What are the costs of contents insurance?
You are exploring the possibilities of household insurance. It may be that you can't see the wood for the trees, because there are many insurers who all charge different premiums. Of course, it is important for you to know in advance what the costs of the contents insurance will be in order to make a decision.
How do I calculate the value of my household effects?
The value of your household contents is important to know in order to calculate your household contents insurance. The premium is determined by the value of your possessions. Many insurers use the Content Value Meter to estimate the value of your possessions.
Do I have to pay the premium monthly?
The premium for the home contents insurance is usually paid monthly and by direct debit. With most insurers, you can also indicate that you wish to pay the premium every quarter, six months or annually.
Is there a lot of difference between insurers when it comes to the cost of home insurance?
When comparing different providers, please note that you are not comparing apples and oranges. You can only make a good comparison if the policies are comparable in terms of content and cover. A low premium does not automatically mean bad cover and a high premium does not automatically mean the best cover.
Alpina works with several insurers. Therefore, we can easily compare for you so you can make the best choice. You can also do this yourself through our website.
Can the insurer change the premium of my home contents insurance?
Once a year, all insurers look at the total claims payments and put them next to the total premium receipts. This can be a reason for them to increase the premium for all policyholders: if they have made more claims payments, than they have received premium, then this is a loss situation for the insurer. They make the necessary premium adjustments in this case per the contract expiration date.
The premium of the contents insurance could also change when you move house or have the sum insured adjusted. Such changes could increase or decrease the risk to the insurer, which could affect the premium.
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