What does the contents insurance cover in the event of theft from a car?

For a contents insurance applies that only damage within the house is covered. So all belongings are insured that were in the house during the burglary. Damage to belongings in an outbuilding (shed, garage, garden shed) is also covered. For valuables outside the house (so you take them with you on the road), you are not insured with contents insurance. To protect your valuables you can take out an exterior cover.

What is out-of-home coverage?

With an exterior cover you are also insured against damage/theft of your valuables outside your home. This cover only applies to items that you actually use outside your home, such as a camera, sports equipment, a tablet and a laptop. Please note that mobile phones are often excluded. You should therefore check carefully which exclusions apply to your out-of-home cover. Sometimes this coverage is included in the contents insurance. So always check this carefully in advance.

In the future, more and more portable electronic devices will be added, which is why insurers will increasingly offer this coverage as an extra option. This coverage can only be purchased for an additional premium. This is almost always a fixed premium, but it does depend on the excess you choose. The premium may also differ because the coverage area may be different. You should check carefully whether the cover applies only to the Netherlands or also worldwide.