Hema

Yes. Since February 26, 2024, Hema non-life insurance policies have been carried out by InShared. InShared is an online insurer within the Achmea group. Your policy formally still runs under Hema, but you manage and handle claims through InShared.

No. Your coverage and your premium remain the same, you remain well insured. What changes is where you manage your policy and report claims: that now goes through InShared. You start at verzekerdbijhema.nl.

Typically covered are theft after burglary, fire, water and storm damage, and damage due to an accident at home such as dropping your phone. With the additional mobile electronics coverage, your device is also insured outside the home. Check your policy conditions for your exact coverage.

Only with the additional mobile electronics coverage. The standard all-risk contents insurance mainly covers damage in and around your home. For damage on the street, in public transport or while traveling, you need the additional coverage.

A fallen phone at home is covered under standard all-risk contents insurance. A broken screen after a fall outdoors is covered only with the additional mobile electronics coverage. Wear and tear and cosmetic scratches are always excluded.

Yes. Water damage from a spill or an accident at home is covered under the standard all-risk contents insurance. For water damage outside the home, you need the additional mobile electronics coverage.

You start your claim report on verzekerdbijhema.nl, where you will be redirected to InShared where your policy now runs. For emergencies outside office hours, call the emergency center at (071) 364 1832. Have your policy number, IMEI or serial number and photos of the damage handy.

Yes. With Hema, you choose your own repairer. ThePhoneLab makes an insurance-ready quote that you submit directly with your claim. After approval, you pay for the repair and submit the invoice for reimbursement.

Usually: your policy number, a damage description, photos of the damage, the IMEI or serial number of your device, proof of purchase and our repair quote. In case of theft, you’ll also need a police report or report number.

InShared, which administers your Hema insurance, strives for fast online processing. Simple claims are often reviewed within a few business days. More complex cases may take a little longer. You will receive a confirmation of receipt with indication.

It depends on your policy. With the additional mobile electronics coverage, an excess per event may apply. The exact amount can be found in your policy conditions. Keep in mind that this is the amount you pay yourself, even in the event of an approved claim.

Theft after burglary in your home is covered under contents insurance. Theft outside the home is only covered under the additional mobile electronics coverage. Always report it to the police immediately and keep the police report for your claim.