It is unfortunately all too common in the Netherlands, you will discover that there was broken into your house or that there was a prowler. The goods are stolen you will usually not be retrieved, only the financial value that can be reimbursed by your insurer. What can you expect in that case your household insurer.
What is covered by your contents insurance cover?
Almost all insurance in the Netherlands cover risk of intrusion into your home. This coverage is generally even further because most policies talk about theft from the house, usually in the policy conditions are not speaking of the fact that the theft must first have gone through fallow. This would therefore say that stealing or theft by people that you invited into your home under your contents insurance cover falls. Exception is if you rent a room for example, in this case is whether the policy expressly included in the policy conditions that there must be damage to the house of tampering before the theft of your contents insurance cover falls.
What should you do if there is a theft from your home?
Initially you must return as soon as possible to the police of the missing goods from your house. In some cases the police will investigate to make your house and further, in other cases it is sufficient if you do return to the office.
After you as soon as possible after discovering your insurer to keep themselves informed of the burglary in the house. If you entered through an insurance intermediary can suffice to inform the intermediary. After this message you will in most cases what you receive an injury report form completed and signed should return to your insurer or broker. Here you will notice from local law enforcement and must attach original receipts for the stolen goods if any. Some insurers and brokers is now also possible to report the injury and the claim form online form. It is also possible that you requested is still an addition to the online declaration written declaration.
In the first notification to your insurer will also be informed to the extent of the damage. If the estimated amount of damages above the limit of insurance expertise, respectively (typically around US$ 1900.00), the insurer may choose to enable an expert to determine the damage. The expert will call you for making an appointment. In this case your insurer not to settle the claim before passing it to the expert report in its possession.
What is the benefit determined?
If your insurer is in possession of all documents they will settle the claim could proceed. In the first instance will be given or any goods you have identified as missing on the claim are also included in the notice of report to the police. Is this not the case then you can ask your insurer still further to report it to the police for the goods that have not previously been recorded.
Your insurer can finally calculate the total benefit payable to you and, possibly minus a deductible applies. This is usually the case in large cities such as Amsterdam and Rotterdam. This is of course only the case if no other uncertainties more, sometimes a loss can lead to ask further questions. It sometimes seems unnecessary because the situation you are completely clear, a correspondent damage can only damage the paper documents from which he received from you judge. These papers can often give a different picture than you have, answering the questions will usually lead the damage still is due.
Maximum fee.
In some cases you will not get paid your full damage because there are limits for certain groups of furniture under the terms of the insurance. Examples of this is such a maximum fee for body jewelry or electronics. The amounts can be found in the policy conditions or your policy sheet. Also contact for money is basically a maximum allowance included in your policy.
Advance.
Some gangs rob actually a very empty house, they get their own house filled with the contents of your home. In such cases, besides the expensive electronics including towels, curtains and bedding stolen. In this case you will immediately have to buy new stuff to continue to live. This can lead to financial problems. In such cases you can also your advance enabled by the expert, for an advance.
Back Found furniture.
Sometimes it happens that you well after the intrusion of the police the message that the contents of your house was subsequently stolen was recovered. In this case, you should contact your insurer. Under the conditions and the Dutch legislation, these goods because you got an allowance, became the property of your insurer. Of course you can use the goods, if you wish ultimately retained, albeit with reimbursement of part of the benefit (the part that you received for the recovered goods).
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