Outdoor insurance: coverage outside the home
With household contents insurance with outdoor coverage, you insure your belongings against damage and theft even when you are away from home. This coverage is for items that are actually meant to be used outside. Think of a video camera, sports equipment or a camera.
Compare household insurance policiesOutdoor insurance coverage
Outdoor insurance or out-of-home coverage is additional insurance that pays for damage or loss of your belongings outside your home. This is if you often take valuables with you on the road or on location such as at a restaurant or while hiking. For example, the insurance pays if your belongings fall, are damaged or stolen while you are on the road.
This outdoor coverage is for items that are actually meant to be used outside, such as:
a video camera
headphones
a camera
cash
a laptop
glasses
What is insured with out-of-home coverage?
Coverage exclusions
Damage caused by intent, gross negligence or wear and tear is usually not covered. For example, if you leave your sunglasses unattended on a terrace while going to the bathroom.
Property with only emotional value is also often excluded from coverage. Finally, risks during activities without precautions are often excluded. Coverage varies by insurer so read the terms and conditions carefully.
Out-of-home coverage not included as standard
This coverage used to be standard in home contents insurance. Now many insurers offer it as an extra option, because people have more and more portable electronics. So you pay a higher premium for this.
Check policy terms and clauses for exclusions when comparing insurance policies. Look for cell phone coverage, for example. And does the coverage apply only to the Netherlands or worldwide? That way you can be sure you're in the right place.
Outdoor insurance premium calculation
You determine the premium of an outdoor insurance policy by the value of the items you want to insure and the level of coverage chosen. The higher the sums insured, the higher the premium. In addition, factors such as your place of residence and the deductible you choose also play a role.
Insured amounts vary from hundreds to thousands of euros. It depends on your personal requirements and the policy conditions.
The deductible on contents insurance with out-of-home coverage
The deductible on an outdoor home insurance policy is usually between €50 and €150 per occurrence depending on the insurer and the type of claim.
Theft from the car
Not all insurers offer coverage for theft from the car under out-of-home coverage. If they do, an increased deductible usually applies. Also, the break-in to your car must be provable. The exact rules can be found in the terms and conditions of your insurance policy.
Frequently asked questions about outdoor insurance
How does compensation for theft outside the home work?
For theft outside the home, you will only receive compensation if there is demonstrable burglary or signs of breaking and entering. For example, if you leave your laptop in the car and it is broken into, compensation is often possible, provided this is stated in the terms and conditions. In case of loss without signs of break-in or if you leave your belongings unattended, damage will usually not be compensated. Always read the policy conditions carefully for the specific requirements per insurer.
Are my belongings insured worldwide with outdoor insurance?
Not all outdoor insurance policies offer worldwide coverage. Some only cover damage or theft within the Netherlands, while others offer protection while traveling abroad. Check the terms and conditions to see if worldwide coverage is included, especially if you often take your belongings on vacation or business trips.
What does outdoor insurance cost on average?
The premium depends on the value of your belongings, the amount of coverage chosen and where you live. On average, the premium varies from a few euros to tens of euros per month. The higher the insured value and the lower the deductible, the higher the premium. Use a comparison site to quickly get a suitable indication.
What should I look for when comparing outdoor coverage?
When comparing, pay attention to coverage for specific items such as smartphones, laptops and jewelry. Also check whether the coverage applies worldwide and what the deductible is in case of damage. Check whether or not theft from the car or loss without burglary marks is covered. The differences between insurers are great, so always read the policy terms carefully.
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