Can I purchase contents insurance online?
Purchasing contents insurance is not required by law, but it is certainly recommended. With contents insurance you insure the loose belongings/items in your home that can be moved. Via www.alpina.nl you can easily calculate the premium online and, if desired, take out contents insurance directly online. Please note that when you want to calculate the premium for contents insurance you will need various details about your household contents and home.
Take out contents insurance online
In order to calculate the premium for a contents insurance, you need to know the value of your possessions. You can use the so-called content value meter to calculate the overall value of your household contents. The content value meter can help you to easily calculate the value of your household effects. It is really meant as an aid. The household value meter is based on various studies into the value of a large number of households in the Netherlands.
Often, a household value meter also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to notify your insurance company of your purchase.
Compare the premium and coverage of a household insurance policy
There are many insurers offering home contents insurance. Not all of these products are the same in terms of coverage. A higher premium does not mean that it is necessarily a better product for you. A relatively low premium may appeal to you, but it may also involve a relatively high excess. It depends on your personal and financial situation which cover is most appropriate.
Insurers exclude certain items from coverage. It is good to compare this as well. For example, damage caused by intentional acts/omissions or gross negligence. It is also possible that other causes of damage are excluded. This can be found in the conditions of the insurance. Before you take out home contents insurance, think carefully about what your wishes are. This will make it easier for you to compare different providers and make the right choice.
What is excluded from coverage?
Insurers exclude certain items from coverage. It is good to compare this as well. Think of damage caused by intentional acts/omissions or gross negligence. It is also possible that other causes of damage are excluded. This can be found in the conditions of the insurance. Before you take out home contents insurance, think carefully about what your wishes are. This will make it easier for you to compare different providers and make the right choice.
Home contents insurance refused
Are you actually going to take out contents insurance? Has the insurer cancelled an insurance policy in the past or do you have a CIS registration? If so, it is important that you mention any particulars when you apply for the insurance. This enables us to submit the application directly to the right insurer.
Is your application refused by a regular company? Alpina cooperates with De Vereende. De Vereende is a company willing to insure special risks, where regular companies drop out. De Vereende will always accept your application, but the premium is higher than for a regular insurance.
We can request a no-obligation quote for your household contents (and other insurances) from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone, even in case of non-payment in the past. The condition is that you pay the first 3 months in advance. You can only take out insurance with De Vereende through an intermediary.
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