Unigarant · compared independently · advice from Finass
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.
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
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 &mdash. 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.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Unigarant and other insurers offer here.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
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.
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
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.
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.
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.
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.
