If your roof is damaged during a storm or your water pipes are damaged by frost, there’s no need to worry. Our home insurance covers your home for the most common major sources of damage, such as break-ins, fire, storms and lightning strike.
Home insurance is ABN AMRO Schadeverzekering N.V.’s insurance policy that covers your home’s structures and permanent fixtures and fittings. With the basic cover, your home is also insured against fire, storm, lightning strike, vandalism, a vehicle colliding with your home, a tree falling on it and more. Read the terms and conditions.
If you took out your Home Insurance before 29 April 2012, your policy and its terms and conditions will be a little different.
If you took out your Home Insurance before 15 October 2018, your policy and its terms and conditions will be a little different.
Home insurance is for personal customers of ABN AMRO who own their own home in the Netherlands. Self-employed professionals' home offices for are also covered (up to 1 room).
When you buy a flat or apartment, the owners’ association (Vereniging van Eigenaren: VVE) will generally have already taken out home insurance, meaning you do not need to do this yourself.
Holiday homes are only covered if you live there permanently.
If you would like to take home insurance, you will need an ABN AMRO current account. The premium for your home insurance will be automatically debited from this account.
The premium for your Home Insurance will be automatically debited from this account.
You are insured for damage caused by:
For full details of what is covered, please read the terms and conditions.
You are never covered for damage or losses that arise as the result of:
For full details of what is covered, please read the terms and conditions.
Compulsory excess
Home insurance is subject to compulsory excesses, such as an excess of €220 for water damage and storm damage.
If you have all risks cover, the compulsory excess is €100 per all risks claim.
We will never apply more than one compulsory excess to the amount paid out under a single claim. Which excess will be deducted depends on the cause of the event.
Voluntary excess
You can also opt for a voluntary excess, in which case you will receive a discount on your premium. You can choose from the following excess amounts:
The voluntary excess will be added to any compulsory excess that applies.
Premium
How much premium you pay depends on what you would like to have covered. Calculate your premium easily.
Commission
ABN AMRO Bank N.V. provides personal customers with non-life insurance products and advises them on behalf of ABN AMRO Schadeverzekering N.V. ABN AMRO Bank N.V. receives a fee of 20% of the premium for this. You can read more about our services on our non-life insurance information sheet (Informatieblad Schadeverzekeringen).
Policy fee
You will receive one policy document for each type of insurance. The policy fee is €4.39 (including insurance tax). If you have another non-life insurance policy with ABN AMRO, you will not need to pay an additional policy fee if you take out ABN AMRO Home Insurance in this package.
Administration fee
If this is your first ABN AMRO non-life insurance policy, you will be charged an administration fee of €0.69 (including 21% insurance tax) for collecting the premium, which may be done monthly or annually. If you already have another non-life insurance policy with ABN AMRO, you will not be charged an administration fee this time.
Insurance tax
You will be charged 21% insurance tax on the premium and costs.
When you take out home insurance, you will have basic cover as standard, but you can also opt for all risks cover.
If you take out all risks insurance, your home will be covered against other risks as well, including accidental damage caused by an object falling or impacting on a part of your home. Some situations, however, are never covered.
Here are a few examples of what is also covered under all risks:
Please note: all risks insurance does not cover all instances of damage. The following, for instance, are not covered:
For full details of what is covered, please read the terms and conditions.
Please note that the all risks cover has a compulsory excess of €100 per all risks claim.
You have a standard guarantee against under-insurance if your home is damaged as the result of a covered event. If your home or a part of your home is a total loss (e.g. your home has been totally destroyed by fire), you will be reimbursed for all the damage.
Please note that other costs in addition to the covered damage will be reimbursed. For full details of what is covered, please read the terms and conditions.
Reimbursement of additional costs - no need to consult
The following costs are reimbursed in the event of a covered loss without you needing to consult with ABN AMRO Schadeverzekering N.V. in advance:
Reimbursement of additional costs - need to consult
The following costs are reimbursed in the event of a covered loss if you consult with and gain approval from ABN AMRO Schadeverzekering N.V. before incurring the costs:
For full details of what is covered, please read the terms and conditions.
If you take out 3 or more insurance policies with ABN AMRO, you will qualify for a package discount of up to 5%.
You can choose whether to have the insurance policy commence immediately or at a later date. The start date can be up to six months into the future.
You can cancel your policy free of charge within 14 days of taking it out. Simply send the policy to the following address (no stamp required):
Antwoordnummer 9000
8000 VB Zwolle
Terms and conditions for the Home Insurance.
If you took out your Home Insurance before 29 April 2012, your policy and its terms and conditions will be a little different.
If you took out your Home Insurance before 15 October 2018, your policy and its terms and conditions will be a little different.
Need to submit a claim? Don’t panic! We’re here to help. ABN AMRO customers can submit claims 24/7. Make a claim without any fuss.
Good to know: solar panels and charging points that are weighed down or attached to your home are covered as standard.
You have a standard guarantee against under-insurance if your home is damaged as the result of a covered event.
