88% of the Dutch have a smartphone, and 70% have a tablet. A growing group of people has at least two mobile phones within reach. These devices are so intertwined in daily activities that sometimes things go wrong.
Generous household insurance
Sudden and unexpected events involving smartphones, tablets, and laptops are only insured under our Royal Home Insurance. An excess of 150 euros applies to any damage. If possible, we will have the device repaired. If that is not possible, we look at the new-for-old or current value.
What is sudden and unexpected
Now it is not the case that all damages to smartphones and tablets are insured as standard. We assess whether or not there is the intent and whether it concerns a sudden and unexpected event. We want to clarify our considerations with the examples below.
- After a tiring day, take a relaxing bath. You place your tablet on edge to watch a movie or your favorite series. Your tablet will slide into the bathwater or fall onto the tile floor in a moment of inattention. We do not see this as intentional, of course, but also not as an unexpected event. Such a bath rim is not very wide, and it is to be expected that a tablet is not very stable.
- You come home and quickly put your smartphone down on a cupboard. Due to the vibration mode, your mobile will vibrate and fall to the ground. We do not see this as an unexpected event either because the vibration mode and the consequences are known.
- Your laptop, tablet, or mobile is on the floor near a socket. Then someone steps on it, and the screen is cracked, or there is some other damage. We do not see this as an unexpected event or an accident. The ground is a normal place where people stand. It is slightly different if you have deliberately chosen a place where it is almost impossible to stand or walk. Then we see it as an unexpected event.
What does the optional coverage for Mobile electronics cost?
You already have Mobile electronics coverage for €9.68 per month (incl. AT&T insurance tax, excl. package discount). With this choice coverage, mobile devices in your family are insured against drops and bumps, also, outside your home (within the Netherlands).
What are mobile electronics?
By mobile electronics, we mean smartphones, tablets, laptops, headphones, mobile navigation, smartwatches, mobile game computers, and medical devices.
What is insured in the mobile electronics coverage?
An accident is in a small corner. Fall, impact, and water damage are also insured within the mobile electronics coverage—both inside and outside your own home. You report damage via the My asr environment or to your adviser.
Traveling outside the Netherlands
Is there damage to your mobile electronics during your holiday abroad? Then the damage is covered by your Continuous Travel Insurance.
Damage to someone else’s mobile equipment
Does the damage to the mobile equipment belong to someone from their own family? Then this falls within the optional coverage of Mobile electronics. Damage to the mobile equipment of another person outside the family is covered by liability insurance.
The easy shutdown of mobile electronics
You can easily take out Mobile electronics coverage with your Home Contents insurance by contacting your advisor. Indicate when you want the cover to start. Your advisor will take care of everything else.
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