FBTO

FBTO’s contents insurance covers your belongings in and around your home, including phones, tablets and laptops. Which damage is covered depends on the package and modules you have taken out. For comprehensive coverage choose the comprehensive package with module All Risk.

The Basic package covers common risks such as fire, burglary, water and storm. The comprehensive variant offers more coverage and is expandable with modules such as All Risk (for accidents at home) and Theft Plus (broader theft coverage).

Yes. A fallen phone at home is only covered with the All Risk module. Without this module, fall damage is not covered under the basic home contents coverage, even with the comprehensive variant.

Theft Plus extends standard theft coverage to situations not normally covered by basic contents insurance. Think theft outside the home or from a locked storage area. For exact terms check your policy.

Not standard. For damage and theft outside the home, you need an extension, such as the Theft Plus or All Risk module. Check your policy to see which modules you have taken out.

Yes. At FBTO, you choose your own repairer. ThePhoneLab makes an insurance-ready quote that you submit directly to FBTO. After approval, you pay for the repair yourself and submit the invoice for reimbursement.

The quickest way is via MijnFBTO (my.fbto.nl) or by calling FBTO’s claims number. Have your policy number, the IMEI or serial number of your device and clear photos of the damage handy.

Typically: 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. For theft, you’ll also need a police report or report number.

FBTO is committed to fast processing. Simple claims are often assessed within a few working days. More complex cases may take a little longer. You will receive a confirmation of receipt with an indication.

FBTO is an insurance brand within the Achmea group, alongside Centraal Beheer and Interpolis, among others. Your policy and claims handling run through FBTO. In the background, Achmea is the parent company.

No. Wear and tear and aging, such as a battery that does not last as long or natural decline in performance, are not covered. This applies to almost all home contents insurance policies.

Loss (getting lost without theft) is usually outside the standard coverage. With the Theft Plus module, loss may be covered under conditions, check your policy terms to be sure.