Home contents insurance through OOM

The risk address is the heart of the policy

Your contents are insured at the address shown on the policy schedule. If those contents move abroad, that is a change in risk which the policy conditions require you to report. If you do not, the insurer can assess at claim stage what it would have done had it known the true Situation. A change of address to a country abroad also cannot simply be processed on a Dutch policy.

The Home left behind and standing empty

A Home that is not lived in for months on end falls under the policy conditions on vacancy or unoccupancy, usually with a fall-back to fire and storm only. Theft, Vandalism and water damage then often fall away. If you let the property, that is a different situation with its own provisions, and once it is let, the contents you left behind are rarely still insured as they were.

Moving by sea or by road

Damage during the Transportation of your household goods is not a contents claim. A container lost overboard, a load of boxes arriving damp or a removal van broken into belongs on a Transportation insurance or with the remover's liability, which is almost always limited to an amount per unit of weight. Draw up an inventory list with values beforehand, because without that list the extent of the loss cannot be established afterwards.

What remains excluded at a foreign address

Even a policy that covers you outside the Netherlands excludes war situations, civil commotion and government action such as seizure or confiscation. The same applies to damage from earthquake and volcanic eruption, which in some destination countries is a genuine risk. Loss without an identifiable event and the gradual effect of damp or heat also remain outside the Cover, and the latter arises more often in tropical climates than here.

Value & stock

Machinery & installations