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Sports equipment · hobby equipment · away from home
Insuring hobby and sports equipment
Sports and hobby equipment is rarely at home when it gets damaged. It is in a car, on a pitch or in a clubhouse, and that is exactly where home contents cover stops.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Hobby- en sportmaterieel verzekeren.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- 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.
In brief
You insure expensive sports and hobby equipment on a valuables policy, with cover away from home and against loss. Think of sports bicycles, golf equipment, diving and climbing gear, model making and musical equipment.
Your home contents insurance often covers this indoors, but hardly ever outdoors. You only notice that difference when you claim.
Hobby and sports equipment: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Use
Recreational use or competition makes a difference.
- Declare competitions
- High-risk sports
- Hiring out is excluded
Value
Sports equipment depreciates quickly.
- Period for replacement value as new
- Keep the purchase receipt
- Note down serial numbers
What is covered
| Situation | Hobby and sports policy | Home contents |
|---|---|---|
| Theft from a locked car | Sometimes | No |
| Equipment stolen at the sports ground | Yes | No |
| Damage from a fall or knock during use | Yes | No |
| Theft at home during a burglary | Yes | Sometimes |
| Competitions without a declaration | No | No |
| Wear and tear and ageing | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Away from home is the problem
Theft from a car or from the sports ground is almost always excluded on a home contents policy.
Competitions and risk sports
Taking part in competitions or using equipment in risk sports may be excluded; declare the use.
Replacement value as new or market value
Sports equipment depreciates quickly. Check how long the replacement value as new is paid.
Away from home is exactly where things go wrong
Sports and hobby equipment is rarely at home when it gets damaged: it is in the car, on a pitch or in a clubhouse. Theft from a car is almost always excluded on a home contents policy or covered only up to a low amount, and in the street there is nothing at all. That is why this policy exists.
What does your premium depend on?
- Value of the plant
- Type of sport or hobby
- Area of cover
- Use — recreational or competitive
- Security and storage
- Excess
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Is my sports equipment not already insured through my home contents policy?
Indoors, often yes; outdoors, almost never. And that is exactly where the damage happens.
Are competitions covered?
Not always. Declare the use; competitions and risk sports are often subject to exclusions.
Will I receive the replacement value as new?
Usually in the first few years, after that market value with a fixed depreciation. Check that period.
What do I need after a theft?
A purchase invoice with the serial number, a police report and photographs. Without those documents a payout is difficult.
Is my equipment not already insured through my home contents policy?
At home, often yes, up to a sub-maximum. Away from home, hardly at all, and that is precisely where the damage occurs.
Are competitions covered?
Not always. Declare the use; competitions and risk sports are often subject to exclusions or a surcharge.
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.