How do I file a claim for damage or theft?
With contents insurance you are insured for damage to your household goods. What should you do if you have damage and how do you get reimbursed by the insurer?
To recover damage to your contents from the insurer, you take out contents insurance. If a damage is covered by the insurance policy, you can submit the bill to the insurer. Be aware that there are major differences between contents insurance policies. Some insurance policies have more generous compensation than others. How can you claim a loss?
What is insured in contents insurance?
There is sometimes confusion about what exactly is covered under contents and what is covered under buildings. Normally, you insure everything nailed to the house on building insurance, also known as home insurance. Anything not attached to the house is considered contents. So a kitchen falls under the buildings insurance and a loose cabinet falls under the contents insurance. Most contents insurance policies offer what is known as "extra comprehensive coverage. Causes of damage that fall under this coverage are:
There are also all-risk contents insurance policies. These policies offer broader coverage. This usually includes your smartphone.
How do you claim a loss on contents insurance?
When you have damage to your contents, you would prefer to report it as soon as possible so that something can be done about it. The quickest way to report damage is to call the insurer. The insurer will probably ask you to fill out a claim form. This is because the form serves as evidence for the claim report and it provides a record of the facts. Based on a completed claim form, the insurer can pay a claim amount. After receiving the claim form, the insurer will process the claim.
Taking out household contents insurance? Calculate your premium!
When will you receive the claim amount?
After the insurance company receives the claim form from you, they start assessing the claim. The settlement of the claim varies from case to case. You may receive the claim amount within a few business days. However, it may also take several weeks. If the damage is extensive, an expert will probably be called in. This can determine the cause of damage and the amount of the claim.
Submit the claim form fully completed
When filing a claim, the claim form is more important than most people think. Make sure the form is filled out as completely as possible. Questions and ambiguities run the risk of having the form returned to you. Are you unsure if you need to fill out certain questions? Then contact the insurer or intermediary. Not filling out the form completely can seriously delay the claim settlement.
You can also compare household insurance policies
Comparing car insurance to save money has already become fairly commonplace for many Dutch people. Comparing contents insurance can also pay off. The premium differences between insurers are also large for home contents insurance.
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