If you have any doubts, don’t worry you can add some comments at the end of the questionnaire.
If you have an underground basement it doesn’t count as a floor except if it’s “habitable” (furnished, insulated and heated).
If you have an attic it doesn’t count as a floor either, except if it’s habitable too.
Total living space:
Think about the total habitable surface of the house. A basement or an attic is not habitable unless it’s furnished, insulated and heated.
Number of rooms:
Something is considered a room if it’s furnished, insulated and heated and is bigger than 7m2.rnRooms that are bigger than 30m2 count as 2 rooms (> 60m2 count as 3, etc.). Some rooms are excluded from the total number – these include:
Outbuildings:
Everything that’s built with solid materials (concrete, stone, wood, etc.) on a concrete slab is considered an outbuilding. Everything else is to be considered an outdoor installation.
The difference between open and closed is simply the contents to be insured (it is not possible to insure contents in an open outbuilding). To be considered closed the door must have a proper (three point) lock; padlocks, for example, do not qualify.
If you are letting out your home but also intend to live there occasionally you need to declare it as either a Primary or Secondary residence depending on whether you live in that house permanently or not
Every appliance should be declared whatever you want to insure it or not.
If you have any doubts, don’t worry you can add some comments at the end of the questionnaire.
Locks
If you don’t think your lock are sufficient leave us a note at the end of the questionnaire so that we can get in touch and better advise you.
If you have any doubts, don’t worry you can add some comments at the end of the questionnaire.
What is considered a valuable item?
Watches, jewelry, precious metals (including medals or items made of precious metals), fur, collectibles / collection(s) and any item(s) worth more than 2.000€ (at current market price).
We won’t ask for proof of value upon subscription but in case of a claim that’s up to you to be able to prove the value of your items so it’s important that you have copy of invoices, certificate of conformity, etc. In order to avoid unpleasant surprises in case of a claim.
We highly advise you store only tools in your outbuildings. Valuables will never be covered if stored in a dependency so no point of declaring any here.
Anything else you want us to know? Please share your thoughts here.
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