Insure your phone
Cover for your mobile devices under your home contents insurance
Your mobile phone is an essential part of your daily life, so what happens if it gets stolen or dropped by accident? Replacing or repairing your phone can be very expensive. That is why lots of people choose to insure a phone. However, those types of insurance policies are often pricey. The mobile devices cover is part of the ABN AMRO Home Contents Insurance and is usually much cheaper.
Mobile devices cover
Surfing the internet, sending app messages, making payments and streaming videos online... Nowadays, you can use a mobile phone to do just about anything. So what happens if your phone gets dropped or stolen? On top of the panic and inconvenience, you often need a new device. A telephone is an essential and expensive possession. Mobile devices cover insures you against theft of, dropping and knocking your phone.
More than just your smartphone
Mobile devices cover gives your mobile phone 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 event. The policy also insures the following devices:
- computer equipment, laptop, tablet and smartwatch
- photo, film, sound and video equipment
- smartphone, mobile phone and e-reader
- binoculars and telescope
When are mobile devices insured?
Home contents insurance with basic or all-risk cover
- Fire, smoke and explosion in your home
- Storm and rainfall in your home
- Collision by a motor vehicle at your home
- Falling tree, crane or part of it on your house
- Insured for theft from home up to €7,500
- Theft outside your home in the Netherlands up to €7,500
- Fall or bump
Home contents insurance with mobile devices cover
- Fire, smoke and explosion in your home
- Storm and rainfall in your home
- Collision by a motor vehicle at your home
- Falling tree, crane or part of it on your house
- Insured for theft from home up to €7,500
- Theft outside your home in the Netherlands up to €7,500
- Fall or bump
Excess
Adding mobile devices cover to your home contents insurance means you will have an excess of €100 per event for damage caused by dropping or knocking. Example: your phone falls out of your pocket, causing the screen to crack. If the repair costs €80, that €80 falls under your excess. If the repair costs €250, you will receive a €150 reimbursement.
Frequently asked questions
What should I do in the event of damage or theft?
You should report damage online. Do not throw your damaged smartphone away before you have received final notification of reimbursement from your insurer. The insurer may want to have an expert look at the phone so that they can properly assess the damage. Alternatively, the insurer may reimburse you for the damage by having the phone repaired by their own repair shop.
If your smartphone gets stolen, you must report the incident to the police and send a copy of the official report.
When do I take out mobile devices cover?
You can take out mobile devices cover at any time. You can only do this if you have home contents insurance (both basic and all-risk).
Is my telephone covered by my home contents insurance?
With home contents insurance, your phone is only insured for the standard damages, such as fire, explosion and escaping water. Theft is only insured in the event of a burglary. Falling and bumping of a mobile device is only insured with the mobile device coverage.
If your phone is stolen or lost during a fire in your home, this damage falls under the basic cover. You do then not have to pay an excess. The cover for the all-risk home contents insurance is the same cover as under the basic coverage. In some situations, you will have to pay an excess. For example, in the event of water damage to your phone after a water pipe bursts in the house. Your policy excess is then €220. You are only covered at home for the events listed in the terms and conditions of the basic cover. Check your policy to find out your excess. Alternatively, log into Internet Banking, go to 'Self service' and check there whether you have an excess on your insurance policies.
What falls under mobile devices cover?
If you have mobile devices cover, all damage to your mobile devices caused inside and outside of the home is covered. Unless the terms and conditions specify that something is never covered, for example in case of intent. This includes damage caused by theft, fire and storm as well as damage caused yourself by dropping or knocking the mobile device. In some situations, you will have to pay an excess. For all-risk damage such as dropping or knocking, you will have to pay an excess of €100 per event. Check your policy to find out your excess. Alternatively, log into Internet Banking, go to 'Self service' and check there whether you have an excess on your insurance policies.
What is never insured under mobile devices cover?
Check the terms and conditions of the home contents insurance (PDF, 737 KB) to see which things are never covered, such as damage caused intentionally, a deteriorating battery and small scratches on your mobile phone that cause it to malfunction.