Got questions? We’ve got answers

We reimburse the repair costs or reconstruction value of your home. If rebuilding is not possible or allowed, we reimburse the sale value or demolition value instead. If you disagree with the damage assessment, you may appoint your own expert (after consulting Glider Insurance).

Yes. Damage to your garden and plants is insured as standard up to €30.000, for example after fire, storm, collision, lightning, air traffic incidents, or falling trees.

Home Insurance does not cover damage caused by:

• Earthquakes, volcanic eruptions, war, or nuclear reactions
• Construction defects or insufficient maintenance
• Gradually occurring damage
• Deliberate acts or illegal activities

Flood damage caused by the failure of primary flood defences is also not insured.

Yes. Coverage may be limited:

• If water enters through open windows or doors.
• During renovation or construction work.
• If your home is vacant or unoccupied for more than one year.

These situations must always be reported.

Only if you choose the optional Rental cover. This applies whether you rent out your home short-term (up to 60 days per year) or long-term. During rental periods, only Comprehensive cover applies even if you normally have All-risk cover. Without Rental cover, your home is not insured while rented out.

Yes, depending on your choices:

• Storm damage: €0 or €250
• All-risk cover: €0, €100, €300, or €500
• Rental cover: €250

There is no excess for glass damage.

The insurance starts on the date stated on your policy and runs for one year. After the first year, you can cancel via your authorised agent or insurance adviser, effective on the date you choose.

Glass Insurance covers the repair of broken glass that is part of your home and intended to let light through. This includes standard window glass, certain plastic materials that serve the same function as glass, and even non-translucent glass used as balcony partitions. Repair costs are fully covered when the repair is arranged via the appointed service provider.

No, there is no excess for Glass Insurance, unless explicitly stated otherwise in your policy schedule or special clauses. This means approved glass repairs are covered without you having to pay a deductible.

Glass Insurance does not cover damage caused intentionally, during renovation or construction work, or due to poor material quality (such as insulating glass becoming opaque). Glass in vacant buildings (empty for more than one month), damage from natural disasters, fire, or explosions is also excluded.

Contents Insurance covers all loose items in your home, such as furniture, appliances, clothing, and electronics, against damage caused by events like fire, theft, burglary, storms, precipitation, and leaks. Coverage applies to homes in the Netherlands.

The maximum insured amount is €175.000. Items up to 6 years old are reimbursed at replacement value. Older items are reimbursed at current market value, based on a depreciation list. You can choose to extend replacement value coverage to 12 years.

Yes. Jewellery is insured up to €7.500 as standard. If your jewellery is worth more, you can insure it for a higher amount. Certain high-risk items may have maximum reimbursements listed in the policy conditions.

Accidental damage caused by falls or impacts inside your home is covered if you opt for All-risk cover. For example, if furniture tips over or an item falls and breaks.

Yes, but only to a limited extent. For additional protection outside the home (for example, for valuables or electronics), you can take out optional Outdoor Cover.

Contents Insurance does not cover damage caused by:

• Earthquakes, war, or nuclear reactions
• Wear and tear or construction defects
• Gradually occurring damage
• Deliberate damage or fraud
• Broken glass itself (unless additional Glass cover is taken out)

No. Water damage is not insured if, for example, rain enters through open windows or doors. Coverage may also be limited if your home is unoccupied for a longer period.

There is no excess for damage covered by Comprehensive cover.

If you choose optional covers (such as All-risk, Outdoor Cover, or Mobile Electronics), you can select an excess of €100, €300, or €500 per incident. When renting out your home, an excess of €250 always applies.

The insurance starts on the date stated on your policy and runs for one year. After the first year, you can cancel via your authorised agent or insurance adviser, effective on the date you choose.

Cyber Insurance covers the digital consequences of cybercrime, such as malware infections, phishing, identity theft, and unauthorised online transfers. It includes expert support, financial compensation, and help with data recovery and malware removal.

You are insured for up to €5.000 per event and per insurance year combined. There is no excess (deductible) for Cyber Insurance claims.

Coverage applies to computers, laptops, smartphones, tablets, and wearable devices such as smartwatches. Smart home devices (like cameras, alarms, or lighting systems) are not covered.

No. Cyber Insurance does not cover physical theft or damage of devices. It focuses on the digital impact, such as data loss, malware removal, identity recovery, or device replacement when malware cannot be removed cost-effectively.

Yes. You have access to Cyberwacht, a specialist helpline, for advice on prevention, security, and incident response, even if no direct financial loss has occurred.