What is out-of-home coverage?
With outdoor coverage, your belongings are insured not only indoors, but also outdoors. This covers damage caused by theft, for example. Please note that this coverage is only intended for items that are actually used outside such as: a video camera, mobile phone and sports equipment. A sofa, for example, cannot be insured with this coverage.
Is out-of-home coverage extra on my contents insurance?
It varies by insurer whether this coverage is included with household contents insurance. Because more and more portable electronic items will be added in the future and this will become more and more normal, insurers will increasingly offer this coverage as an extra option. So for you, this means that you will pay more premium for this additional coverage.
With this coverage, there can always be exclusions. So it is important that you always read through the terms and conditions of your coverage. In fact, it is quite common for cell phones to be excluded. It is also useful to check what the coverage area is. Does the coverage only apply to the Netherlands or worldwide?
Is theft from my car insured?
It depends on which insurer you took out your out-of-home coverage with. Some insurers will reimburse you for damage caused by theft from your car, while others will not. You can check this in your insurance terms and conditions. In general, when insurers cover this damage, you should have a higher deductible. In addition, the burglary must always be provable. For example, you can take pictures of the burglary.
Taking out household contents insurance? Calculate your premium!
How can I calculate the premium for contents insurance?
You can easily calculate the premium for contents insurance yourself. You can do this with a handy calculation tool on our website. However, you will need to have some personal information at hand. In addition, you can always contact our staff by telephone. We can be reached on weekdays from 08:00 to 18:00 on 085 - 029 5179.
Details indicate
When you want to apply for contents insurance, you should always mention details. Particulars include, for example, insurance cancelled in the past by an insurer or a CIS registration). If you have such particulars, it is often impossible to get insurance from most insurers. However, there is one insurer that does accept almost everyone in such particulars. We have contacts with this insurer and can request a no-obligation quote for you. De Vereende does have a condition for accepting someone with special features. It is that if you take out insurance here you must pay the first 3 months in advance.
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