To file a household contents insurance claim, gather photos, receipts, and relevant reports, such as police or fire brigade reports, depending on the incident. Submit the claim online by providing event details, damage description, documents, and your bank details. Claims typically take 2 to 4 weeks to process. Locksmith costs are not covered.
How do I file a claim for household contents insurance?
To file a claim for household contents insurance after damage or loss, follow these steps:
Take clear photos of the damaged or lost items.
Write down a detailed account of the incident.
Collect receipts for the damaged items. If receipts are unavailable, provide descriptions including brand, model number, purchase price, purchase date, and purchase location.
What documents are required to support my household contents insurance claim?
You need to provide specific reports based on the type of incident:
For burglary, robbery, or bike theft: an official police report.
For fire damage: a fire brigade incident report.
For tap water damage: proof of cause such as a plumber's report or repair invoice.
For storm or hail damage: the date, time, and location of the event.
How can I submit my household contents insurance claim online?
Submit your claim by following these steps:
Log in to your insurance account on the official website.
Access the claims section and select 'New claim.'
Enter the date when the damage or loss occurred.
Choose the appropriate claim type.
Describe the incident in detail.
Upload photos, receipts, and relevant reports.
Provide the total claim amount and your personal IBAN for reimbursement.
How long does it take to process a household contents insurance claim?
Claims typically take between 2 and 4 weeks to process. The insurer will notify you once the claim is received, when it is processed, and when the reimbursement has been sent. Additional information may be requested to complete the claim.
Are locksmith costs covered by household contents insurance?
The cost of a locksmith breaking into an apartment is not covered by household contents insurance.