Interpolis

Standard Home Contents Insurance covers damage caused by, for example, theft following a break-in, fire, lightning strikes, or scorch or melt damage. With All-Risk Home Contents Insurance, this is expanded to include: damage to items in and around your home caused by an accident, such as a phone falling or a cup of coffee spilling on your laptop.

The BuitenDeDeur Insurance is a separate insurance policy specifically for cell phones, tablets, laptops, and smartwatches. It covers damage, loss, and theft that occur outside the home in the Netherlands. If you don’t have this policy, you’ll have to rely on other insurance policies—or no coverage at all—for damage that occurs outside the home.

Only if you have Comprehensive Home Contents Insurance. Standard Home Contents Insurance does not cover damage caused by dropping items, not even at home. Check your policy in My Interpolis or the Interpolis app to see which plan you have.

For damage that occurs outside your home in the Netherlands, you need the BuitenDeDeur insurance. All-Risk Home Contents Insurance covers damage caused by falling objects only inside and around your home. Without BuitenDeDeur insurance, damage that occurs on the street is usually not covered.

Interpolis operates a reimbursement system based on quotes and invoices, which in practice means you can choose your own repair shop. ThePhoneLab will provide an insurance-ready quote that you can submit directly to Interpolis. To be on the safe side, it’s a good idea to confirm this when you file your claim.

This is often the case, especially for damage caused by a fall and under the BuitenDeDeur insurance policy. The exact amount is listed in your policy terms and conditions or in Mijn Interpolis. Keep in mind that this is the amount you’ll have to pay yourself, even if the claim is approved.

Wear and tear (such as a battery that no longer lasts as long), intentional damage, damage caused by misuse, cosmetic scratches that do not affect functionality, and software or data issues are generally not covered. Loss at home is also not covered under standard household contents insurance.

The fastest way is through My Interpolis or the Interpolis app. You can also call us at 013 580 12 34. Please have your policy number, your device’s IMEI or serial number, and clear photos of the damage ready.

After you file a claim online, Interpolis will usually contact you within 48 hours. For more complex claims, it may take longer. You will always receive a confirmation of receipt with an estimated timeframe.

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

Theft following a break-in at your home is covered under your Home Contents Insurance. Theft outside the home is only covered under the Out-of-Home Insurance. Loss (losing an item without it being stolen) is usually only covered under the Out-of-Home Insurance.

When traveling, you’re covered under the baggage coverage of your Continuous Travel Insurance. For emergencies and assistance abroad, the Interpolis Emergency Center is available 24/7 at +31 13 462 04 62.

Interpolis is a brand of its parent company, Achmea. Policies are issued and amended through your Rabobank advisor, and you report claims directly to Interpolis. This means your policy is formally in the name of Interpolis, not Rabobank or Achmea.