Board and volunteers · working days · a fixed payment
Personal accident insurance for a VvE
A resident who falls off a ladder during the annual working day is neither an employee nor a visitor. Without personal accident cover he falls between two stools.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
- AFM licence 12016589
- Registered with Kifid
- Objective analysis
Deze pagina in het Nederlands: Ongevallenverzekering VvE.
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 activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Personal accident insurance for a VvE (Dutch owners' association) pays a fixed amount on permanent injury or death caused by an accident to board members and volunteers while carrying out work for the association.
The difference from liability insurance is fundamental: there the VvE has to be liable . Under personal accident insurance a payment is made regardless of fault, even where nobody is to blame.
This page deals with one part. The overview of all parts is on the the main VvE insurance page.
What to look out for
Who is insured
Board members, members of committees and volunteers while carrying out work for the VvE. Record who falls within that.
Working days and garden maintenance
It is precisely at organised working days that accidents happen. Report those activities if they take place regularly.
A fixed payment, not damages
The payment follows from a table per part of the body and stands apart from the actual loss or from any liable party.
In addition to the liability policy
Both are needed: liability covers damage to others, personal accident covers injury to your own people without any question of fault.
What determines the premium
- Number of insured persons
- Sums insured — for death and permanent disability
- Nature of the work
- Number of apartment rights
- Gliedertaxe chosen
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out 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.
Frequently asked questions
Who is this insurance intended for?
For board members, committee members and volunteers who carry out work for the VvE.
What is the difference from the liability insurance?
That pays for loss for which the VvE is liable. Personal accident insurance pays on injury, regardless of who was at fault.
Is a working day included?
Generally yes, provided it concerns work for the association. Report regular working or gardening days to the insurer.
How is the payment determined?
By a fixed table that assigns a percentage of the sum insured to each part of the body or loss of function.
What is covered and what is not
What is covered
| Situation | Personal accident insurance | Liability, VvE |
|---|---|---|
| A board member falls down the stairs on the way to the members' meeting in the building | Yes | Provided that |
| A volunteer loses an eye while trimming the communal hedge | Yes | Provided that |
| A delivery driver trips over a pallet in the communal hall | No | Yes |
| The gardener engaged by the VvE falls off his own ladder | No | Provided that |
| A board member has a heart attack during the meeting | No | No |
| A volunteer's glasses and phone are destroyed in a fall on the working day | No | Provided that |
Material damage and costs stay outside this cover: payment is made only for physical injury or death.
Read more
Within Gezinsongevallenverzekering
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