Should students also have contents insurance?
Taking out household contents insurance is not required by law, but it is certainly advisable. Also for students With home contents insurance you insure the loose items/property in your house or room. Here you can think of furniture, clothing, lamps, sound equipment, laptop and much more.
It is important to know the correct value of your household contents. After all, it is often worth more than you think. What if you would have to buy everything again in the event of a fire or other unforeseen event? You can imagine that this is a big expense, especially as a student and when you have little or no income (yet).
How is the value of contents calculated?
To calculate the overall value of your household contents, you can use the household contents value meter. Often it also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to make a report to the insurer with every purchase.
Taking out household contents insurance? Calculate your premium!
How can I calculate and compare the premium for contents insurance?
Through our website you can easily calculate the premium of a household insurance. You can also contact our staff by telephone.
Keep in mind that we need information about the house and contents and that you need to have this information ready. You can also compare and take out other important insurance policies, such as liability insurance, via alpina.nl
There are many insurers offering household contents insurance. Not all of these products are the same in terms of coverage. Therefore, a higher premium does not necessarily mean a better product for you. In addition, a relatively low premium may appeal to you, but there may be a relatively high deductible. It depends on your personal and financial situation which coverage is most appropriate for you.
Should I consider exclusions as a student?
Insurers exclude certain things from coverage, it is good to compare this as well. Here you can think of 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 also affect the amount of premium offered.
Before buying 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?
Should you actually want to apply, always mention any particularities (e.g., insurance cancelled by the insurer in the past, CIS registration, etc.) so that we can submit the application directly to the appropriate insurer for you. With such peculiarities, most insurers have no way of insuring you. 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 in case of non-payment in the past. A condition is that you pay the first 3 months in advance. You can only take out insurance with De Vereende through an intermediary.
For a free quote, please contact us by phone. It is not currently possible to request this quote online.
Affordable car insurance for students
Alpina also offers several student car insurance policies at the lowest premium. We are an independent intermediary and have no financial obligations to any company. This means that we are always looking for the product with the lowest premium and the best conditions for you!
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.