Does home contents insurance (inboedelverzekering) have an excess?
Usually there is, and you can often choose the amount yourself. It is one of the few levers with which you can steer the premium.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
How it works
The excess applies per event. Two separate claims in a year means bearing that amount twice.
Some policies have a different amount per section, for instance higher for storm or water damage.
Where it sometimes falls away
With glass damage there is often no excess. It can also fall away where a third party is liable and the cost is successfully recovered.
That is stated on your policy schedule. It differs greatly from insurer to insurer.
How to choose
A higher excess brings the premium down noticeably. Choose an amount you can can do without any difficulty at the moment something happens.
Do the sums: if a five hundred euro excess saves you thirty euros of premium a year, you only get that back after a good fifteen claim-free years.
For small claims
If the damage is just above your excess, claiming gains you little. Always report it, but work out whether pursuing the claim is worth it.
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Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Is there always an excess?
Usually there is, but with glass damage often not.
Does it apply per year or per claim?
Per event; two claims means the excess twice.
Can I choose the amount?
On most policies you can; higher means a lower premium.
When does it fall away?
Sometimes with glass damage, or where a third party is liable and the cost is recovered.
What is a sensible amount?
An amount you could comfortably do without when you have a claim.
Should I claim for small damage?
Always report it; only pursue it if the amount is worth it.