with a defence or a notice of appeal can be covered where the offence is wrongly attributed to you or where a driving ban is threatened. In cases of intent, driving under the influence or driving without a valid licence that assistance falls away and you are on your own.
Who pays the lawyer in a personal injury case?
If the other party's liability is established, the reasonable costs of legal assistance are usually borne by their insurer. If liability is still under discussion or is disputed, your own legal expenses policy bears the costs within the agreed maximum. In both cases it pays to report early, before one-sided proposals are on the table.
Read more
Similar pages
- Agency workers, interns & volunteers through NH1816 — compare & calculate your premium
- Agency workers, interns & volunteers through Turien & Co — compare & calculate your premium
- Agency workers, interns & volunteers for self-employed professionals through Nationale-Nederlanden — compare & calculate your premium
- Agency workers, interns & volunteers through OOM — compare & calculate your premium
- Agency workers, interns & volunteers through ASR — compare & calculate your premium
- Business legal expenses insurance through De Goudse — compare & calculate your premium
- Agency workers, interns & volunteers through Nationale-Nederlanden — compare & calculate your premium
- Agency workers, interns & volunteers for VvEs through Avéro Achmea — compare & calculate your premium
Also relevant
- Recovering your loss from someone else
- Liability insurance through Unigarant — compare & calculate your premium
- Mobility scooter insurance through Unigarant — compare & calculate your premium
- Personal accident insurance through Unigarant — compare & calculate your premium
- Continuous travel insurance through Unigarant — compare & calculate your premium
- Bicycle insurance through Unigarant — 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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.