Does my home contents insurance apply when I move?
You are going to move house. This means that you will be carrying valuable items. In doing so, things can unexpectedly get damaged or even break. Are you insured with your current home contents insurance when you move? We will be happy to explain it to you!
Will my current home insurance policy remain valid?
Yes, you can take your current home contents insurance with you to your new home. It is important, however, that you inform your insurer of your new residential address. Your new address can have consequences for your current home contents insurance. Because you may live in a more risky area, your premium may suddenly increase. It is also possible that you have bought new furniture for your new home. This will also affect the value of your household contents. It is advisable to recalculate the value of your household contents with the household value meter.
Tips for moving
- Please pass on your new address. You can do this easily, look here to changeyour address.
- Check whether you are insured with the removal company. Check under which conditions you are insured.
- Do you temporarily have two addresses? If so, please inform your insurer. It is usually the case that you are not fully insured.
- Do you want to cancel your current home contents insurance? Please note that insurers use a notice period. Most insurers allow you to cancel a contract after one year. However, this differs per insurer.
Are my possessions insured during a removal?
When you start lugging your household effects around, there is a chance that they will be damaged. In some cases your belongings might even fall apart completely. The coverage of your household contents insurance when moving house can differ per insurer. When you are planning to move, it is advisable to check the terms of your insurance policy well in advance. It is also advisable to hire a removal company if you have a lot of valuable items. A removal company is always well insured against unexpected damage. A removal company will not reimburse you for any damage you cause while loading or unloading your furniture or while assembling it.
From renting to buying
When you move from a rented house to a commercial property, there are a number of things you need to bear in mind. For an owner-occupied home, you need buildings insurance as well as contents insurance. Home insurance protects your home against damage to the ceiling, for example. When you move in the opposite direction, i.e. from a private home to a rental home, you only need home insurance.
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