How to make a claim on the contents insurance?
With contents insurance, you are insured against damage to your household effects from certain causes. How do you get the damage compensated by the insurer? What do you have to do?
You take out household contents insurance so that you can recover damage to your household contents from the insurer. In the event of damage caused by an insured party, you can pass on the bill to the insurer. But take care! There are large differences between home contents insurances. One insurance company may give a higher compensation than another. What is the situation and how do you claim a loss?
How do you claim a loss on the contents insurance?
The quickest way to report a claim is to call the insurer. The insurer will probably ask you to fill in a claim form. The form serves as evidence for the claim report and provides a record of the facts. On the basis of a completed claim form, the insurer will pay the claim amount. Upon receipt, the insurer will process the claim.
What is insured in the contents insurance?
There is sometimes confusion as to what is contents and what should be insured in the policy for the home. Normally, you insure everything that is attached to the house on the home insurance policy. Everything that is not fixed to the house is considered household effects. So a built-in cupboard falls under the home insurance and a loose cupboard falls under the contents insurance. Most Content insurances offer a so-called extra comprehensive coverage. Here you can think of a coverage against:
- Fire
- Burglary and theft
- Storm and hail damage
- Certain forms of water damage
There are also all-risk household insurances. These insurances offer a broader coverage. For example, damaging a smartphone by dropping it is even insured within this type of insurance.
How long does the payment take?
After the report, the insurer will assess the damage. They may pay out within a few working days, but it can also take weeks. Especially in case of a large claim, an expert will be called in. He or she can determine the cause of the damage and the amount of the claim at your home.
Send in the claim form fully completed
A claim form when reporting a loss may seem like a formality, but don't take it lightly. Make sure the form is filled in as completely as possible. If there are any questions or ambiguities, the form may be returned to you. Do you doubt whether you should fill in certain questions? Please contact the insurer. Not filling in the form completely can seriously delay the claim settlement.
You can also compare household insurances
Comparing car insurance in order to save a lot of money has become quite common among most Dutch people. Comparing home contents insurance can also be beneficial. The premium differences between insurers are large.
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