Continuous travel insurance
With a comprehensive travel insurance you insure, throughout the year, against damage or theft that may occur during a trip. The cover applies to an unlimited number of trips and is only valid when you are actually travelling. Assistance, damage or expenses while you are travelling are covered by this insurance. You can choose coverage in Europe or worldwide and it can be taken out for the whole family.
Take out continuous travel insurance
When taking out continuous travel insurance, you can choose from various coverages, namely:
With this optional coverage you are insured for the costs of urgent or unexpected medical treatment, supplementary to your health insurance. Attention: It is required that you have a valid Dutch health insurance. The voluntary excess of your health insurance is not insured.
You are insured for damage, loss and theft of your luggage. You can choose from the following insured amounts: €1,000, €3,000, €5,000 per insured or €2,000, €6,000, €10,000 for all insured. For baggage that is not older than 1 year, the new value will be reimbursed. If your luggage is older than one year, the current market value will be reimbursed.
In addition, the replacement of travel documents is reimbursed. No maximum or excess applies.
You are insured for damage while practising winter sports, mountaineering, air sports or high-risk water sports (such as rafting). Sledging, skating, cross-country skiing and diving are insured as standard. Have you been unable to use pre-paid ski passes, ski lessons or rented ski equipment because of the damage? This damage is also compensated.
Breakdown on a journey
You will receive assistance if your means of transport breaks down or if the driver breaks down while abroad. The means of transport can be a car, camper van, motorcycle/scooter, caravan, trailer or folding trailer.
You will receive a payment in the event of death or permanent disability resulting from an accident during the trip. In case of death, you will receive €25,000 and in case of permanent disability a maximum of €75,000, depending on the degree of disability.
Continuous cancellation insurance
Have you booked a trip, but are unexpectedly unable to go? The costs that you have incurred and will not be reimbursed, will be reimbursed with this coverage. You will also receive compensation if your trip is cut short or if you are hospitalised during the trip. You will also receive compensation if the outward journey is delayed by more than 8 hours. Please note: this insurance only applies to certain events. Think for example of death, serious illness or serious accident, also of family members in the 1st or 2nd degree, business partner or housemate. Or in case of involuntary dismissal, damage to your home or a divorce. You can choose an insured amount per person per trip of € 750, € 1500 or € 3,000.
By default, you are only insured for private travel. With this optional coverage, you are also covered for trips you make for your work. Volunteer work or an internship during full-time studies are standard insurances.
Additional sports equipment
You can insure your sports equipment up to a maximum of € 2500 for all insured persons together per trip. This amount is in addition to the insured amount of your luggage.
You can insure your money up to a maximum of €500 per trip. Money means valid means of payment in the form of coins, notes and cheques.
Is continuous travel insurance mandatory?
Continuous travel insurance is not compulsory. However, this insurance is recommended for people who go on holiday or travel. A continuous travel insurance can save you a lot of money when you get into unpleasant situations while travelling.
What is not insured with a continuous travel insurance?
There are a number of situations in which you are not insured with a continuous travel insurance, namely:
- If you do not have a valid driving licence
- In case of damage caused by alcohol or drug abuse
- In case of damage that was foreseeable in advance
- If your destination (at the time of booking the trip) has negative travel advice from the Ministry of Foreign Affairs, cancellation of your trip is not insured. Damage caused by e.g. molestation is excluded from cover
- If you commit fraud when taking out the insurance or in the event of a claim. Also if there is intent, recklessness or criminal and punishable activities
What does travel insurance with world cover cover cover?
Many people travel every year. Every year for the summer holidays, or perhaps more often for work. If you travel outside of Europe, you need travel insurance for world coverage. You may lose your belongings or they may even be stolen. These are things that happen on a regular basis. In such cases, the travel insurance world coverage ensures that you can recover the value of your belongings.
Conditions of continuous travel insurance
Travel within the Netherlands
If you travel within the Netherlands, you are only insured if you stay at least one night for payment during your trip. You are not insured within the Netherlands during a trip to or with family or acquaintances. A trip to your own (holiday) home, a caravan at a fixed location, a boat at a fixed mooring or your own camper is also not covered.
You can choose your own risk: €0, €75 or €150. The higher your excess, the lower the premium. The excess applies to damage to your luggage/sports equipment.
Maximum travel time
Your trip may last up to 60 days (standard insurance). You can extend this to 90 or 180 days.
Has something gone wrong while travelling and do you urgently need help due to a breakdown, an accident or hospitalisation? Then you can call the Emergency Centre 24 hours a day. If you do not do this and, for example, have unreasonably high costs? Then you may not get all the costs reimbursed.
Communicating changes is important
When you apply for insurance or if you have a claim, you have to answer questions. You must answer these questions honestly. In addition, you should do as much as possible to prevent and limit damage. Report damage as soon as possible! It is also important to inform us of any changes.
Easy comparison and conclusion
You can easily compare insurances via our website. After entering a few details, a number of insurance policies with the corresponding premiums and policy conditions will appear, tailored to your needs. You can compare these. If you have found a suitable insurance, you can take out the policy immediately. Are you having problems or do you have any questions? If so, you can always contact us by telephone on +31 (0)88 - 688 37 00. We will be happy to help you.
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