Coverage and Compensation
Market value vs replacement value, underinsurance and what falls outside cover — read your policy before you claim.
11 guides
Topic context
What you will find here
Coverage and Compensation is part of Insurance Claims & Coverage Questions. This page brings together guides that explain when your Dutch non-life insurance needs attention, which policy conditions often matter, and which questions to prepare before a commission-free call.
Use this overview as a starting point: read the guide closest to your situation first, then note whether contents, buildings, liability, car, travel or legal expenses cover should be checked.
Pay special attention to changes in your home, household, transport, travel plans or legal risk. Those moments often determine whether an existing policy still fits, or whether the same cover can be arranged more intelligently.
The guides deliberately stay within personal non-life insurance: contents, buildings, liability, car, travel and legal expenses cover.
Within this topic you will find guides including: Underinsured in the Netherlands: The Silent Threat, Held liable: what your Dutch liability insurance (AVP) covers, Lightning and power surge: are your electronics insured?.
Also relevant within Insurance Claims & Coverage Questions
Not sure this is exactly your situation? These related topics help you view the same question from another non-life insurance moment.
Claims & Cover
All guides
Underinsured in the Netherlands: The Silent Threat
What is underinsurance (onderverzekering), how does your Dutch insurer calculate it, and what concrete steps can you take to make sure you're fully covered?
Held liable: what your Dutch liability insurance (AVP) covers
Discover what Dutch personal liability insurance (AVP) covers if you're held liable. Learn about claims, exclusions and family cover.
Lightning and power surge: are your electronics insured?
Did your TV, laptop or appliances break after a lightning storm? Find out when Dutch contents and buildings insurance cover power surge damage and how to claim
Outside-home cover for laptop, phone, jewellery: covered?
Laptop, phone or jewellery damaged outside? Learn how outside-home cover works on Dutch contents insurance, typical limits and exclusions.
Actual Cash Value vs New Value: Lower Insurance Payout?
Insurance payout lower than expected? Learn how actual cash value vs new-for-old affects your Dutch car, contents, and personal items claims — and what you can
Damage to borrowed/rented items: does liability insurance cover?
Damaged a borrowed or rented item? Learn if Dutch personal liability insurance (AVP) covers it, common exclusions, and how to check your policy.
Own Fault Damage: When Are You Covered?
Does insurance cover damage you caused yourself? Learn how all-risk car, contents, liability and buildings policies treat accidents, intent and negligence.
Damage by handyman or contractor: your insurance or theirs?
Damage caused by a handyman or contractor? Learn whether your buildings, contents or liability insurance covers it, and check the steps to take.
Travel insurance: damage, theft, baggage and cancellation cover
Damage or theft on a trip? Understand what Dutch travel insurance covers for baggage damage, theft, and cancellation. Avoid double cover via contents and credit
Moving damage: contents, movers or liability insurance?
Worried about moving damage? Learn if your Dutch contents insurance, movers or personal liability pays. Check what to arrange in advance.
Vandalism car or home: what insurance covers?
Vandalism damage to car or home? Find out what Dutch WA, limited casco, buildings and contents insurance usually cover, plus why a police report is needed.