If the belongings you want to insure are not at your home, but for example stored offsite, then Home Contents Insurance may be the best option.
For those who want to insure belongings in their home, we always recommend Family Protection.
Home contents insurance is a combined insurance where fire insurance is the basis. In addition you can choose water damage insurance and burglary insurance.
What is covered? | What is not covered? |
|---|---|
| The insurance covers damage to home contents: | The insurance does not cover: |
Due to fire, explosion, or soot suddenly coming from space heaters or fireplaces. | Damage due to scorching or melting, for example, damage from a smoothing iron. |
If water or other liquids unexpectedly flow from the pipes in the building. | Damage caused by external water, such as groundwater, precipitation, and melting snow. |
Due to burglary of a locked apartment, storage room or summer house. | Damage due to theft committed by anyone covered by the insurance. |
The insurance policy does not cover damages caused by natural disasters.
The insurance is valid in the location specified in the insurance policy.
You must report any damage as soon as possible and no later than one year from the date of the damage.
You must ensure that all the information in the insurance policy is accurate.
You must inform us of any changes in your address, telephone number, and email address.
You must follow all the precautions in the terms of the insurance policy.
The premium must be paid on the due date. When the insurance policy is issued or renewed an electronic claim is created in your online bank. You have the option to distribute the premium payments by:
Credit card payment, where the premium is charged monthly to a credit or debit card.
Direct payment, where your bank account is debited monthly.
The insurance policy takes effect when an offer is accepted and is renewed annually until it is cancelled.
Individuals and companies with fewer than five full-time positions can cancel the insurance at any time and it will expire at the end of the following month after the cancellation is received. Other companies can cancel their insurance one month in advance before the end of the insurance period.
The cancellation must be in writing, for example with an electronic signature.
