Travel Insurance and Assistance in the Netherlands 2024 is part of a report series investigating the market for stand-alone travel insurance and assistance in global markets including Australia, Austria, Belgium, Brazil, Canada, France, Germany, Italy, the Netherlands, Poland, Spain, Switzerland, the UK and the USA. Key features of the report series include quantification of the market size across each country, partnerships between insurance providers and distributors such as travel trade, transportation and financial companies, and estimated market shares of the leading travel insurance underwriters in each country. The report series updates and expands Finaccord’s previous studies on the subject and is accompanied by an Excel PartnerBASE dataset that details the travel insurance partnerships of each of the organisations covered, plus a convenient market data annexe, also in Excel format.
Why is this research needed?
International travel and tourism are key elements of the contemporary global economy, but the COVID-19 pandemic dramatically impacted both the travel sector and its associated insurance market, severely interrupting international and domestic travel and changing consumers’ perceptions of the need for travel cover.
The pandemic also disrupted existing distribution relationships: travel trade organisations and airlines went out of business, new online-only competitors emerged, and many organisations reconsidered and revised their travel insurance offerings.
Average policy prices have also risen, in response to increased claims from higher medical fees and higher travel prices, themselves fuelled by a rise in oil prices since 2021.
What has been the impact of these changes?
- Have leisure and business trips returned to pre-COVID levels?
- Which countries have been slower to return to growth, and which have seen the most rapid increase?
- How have travel insurance premiums been affected?
- Which distribution partners now have the largest market share in each country?
This report series answers all of these questions.
Market shares for travel insurance and assistance in Country A
![Chart shows market shares in a sample country](data:image/png;base64,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)
For further information about this research, please access the table of contents and series prospectus using the links on this page.