Is air conditioning contents or buildings?
A permanently connected air conditioner belongs to the structure. A portable appliance to the contents. The outdoor unit belongs to the fixed installation.
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A permanently connected
A split unit with an indoor part, an outdoor unit and fixed pipework is a permanent fixture and therefore structure. The outdoor unit belongs with it, even though it hangs on the facade.
Report the installation to your insurer. It raises the rebuild value, and anything installed since your last declaration is often not covered.
Portable
A movable appliance with a hose through the window is contents. You can take it with you and it is not fixed to anything.
What is and is not covered
Damage caused by an external peril: fire, storm, lightning strike: is covered, as is theft or vandalism of the outdoor unit. The latter happens more often than people think.
A an internal breakdown is an inherent defect and falls outside the buildings insurance. For that, the manufacturer's warranty or a maintenance contract is the route.
In a flat
An air conditioner you had installed yourself is owner's interest, and for the outdoor unit you usually need the VvE's permission. Without that permission, removal can be demanded.
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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 a fixed air conditioner part of the structure?
Yes, a split unit with fixed pipework is a permanent fixture and falls under the buildings cover.
And a portable appliance?
That is contents; it is not fixed to anything and you can take it with you.
Does the outdoor unit fall under it?
Yes, it belongs to the fixed installation.
Is theft of the outdoor unit covered?
Usually yes; it happens more often than people think.
What if it breaks down by itself?
An internal breakdown is an inherent defect and falls outside the buildings insurance.
Do I have to report it?
Yes; the installation raises the rebuild value and must have been declared.