How can I calculate the premium for contents insurance?
You can calculate your contents insurance premium online at alpina.nl. There are many insurers offering contents insurance. Not all of these products are the same in terms of coverage. Therefore, a higher premium does not necessarily mean a better product for you. Which coverage best suits you depends on your personal and financial situation.
How is the premium of my home contents insurance calculated?
How do insurers determine the cost of contents insurance? With a content value meter insurers can calculate an approximate value of your possessions. The content value meter was created by the Dutch Association of Insurers to easily determine the value of your possessions. The content value meter is a questionnaire about your age, income, family composition and the size of the house. The content value meter also provides a guarantee against underinsurance for a period of five years. Some insurers use a more detailed contents list.
How is the value of the contents calculated?
When you take out household contents insurance you need to calculate the value of your household contents. The premium of your insurance depends on the value of your possessions. The maximum amount paid out in the event of a claim also depends on the value of your possessions. The value of the contents is the new value of all your possessions in your home. It is therefore important that you provide an accurate value for your household effects. The higher the value of the contents, the higher the premium. However, if the value is too low and you suffer damage due to fire or theft, for example, you run the risk of having your claim reimbursed. Then you run the risk that your damage is not fully covered.
To calculate the overall value of the contents, you can use the contents value meter. Often this also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to notify the insurer of your purchase in order to be suitably insured.
Can I easily compare household insurances?
There are many insurers offering home contents insurance. Not all of these products are the same in terms of coverage. A higher premium therefore does not necessarily mean a better product for you. In addition, a relatively low premium may appeal to you, but you may then have a relatively high excess. It depends on your personal and financial situation which cover is most suitable for you.
Insurers exclude certain things from coverage, it is good to compare this as well. For example, damage caused by intentional acts/omissions or gross negligence. Other causes of damage may also be excluded. This can be found in the terms and conditions and any clauses of the insurance policy. Exclusions may also affect the amount of the premium offered.
Before taking out insurance, inform yourself about the above-mentioned topics and think about your wishes in advance. It will then be easier for you to compare the different providers and make the right choice.
Content insurance cover
When choosing a household insurance policy, you can choose from various coverages. This coverage always depends on your personal situation. Do you own art, antiques or do you have expensive photo or audio equipment? Then you can insure your valuables extra. For compensation of damage outside your home, you can choose an exterior cover. The most extensive coverage is the all-risk household insurance. This coverage also includes the damage you caused yourself.
How do I apply for contents insurance?
You can easily take out household contents insurance on our website. You can also contact our staff by telephone.
Interim adjustment of the contents insurance premium
Has your family composition changed or are you moving house? The premium may change. With every major change in your life, it is therefore a good idea to review your insurance policies and compare them.
What if there are peculiarities?
If you actually want to apply, please mention any special circumstances (e.g. insurance cancelled by the insurer in the past, CIS registration, etc.) so that we can submit the application directly to the right insurer for you.
For the contents (and other insurances) we can request a quotation without engagement from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone, also 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.
Please contact us by telephone for a quotation without obligation. At the moment, it is not yet possible to request this offer online.
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