Is a telephone covered on a contents insurance?

How far does the all-risk cover go?

The coverage goes pretty far. Water damage to your phone is insured in contents insurance. Accidentally knocking over a can of paint on a rug is also insured. Being responsible for the damage yourself is no problem for compensation. It becomes a different story if you throw your cell phone into the toilet on purpose.

Often a high deductible applies

To prevent the insurer from having many small claims to deal with, there is often a high deductible. For example, you pay the first €100 or €150 of damage yourself. In this way, the insurer prevents many small claims that add up to a large amount. Even more important is the prevention of high costs to handle the small claims. With a small claim, the handling costs are often much higher than the claim payment.

Choosing the all-risk option for the phone alone

Comprehensive contents insurance is recommended for the smartphone alone. After all, a phone gets damaged quickly. A torn front of a phone may already cost you hundreds of euros. Dropping the phone gives a high chance of damage.

What about a laptop and the contents insurance?

You can take your laptop with you wherever you go, and so it falls under household contents. But is your laptop properly insured with home contents insurance? Insurers apply a number of conditions here.

Does it make sense to compare contents insurances?

Yes, it is! The differences between household insurances are large. This is true for both the coverage and the premium. In order to make this transparent, we compare household insurances as well as motor insurances.