Unigarant · compared independently · advice from Finass
Single-trip travel insurance through Unigarant
Single-trip travel insurance through Unigarant is there for the trip that does not fit within your annual policy, or for the people who are not on that policy.
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
Most single-trip policies are taken out not because someone has no annual policy, but because this one trip falls outside it: longer than the maximum trip length, outside the area of cover, or with fellow travellers who are not part of the household. The single-trip form fills that gap for exactly the days on which it is needed.
So we always look first at what you already have. A continuous policy, cover through your credit card and a single-trip policy can overlap, and Article 7:960 of the Dutch Civil Code never lets you receive more than your actual loss. Two policies therefore do not pay twice; they mainly produce argument about which comes first.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your single-trip 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.
Fellow travellers who do not live with you
A family policy covers the people at your address. If a friend, a sister-in-law or your daughter's boyfriend comes along, that person is not insured, even if you pay for everything. A single-trip policy can include them as insured persons, provided you give their name and date of birth on the application. Anyone who joins only once you are on the way remains uninsured.
Away longer than your annual policy allows
Every continuous policy has a maximum number of consecutive days. For a round-the-world trip, a long motorhome trip or a stay of several months you therefore choose a single-trip policy for the whole length of the trip, not just for the days on top. A policy that starts only when the first one stops produces argument about events that were already running at that point of transition.
Winter sports and special sports per trip
With a single-trip policy you choose the sports cover per trip, which makes this form suitable for that one skiing week or diving holiday. Without the module, injury on the piste, damage to equipment and rescue transport fall outside the cover. Skiing off the marked piste, competitions and training for them often remain excluded even with the module. So tell us what you are actually going to do.
What is excluded
Not covered are: events that were already under way on the start date, the cost of cancelling, professional activities during the trip, and luggage left unattended or visible in a vehicle. Extension is only possible before the end date and not after something has happened on the way. Under Article 7:941 of the Dutch Civil Code you must report a claim as soon as reasonably possible.
Worldwide assistance
Cancellation
What does your premium depend on?
Length of the trip in days. The premium is calculated per day, from the day of departure up to and including the day you come home.
Make-up of the travelling party. How many people are going and whether or not they are part of your household.
Destination. Europe, worldwide, or a country with high healthcare costs where an admission quickly mounts up.
Type of trip. A motorhome trip or a touring holiday carries different risks from a stay at one fixed address.
Sports and activity modules. Winter sports, diving and climbing are added per trip and priced separately.
Sections you already have elsewhere. If luggage is already covered through home contents or an annual policy, you choose only the missing parts.
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.
Yes, and that is precisely a reason to take out single-trip cover. On the application you give the name and date of birth of everyone coming along, even if they are not registered at your address. Anyone not declared is not an insured person and cannot call on the policy in the event of illness or an accident, even if you paid for the trip.
May I take out single-trip cover alongside my continuous policy?
You may, but it rarely produces extra money. Article 7:960 of the Dutch Civil Code provides that you never receive more than your actual loss, so two policies share the same costs and slow down the handling. It is only worthwhile where the single-trip policy covers something the annual policy lacks, such as a longer trip length, a wider area or a sports module.
Can I extend the policy during the trip?
Only before the original end date has passed and as long as nothing has happened. So report an extension as soon as you know you are staying longer. If the delay is through no fault of your own, for example because of a cancelled flight or a stay in hospital, the cover usually continues for a limited number of days; report that to the emergency assistance centre immediately.
Is an internship or voluntary work abroad covered?
Usually not. An ordinary travel policy covers holidays. An internship, voluntary work and paid work count as professional activities and often fall outside the cover, even where there is no pay. For a long stay involving work there are separate long-stay policies. State the purpose of the trip on the application, so that a medical claim does not founder on it later.
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.
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