What is not covered by contents insurance?
Certain things are excluded from coverage by default. You can think of damage caused by intentional/ gross negligence. In principle, money and monetary instruments are also excluded, but are usually compensated up to a maximum amount. In addition, damage caused by catastrophes (disasters) 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 insurance, it is smart to read this carefully. This will make it easier for you to choose between the different insurance policies and to make the right choice. Of course, our staff can also help you with this.
How is the value of contents calculated?
The value of the contents is calculated using an contents value meter. This provides a global estimate. A household contents value meter often also has a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to make a report to your intermediary or insurer with every purchase.
Can I compare contents insurance premiums?
Through our website you can easily calculate and compare the premiums of home contents insurance. You can also contact our staff by telephone.
Please note that in order to do so, we will need information about the home and contents and that you have this information ready. You can also compare and take out other important insurance policies, such as liability insurance, through our website.
Contents insurance is offered by many different insurers. Often they differ in coverage and the premium can also differ from one insurer to another. A higher premium does not always mean that this product has better coverage. A low premium may be more attractive to you, but usually there will be a relatively high deductible. It depends on your personal and financial situation which coverage is most appropriate for you.
Taking out household contents insurance? Calculate your premium!
Should I consider exclusions?
It is good to compare, per insurer, which things are excluded from coverage. These include damage caused by intentional/ 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 can affect the amount of the premium. So pay close attention to this.
Before purchasing insurance, inform yourself well about the above topics and think about what your needs are in advance. You can then more easily compare different providers and make the right choice.
What if there are specifics?
When applying for insurance, it is important that you mention any specifics, such as insurance cancelled by the insurer in the past or a CIS registration. This way the application can be submitted directly to the right insurer for you. Most insurers have no way of insuring you with such particulars. In that case, however, we can request a no-obligation quote for your household contents (and other insurances) from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone, even if, for example, you have not paid 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 through an intermediary. Via our website it is also possible to apply for insurance with De Vereende.
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