Is it advisable to take out contents insurance as a student?
It is not compulsory by law to take out household contents insurance, but it is certainly advisable. Also for students With the contents insurance you insure the loose items / stuff in your house or room. Examples are furniture, clothing, lamps, audio equipment, laptops 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 would force you to buy everything again? You can imagine that this is a big expense, especially as a student and when you have little or no income.
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. This prevents you from having to notify the insurer of every purchase.
How can I calculate and compare the premium for contents insurance?
Through our website you can easily calculate the premium of a household insurance. You can also contact our staff by telephone.
Keep in mind that we need information about the house and contents and that you need to have this information ready. You can also compare and take out other important insurance policies, such as liability insurance, via alpina.nl.
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 then there may be a relatively high excess. It depends on your personal and financial situation which cover is most suitable for you.
Do I have to take into account exclusions as a student?
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.
What if there are peculiarities?
If you actually want to apply, always mention any special circumstances (e.g. insurance cancelled by the insurer in the past, CIS registration, etc.) so that we can submit the application directly to the right insurer for you. In case of such special circumstances, most insurers will not be able to insure you. In that case, however, we can request a no-obligation quotation for the household effects (and other insurances) from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone, even if, for example, you have defaulted on payment in the past. A 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.
Cheap car insurance for students
Alpina also offers several student car insurance policies at the lowest premium. We are an independent broker and have no financial obligations to any company. This means that we are always looking for the product with the lowest premium and the best conditions for you!
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