Unigarant

Unigarant is a wholly owned subsidiary of ANWB. Many ANWB insurance policies are administered by Unigarant, but customer communication is through ANWB. Under own Unigarant brand policies, you are a direct customer of Unigarant.

At ANWB. If you have an ANWB brand policy, you report your damage to ANWB via My ANWB or by phone via 088 299 30 00. Unigarant is behind it, but the processing is done by ANWB.

Unigarant has a repair network focused primarily on car damage and auto glass. No explicit specific network is documented for mobile electronics. When reporting your claim, ask if you can choose your own repairer.

Yes, for mobile electronics you can generally choose your own repairer. ThePhoneLab makes an insurance-ready quote that you submit directly to Unigarant or through your advisor. After approval, you pay for the repair yourself and submit the invoice.

This is an additional module that comprehensively covers your smartphone and tablet for damage, theft and loss. With this module you are also insured outside the home. Without the module, your phone has limited coverage under the standard contents insurance.

For damage and theft of your phone outdoors (on the street, at work, in the streetcar). Without Outdoor coverage or the Smartphone and tablet module, you will usually fall outside Unigarant’s coverage for outdoor damage.

Only with an All Risk extension or the appropriate module. Basic household contents insurance does not cover fall damage caused by your own actions, including at home. Check your policy for the modules you have purchased.

Only with the Smartphone and tablet module or the Outdoor coverage. Without this extension, outdoor damage to your phone is not covered.

Water damage at home due to a spill is covered under home contents insurance. Water damage due to your own clumsiness is covered only with All Risk or the Smartphone and Tablet module.

Loss (without theft) is covered only with the Smartphone and tablet module, and even there conditions apply. Check your policy for exact coverage for loss. Under basic contents insurance, loss is not covered.

It depends on your policy and the module. The exact amount can be found in your policy conditions or check with your advisor. Keep in mind that this is the amount you pay yourself, even if the claim is approved.

First contact your insurance advisor. He or she will guide you in reporting your claim and ensure that everything reaches Unigarant correctly. If you do not have an advisor, then report directly via 088 299 38 82 (weekdays 8:30 a.m. to 6 p.m.).

Unigarant is committed to fast processing. Simple claims are often reviewed within a few business days. More complex cases may take longer. If your policy goes through an advisor, he or she will keep you informed.