Getting the keys to your new home soon? Congratulations! You can start packing and moving. Moving house often affects your insurance policies. Fortunately, with these 3 checks you can be sure that you are and will remain properly insured.
Check that you still have the right cover and insurance policies. We've listed the insurance checks for you below.
Check that you still have the right cover and insurance policies. We've listed the insurance checks for you below.
Moving house involves a lot of organisation. Your insurance policies also move with you. Inform us of your new address and family situation and check that your insurance policies match your new living situation. This keeps you properly insured with the right cover and prevents double insurance and underinsurance.
Your new home needs to be insured from the moment you receive the key. If you have two properties for the time being because you're still living in your old home while you're decorating in your new home, for example, contact us to make sure you're properly insured at both locations.
Your belongings may get damaged during your house move. Fortunately, your belongings are insured before, during and after your move with home contents insurance. That means you can move house with peace of mind.
If you rent your property, you do not have to have home insurance. If you have bought a flat, home insurance is often arranged by the Home-owners' Association (VvE). When you buy a house, you have to take out home insurance. This is very important.
Buying a house, moving house and renovating involves a lot of organisation work with lots of different parties. For that reason, it's wise to take out legal expenses insurance. What if you come across hidden defects? Or what if you get into a conflict with a contractor? Legal expenses insurance helps you sort this out and reimburses the costs of legal assistance.
When you buy a home, you should always take out a new home insurance policy. This means you are properly insured for damage to your home and belongings fixed in and to your home caused by incidents such as burglary, fire and storm. Remember to cancel your current home insurance policy, if you have one.
Flat
If you're buying a flat, home insurance is often arranged by the Home-owners' Association (VvE).
New build
Buying a newly built house? During the construction work, a yet-to-be-installed central heating boiler, kitchen or bathroom are usually covered by the builder's own insurance. However, once the construction work is complete, you have to have proper insurance in place.
From purchase to rental
If you're moving from a purchase property to a rental property, you will no longer need home insurance. Make sure you cancel it once you have sold the property.
Buying a lot of new things for your new home? Make sure you check that your home contents insurance cover is still correct once you have moved house. You can find this information on your policy or online.
During your house move
If you're still living in your old house during your house move, any belongings that are already in the new home are also covered – but only if you report your move to us within 14 days. Once you move into your new home, any belongings you have left in your locked home will be covered up to a value of €5,000.
If you have a separate bathroom or kitchen in the empty new home before your house move, you can insure it against burglary for up to 21 days under your ABN AMRO home contents insurance. For any damage, there is an excess of 10%.
When you buy a house, it is a good idea to take out life insurance – especially if your housing costs have risen and young children are moving with you. If you take out life insurance, your next of kin will not be left with a mortgage debt they cannot pay.
If you're moving house and you have an ABN AMRO car insurance policy, your premium may change. This is because the amount of the premium partly depends on your postcode. The new premium will be specified on your new policy. Contact us if you want to know in advance how much your new premium will be.
If you start driving less, you can often save money on your premium by adjusting the mileage you drive each year. You change the mileage in a few simple steps by changing your cover.
