Bewust holiday home insurance through Ansvar Idea

The frost clause is a genuine condition

In the winter season, policy conditions usually require you to drain the water pipes and empty the system, or to keep the heating demonstrably running at a minimum setting. If a pipe bursts while neither has been done, the damage is not covered, however extensive the water damage turns out to be. Record when the house was made ready for winter and by whom.

Declare letting in advance

Letting is a change of risk. If, after a fire or a theft, it becomes clear that changing guests were staying in the house without this being stated on the policy, the insurer may reduce or refuse the payout under Article 7:930 DCC of the Dutch Civil Code. Damage caused by the guests themselves also often falls outside the cover, or carries a separate excess for letting periods.

Maintenance, wet rot and vermin

Timber chalets, thatched roofs and wooden terraces need maintenance. Rot, weathering, sagging beams, damage by house longhorn beetle or other vermin, and leaks through worn roof covering are excluded: these are gradual processes, not sudden events. Damage that arises because a defect was known about for some time and was not repaired also remains at your expense.

Storm hits the loose parts first

Storm damage often carries a separate excess and restrictions for items not permanently attached to the house: an awning, a sun blind, a veranda, a shed, garden furniture and the fencing. Trees blown down on the plot are usually only paid for in so far as they cause damage to the building, not for clearing away or replacing the planting itself.

Burglary & vacancy

Letting