Nationale Nederlanden

Not automatic. For damage to your phone, tablet or laptop outside the home, NN requires the additional module Mobile Electronics. If you don’t have this, then you will usually fall outside the coverage for damage on the street or while traveling.

The Mobile Electronics module is an extension to your contents insurance with NN. It insures your smartphone, tablet and laptop for damage, theft and loss away from home. Whether you need it depends on how often you take your device outdoors. For regular phone users, it is often worth considering.

Yes. Since January 1, 2021, the risk-bearing status of Reaal non-life insurance has been transferred to Nationale-Nederlanden. You now report your claim to NN, even if Reaal is still on your old policy documents. Call 088 663 06 63 or report online via My NN.

The quickest way is via My NN, the NN App or the online claim form on nn.nl. By phone is also possible via 088 663 06 63 (Mon-Fri 9:00-17:00). Have your policy number, IMEI or serial number and photos of the damage handy.

Yes. With NN, you choose your own repairer. ThePhoneLab makes an insurance-ready quote that you submit directly to NN. You pay for the repair and forward our invoice, NN pays the compensation into your account.

Usually: your policy number, 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 the police report or report number.

NN strives for quick processing. Simple claims are often reviewed within a few business days. More complex cases may take longer. You will receive a confirmation of receipt with an indication.

Often yes, it depends on your policy. You can find the exact amount in My NN or your policy conditions. With the Mobile Electronics module, a different deductible may apply than on basic contents insurance.

Home fall damage is covered under an All Risk variant of contents insurance. Outdoor fall damage (on the street, in the streetcar) is covered under the Mobile Electronics module. With only the basic contents insurance, fall damage is usually not covered.

NN determines the compensation based on the value of your device at the time of the damage. For younger devices, the new value or refurbished value is often used, for older devices the current market value is used. The exact scale can be found in your policy conditions.

Loss (lost without theft) is usually covered only with the Mobile Electronics module. Under basic contents insurance, loss is usually not covered. Check your policy to be sure.

Water damage at home is covered under standard home contents insurance if it is the result of, for example, a leak or flood. Water damage caused by your own clumsiness (phone in the toilet, coffee over it) is only covered with All Risk or the Mobile Electronics module.

Log in to My NN or the NN App. There you can see for each policy which coverages are active and which modules you have taken out. Still in doubt? Ask your question to chatbot Sanne or call 088 663 06 63.