With home contents insurance, your belongings in your home are insured in most cases. Items such as your brand-new furniture or your bicycle in the shed are insured against damage or loss due to things like theft, fire or a storm. Find out what is and is not insured and take out home contents insurance straight away.
First find out what is covered. And what is not. Then tell us a little more about your situation.
Your premium is calculated based on your personal situation, for example your family situation or type of home. This will give you peace of mind that you are well insured.
Once you have completed the steps above, you will be shown your premium. You can then log in and take out the insurance.
First find out what is covered. And what is not. Then tell us a little more about your situation.
Your premium is calculated based on your personal situation, for example your family situation or type of home. This will give you peace of mind that you are well insured.
Once you have completed the steps above, you will be shown your premium. You can then log in and take out the insurance.
You will only have to pay an excess in the event of:
Damage from rainfall or overflowing water, such as a leaking water pipe: €220
If you select all-risk cover when applying for the policy, you will have an excess of €100 for specific all-risk claims. This excess also applies to the additional all-risk cover for mobile devices and personal possessions.
In addition, you can select a voluntary excess of €100, €250 or €500. This additional excess applies per incident. You will receive a discount on your premium, but you will also receive less compensation in the event of a claim. If you apply for home contents insurance online, you will not receive an offer for a voluntary excess. However, you can select this after the application process is complete. You will receive more information on this.
In the Netherlands, your belongings in your home are insured by a guarantee against underinsurance. It does not matter what the value of your home contents is at the time of the damage. For some incidents, different amounts apply:
A maximum insured amount of €150,000 per case or collection always applies. Check the policy and terms and conditions to see which maximum amounts apply for specific items and events.
Do you have valuable household effects? From 1 March 2023 you can take out additional theft cover by telephone. Then these insured amounts apply:
If your damage is covered, other costs will be reimbursed as well, such as reasonable expert fees and costs you incur in order to reduce or prevent imminent damage. To find out which costs are covered, please call us in advance. View the terms and conditions for the scope of cover and exclusions.
Want to find out how much you will be paid in the event of a claim? The depreciation list (only in Dutch) shows you the average lifespan of each product and the depreciation rate per year.
Premium
The premium is specific to each situation and can vary depending on the type of house you want to insure and your family situation.
Commission
ABN AMRO Bank N.V. provides personal customers with non-life insurance products on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for this. You can read more about our services on our non-life insurance information sheet .
Administration fee
When you apply for a policy with ABN AMRO for the first time, you will be charged an administration fee of €0.69 (including insurance tax) for collecting the premium, which may be done monthly or annually. If you already have another non-life insurance policy with us, you will not be charged an additional administration fee.
Insurance tax
You will be charged 21% insurance tax on the premium and costs for the ABN AMRO home contents insurance. This amount will be included in the calculation of your premium.
The basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also insures all damage caused by other sudden and unexpected events – even if they arise due to your own fault. You might accidentally knock over your television, for example. With all-risk cover, you will have an excess of €100 for all-risk claims. Some damage is never insured, such as damage caused intentionally. The terms and conditions specify what is and is not covered.
Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy.
During the online application process
During the online application process, you select either basic or all-risk cover. After your application, you can always change your home insurance policies (e.g. from basic to all-risk cover) or expand it (e.g. with personal possessions cover). If you apply for your home contents insurance in addition to your home insurance, the same cover applies to both: basic or all-risk.
If you would still prefer to have different cover per insurance, please contact us for a personal quote.
When you apply for your home contents insurance, you can select additional cover:
Mobile devices cover (basic and all-risk)
Mobile devices cover gives your mobile phone, tablet, laptop and smartwatch all-risk insurance against dropping, knocking or theft of your phone in the Netherlands. Both inside and outside of your home, up to €7,500 per incident. You can select this additional cover if you have basic or all-risk cover. Please note that if you select the all-risk home contents insurance, you will only have basic cover in the home for mobile devices as standard. This means you are insured against damage caused by fire or burglary, for example. However, you are not covered for things like falls and knocks. If you want to insure your mobile devices with all-risk cover as well, you need to select additional mobile devices cover. You will have an excess of €100 per incident for all-risk claims relating to your mobile devices.
Personal possessions cover (all-risk only)
Want to have proper insurance for your musical instruments, jewellery, watches and sports equipment (such as your golf set or kiteboard) outside of your home in the Netherlands? With all-risk personal possessions cover, these items are insured all-risk in the Netherlands against incidents such as loss and theft. Up to €7,500 per incident.
Glass cover (all-risk only, for flat owners and tenants)
If you select all-risk glass cover, damage is also covered if your child throws a ball through your window, for example. Special glass types such as stained glass or processed glass is covered up to a value of €1,000. If you only have glass damage, no excess applies. If you select all-risk cover when requesting the policy, you will have an excess of €100 for all-risk claims. This excess also applies to all-risk claims under additional cover.
Read the terms and conditions carefully first so you have all the information you need before you decide.
If you took out your ABN AMRO home contents insurance policy before 4 September 2006, find out more about the cover and terms and conditions that apply to you (in Dutch).
If you took out your ABN AMRO home contents insurance policy between 4 September 2006 and 29 April 2012, find out more about the cover and terms and conditions that apply to you (in Dutch).
If you took out your ABN AMRO home contents insurance policy between 29 April 2012 and 19 May 2019, find out more about the cover and terms and conditions that apply to you (in Dutch).
