What is not covered by household contents insurance?
Certain matters are excluded from coverage by default. For example, damage caused by intentional acts/omissions or gross negligence. In principle, money and monetary instruments are also excluded from coverage, but are usually reimbursed up to a maximum amount. In addition, damage caused by catastrophes is also excluded from coverage.
All exclusions can be found in the terms and conditions and any clauses of the insurance policy. Before taking out an insurance policy, it is wise to read this carefully. This will make it easier for you to choose between the different insurances and to make the right choice. Of course, our staff can also help you with this.
How is the value of the contents calculated?
The value of the household effects is calculated with the help of a household value meter. With this a global estimate is made. A household value meter often has a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to notify your intermediary or insurer of your underinsured loss with each purchase.
Can I compare contents insurance premiums?
On our website, you can easily calculate and compare household insurance premiums. You can also contact our staff by telephone.
Please note that we require information about the home and its contents and that you should have this information ready. You can also compare and contract other important insurance policies, such as liability insurance, on our website.
Content insurance is offered by many different insurers. They often differ in terms of coverage and the premium can also differ per insurer. A higher premium does not always mean that this product has a better cover. A low premium may be more attractive for you, but usually there is a relatively high deductible. It depends on your personal and financial situation which cover is most suitable for you.
Do I have to take exclusions into account?
It is good to compare, per insurer, which matters are excluded from coverage. This includes damages 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 affect the amount of the premium. Please pay close attention to this.
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?
When applying for insurance, it is important that you mention any particulars, such as an insurance cancelled by the insurer in the past or a CIS registration. This way, the application can be directly submitted to the right insurer for you. Most insurers are not able to insure you for such details. 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. One of the conditions is that you pay the first 3 months in advance. It is only possible to take out insurance with De Vereende via an intermediary. Via our website it is also possible to apply for insurance with De Vereende.
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