Is contents insurance mandatory?
It is not compulsory by law to take out household contents insurance, but it is certainly advisable. With contents insurance you insure the loose items/properties in the house. These include furniture, clothing, lamps, audio equipment and much more.
It is important to know the exact value of your possessions. Often it is worth more than you think. What if a fire or other unforeseen event were to force you to buy everything again? You can imagine that this would be a major expense.
How is the value of the contents calculated?
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.
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.
How do I apply for contents insurance?
Via www.alpina.nl you can easily apply for contents insurance yourself. You can also contact our staff by telephone for this purpose.
What if there are peculiarities?
Should you actually want to apply for household contents insurance, please 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. Most insurers usually do not have options for you in the case of such particularities.
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, including those who have defaulted on payments 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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