Imagine going out for a fun day out, then it is such a nice idea if you have insurance that covers theft, loss or damage to your belongings. You go out for a fun day, for example, you go to the beach or an amusement park, what insurance do you actually need for when something happens during this day? Many people think that travel insurance covers everything, but that is not the case.
On the other hand, the Netherlands is a bit over-insured in some areas. It often seems that people do not want to take any risks whatsoever. Sometimes rightly so, but also often insurance that is unnecessary, or even covered by others, existing insurance. It is of course up to you.
Day out which insurance do you need
Most people take a lot of valuable things with them during a day out such as a smartphone, camera and money. It can happen during a day out that these items are damaged or stolen. It is so nice to know that you are well insured. Your things are not insured during a day out with travel insurance.
An outdoor coverage that is covered by the household insurance insures your valuables when you go out for a day. It is true that a maximum amount applies that is insured in the event of theft of things outside the home. You can also opt for a smartphone or tablet insurance policy.
Smartphone or tablet insurance
Nowadays you can take out a smartphone or tablet insurance policy both in the store and at the insurance company. This type of insurance is increasingly being taken out, because the coverage for smartphones and tablets is now lower with travel and household insurance. It is true that insurance for a smartphone or tablet is on the expensive side. So take a good look at if you really want this before taking out such insurance.
Benefits
– If you have damage, the repair costs will be reimbursed or the replacement value will be paid out
– There are smartphone and tablet insurances where you get a loan device
Cons
– Annual costs are very high compared to purchase or repair costs of a new device
– A deductible usually applies
– Some insurers do not provide a loan device while your smartphone or tablet is under repair
– Sometimes you have a settle for a replacement device that has been overhauled (this is a second-hand repaired device)
– Often unclear insurance conditions
– Loss and theft is usually not reimbursed
Tip: Only take out a smartphone or tablet insurance policy if you really need it!
It is wise to insure only those items where you cannot or do not want to bear any costs, for example due to damage. If you can bear the costs of repair or a new smartphone or tablet, do not take out insurance.
Which property insurance with outdoor coverage can best be chosen?
It is best to opt for a home insurance policy with outside coverage where the replacement value is reimbursed. If you ever travel abroad, choose global coverage. With other household insurance your other electronic equipment is immediately insured. A disadvantage of the outdoor coverage is that it cannot be taken out separately, but only as a supplement to a home insurance policy. Pay attention! There are household insurance policies where the reimbursement is limited to a minimum or maximum damage amount.
What does the premium of a home insurance depend on?
The level of the premium for a household insurance is calculated based on your personal family and living situation. For example, do you own a home or do you live in a rental home? In the latter case, the tenants’ interest also counts.
Are you single or living together (with or without children)? You must also specify the value of jewelry, computer equipment, audiovisual equipment and whether or not you want outdoor coverage. Finally, the details of your home are important, for example what the home type is, type of walls / roof, surface and content of the home, number of rooms and whether or not there is security.
