Is theft from the car covered under contents insurance?
A household contents insurance policy usually only insures items that were in the house at the time of the incident of damage, or in an outbuilding (shed, garage, gazebo). For damage to valuables outside the house, an out-of-house coverage can often be included.
What is out-of-home coverage?
With outdoor coverage, valuables can be insured outside the home against unexpected and sudden damage and theft. This coverage is for items that are actually meant to be used outside, such as a video camera, sports equipment, a camera, a tablet.
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Sometimes this coverage is included as standard with contents insurance. However, as more and more portable electronic items are sold, we are seeing insurers increasingly offer this as an additional option. This coverage can then only be insured for an additional premium. This is usually a fixed premium, depending on the excess you choose.
Exclusions may always apply, so it is always a good idea to read the terms and clauses carefully when comparing insurance policies. For example, cell phones may be excluded. In addition, the coverage area is important: does the coverage only apply to the Netherlands or worldwide? All this kind of information can be found in the terms and conditions.
What about theft from my car?
Not all insurers offer coverage under out-of-home coverage for theft from the car car. If they do, a higher deductible usually applies. Break-in must also be demonstrable and the items must not have been in sight. This can be read in the terms and conditions of the relevant insurance. Of course, our staff can also inform you about this.
Does my car's own insurance provide coverage for theft of items from this car?
Unfortunately, car insurance does not cover theft of (loose) items from the car. The car radio, for example, really belongs with the car, so in case of its theft, you do need to report this to the car's insurer.
What should I do in case of theft from my car?
It is important to always report the theft to the police. After that, report the damage as soon as possible to your insurer or, if you are insured through Alpina, to us. Also do everything you can to prevent further damage.
How can I apply for contents insurance?
Atalpina.nl you can easily apply for contents insurance yourself. You can also contact our staff by phone for this purpose.
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