What about contents insurance when living together without a cohabitation contract?
Chances are, when you move in together, two household contents will be combined. As a result, the value of the total number of belongings may go up. Of course, an extra bed for a possible lodger can always come in handy. Also if you are going to living together without a cohabitation contract you can take out household contents insurance. You and your partner only need to be registered at the same address. In that case, you can cancel one household insurance policy. Make sure that the insurance policy you keep covers the entire (new) household contents. It is important to always check the policy conditions carefully.
Which household insurance to cancel if you are both insured?
In almost all cases, canceling contents insurance is cheaper than keeping both contents policies. Even if you have to increase the premium of the contents insurance for additional coverage, it is usually more economical than having two contents insurance policies.
To determine which contents insurance to cancel, insurers use a rule of thumb: the shortest running insurance can be cancelled. Often it is also possible to cancel the longest running insurance. An insurance company does not have to agree to this. When canceling, always look at the price of the insurance policies and compare them. Don't always choose the cheapest one. Also, always check the policy conditions to make sure you get the coverage, you need.
It is also important to check in which cases your insurer pays out. That way you will know better where you stand.
Taking out household contents insurance? Calculate your premium!
Taking out household contents insurance when living together without a cohabitation contract
You can purchase contents insurance online easily and quickly. To make taking out contents insurance as clear as possible, what you need to do is shown below.
Step 1: Calculate the value of your (combined) household contents
To figure out the amount you need to purchase contents insurance for, you can use a "contents value meter. Here you fill in all the requested data. Based on these points, the value of your household contents will be calculated.
Step 2: Choose an insurer
Compare different insurers. Consider how high the premium is, what risks they are willing to cover and the policy terms. Do you both already have contents insurance? Then decide which of the two insurances to cancel. Of course, it is also possible to cancel both policies and take out a new household insurance policy.
Step 3: Close your insurance policy
When you have found the right insurance, it is time to take it out. To do this, enter your details with the relevant insurer. Often this can be done easily online. Should you need help with taking out household contents insurance, you can contact us by phone. We will be happy to help you!
Step 4: go carefree!
Now that you have the right insurance, you can enjoy the new home together (including contents!).
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