How do I calculate the premium of continuous travel insurance?

With comprehensive travel insurance, you are covered for damage or theft during your trip throughout the year. The coverage applies to an unlimited number of trips and is only valid when you are actually traveling. Help, damage or expenses while you are traveling are reimbursed by this insurance. You choose for coverage in Europe or worldwide. When you want to take out a continuous travel insurance, of course you want to know what this will cost you. How do you calculate the premium of a continuous travel insurance?

What coverages do you choose?

When calculating a continuous travel insurance it is important to know exactly what you want to insure yourself for while traveling. You can choose different coverages, so you can compose your continuous travel insurance completely by yourself. Depending on your preferences and which risks you want to insure yourself for. Naturally, the more coverage you choose, the higher the premium will be.

The main coverages you can choose from:

Accidents: In the event of death or permanent disability due to an accident while traveling, you will receive benefits. For death, you will be paid €25,000 and for permanent disability up to €75,000, depending on the degree of disability.

Medical expenses: This elective coverage insures you for the cost of emergency or unexpected medical treatment, supplemental to your health insurance.

Breakdown while traveling: You get help if your means of transport breaks down or if the driver, while abroad, breaks down. The means of transport can be a car, camper, motorcycle/scooter, caravan, folding trailer or trailer.

Luggage: You are insured for damage, loss and theft of your luggage. For luggage not older than 1 year, the new-for-old value is reimbursed. If your luggage is older than 1 year, then the current market value will be reimbursed.

Money: You can co-insure your money up to a maximum of €500 per trip. Money refers to valid means of payment in the form of coins, bills and checks.

Special sports: You are insured for damages while practicing winter sports, mountain sports, aerial sports or high-risk water sports (such as rafting). Sledding, ice skating, cross-country skiing and diving are insured as standard.

Business Travel: By default, you are only covered for private travel. With this optional coverage, you are also covered on trips you take for work. Volunteer work or an internship while studying full-time are covered by default.