Is theft from a car covered under home contents insurance?

Sometimes this coverage is included as standard in home contents insurance. However, as more and more portable electronic devices are being sold, we’re seeing insurers increasingly offer this as an optional add-on. In that case, you can only add this coverage by paying an additional premium. This is usually a fixed premium, though it does depend on the deductible you choose.

There may always be exclusions, so it’s always a good idea to carefully review the terms and conditions when comparing insurance policies. For example, cell phones may be excluded. In addition, the scope of coverage is important: does the coverage apply only to the Netherlands or worldwide? All of this information can be found in the terms and conditions.

What about theft from my car?

Not all insurers provide coverage for theft from a car as part of their personal property coverage. If they do, an increased deductible usually applies. Additionally, forced entry must be demonstrable, and the items must not have been left in plain sight. You can find more details in the terms and conditions of the relevant insurance policy. Of course, our staff can also provide you with more information on this.

Does my auto insurance policy cover theft of items from my car?

Unfortunately, auto insurance does not cover the theft of (loose) items from the car. The car stereo, for example, is considered part of the car, so if it is stolen, you must report it to the car’s insurance company.

What should I do if something is stolen from my car?

It is important to always report the theft to the police. Afterward, report the damage to your insurer as soon as possible or, if you are insured through Alpina, to us. Also, do everything you can to prevent further damage.

How can I apply for home contents insurance?

You can easily apply for home contents insurance yourself at www.alpina.nl. You can also contact our staff by phone to do so.