Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Personal accident insurance through Unigarant
At Unigarant, personal accident cover rarely stands alone: there is often already something on your car, motorcycle or caravan policy, and the question is what still needs to be added separately.
- 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
This cover belongs in private life, and there mainly around mobility and leisure. On virtually every motor policy you can include passenger personal accident cover, which pays a fixed amount per seat on death or permanent disability. There is also occupants' accident insurance, which pays the loss actually suffered. A separate personal accident policy does something different again: it applies day and night, including when you are not in or on a vehicle.
That distinction is not academic. The compulsory liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays victims, but not the driver who made the mistake himself. If you run into a tree on your own, without additional cover there is nobody to pay for your injury.
For the recreational activities Unigarant is strong in — motorcycling, water sports, camping and winter sports — there are also different provisions. We therefore first take stock of the cover you already have and only then compare the conditions with those of other providers.
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 Unigarant?
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 Unigarant'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 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?
- Sums insured chosen. The amounts for death and for permanent disability together form the basis of the rate.
- Age of the insured. Different rates and sometimes different rules on payment apply to younger and older insured persons.
- Occupation and leisure activities. Manual work and higher-risk hobbies lead to a higher classification than office work.
- Motorcycling and hazardous sports. Motorcycles, jet skis, climbing and diving are assessed separately or insured through a module.
- Family members covered as well. Family cover is calculated per person, with children often subject to their own rules on payment.
- Existing cover on other policies. If passenger personal accident or occupants' accident and damage cover is already running, the separate cover can be smaller.
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.
Passenger personal accident cover or occupants' accident and damage insurance
The first pays a fixed amount according to a table, regardless of your actual loss. The second pays what you actually lose in income, care costs and general damages, even where you caused the collision yourself. With serious injury that difference is wide. If you have both, they can exist side by side, because fixed-sum insurance does not fall under the principle of indemnity in Article 7:960 of the Dutch Civil Code falls.
Motorcycling, water sports and winter sports
Recreational activities are precisely where policies impose restrictions. Taking part in speed and manoeuvring events, track days, off-piste skiing without a guide and riding a jet ski are regularly excluded or covered only through a module. If you ride a motorcycle for which you do not hold the right licence, the cover falls away entirely. Declare the activities you actually take part in at the outset, therefore.
Disability is expressed in percentages, not in income
The payment follows from a fixed table that assigns a share of the sum insured to each injury. Your occupation, your age and the income you lose play no part in it. Anyone who wants to protect their income needs a different product for that. The percentage is also only set once the medical position is stable, and that can take years.
Alcohol, deliberate acts and lack of entitlement to drive
Accidents while driving under the influence of alcohol or drugs, deliberate acts and conscious recklessness within the meaning of Article 7:952 of the Dutch Civil Code and accidents while committing a criminal offence are excluded. The same applies where a licence is invalid or absent. Death or disability caused by illness falls outside by definition: there has to have been a sudden event coming from outside.
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.
What is the difference between passenger personal accident cover and occupants' accident and damage insurance?
Passenger personal accident cover pays an amount agreed in advance on death or permanent disability, regardless of your actual loss. Occupants' accident and damage insurance pays the loss you actually suffer, including lost income and general damages, even where you caused the collision yourself. With serious injury the second form offers considerably more.
Am I covered as a motorcyclist?
Only if motorcycling was declared on the application. Many policies treat motorcycling as an increased risk and require a separate mention or module for it. Track days, speed events and training days on a closed circuit remain excluded almost without exception. If you ride without the correct licence category, there is no cover, not even for yourself.
Does the policy pay on death caused by illness?
No. Personal accident insurance requires a sudden event from outside. A heart attack at the wheel counts as illness, even where a collision follows. If the collision itself causes additional injury, that is assessed separately. Anyone wanting to protect dependants financially against death from any cause needs term life insurance.
Is a separate personal accident policy worthwhile alongside my motor policy?
It can be, because the cover on your motor policy applies only in or around the vehicle. A separate policy covers twenty-four hours a day, and therefore at home, on holiday and during sport. If occupants' accident and damage insurance is already running, part of it overlaps; we therefore look at your existing policies before adding anything.
Every situation is different. For these situations we have a separate page.
Read more
Within Gezinsongevallenverzekering
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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.