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What is not covered by contents insurance?

Insurers exclude certain things from coverage under contents insurance. These include damage caused by intentional/grievous fault. Money and negotiable instruments are also excluded in principle, but are usually compensated up to a maximum amount. Damage caused by catastrophes (disasters) is also excluded.

Exclusions can be found in the terms and conditions and any clauses of the insurance policy. Inform yourself about these before you take out insurance. It will then be easier for you to compare insurances and make the right choice. Of course, our staff can also help you with this.

 

Content insurance cover

How is the value of the contents calculated?

To calculate the overall value of your household contents, you can use the household contents value meter. Often it also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to make a report to the insurer with every purchase. Meanwhile, most insurers no longer work with a household contents value. Only your zip code and house number is sufficient to calculate the correct value.

Contract contents insurance? Calculate your premium!

How can I calculate and compare the premium for contents insurance?

Through our website you can easily calculate the premium of a household insurance. You can also contact our staff by telephone.
Keep in mind that we need information about the house and contents and that you need to have that information ready. You can also compare and take out other important insurance policies, such as liability insurance, at alpina.nl.

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 then there may be a relatively high excess. It depends on your personal and financial situation which cover is most suitable for you.

Do I have to take exclusions into account?

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.

What if there are peculiarities?

Should you actually want to apply, always mention any particularities (e.g., insurance cancelled by the insurer in the past, CIS registration, etc.) so that we can submit the application directly to the appropriate insurer for you. With such peculiarities, most insurers have no way of insuring you. In that case, however, 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. A condition is that you pay the first 3 months in advance. You can only take out insurance with De Vereende through an intermediary.
For an offer without engagement you can contact us by telephone. At this moment it is not yet possible to request this quotation online.

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