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Damage during your house move

These items are insured during a house move

From dropping a box or damaging the new stairs by accident, a lot can go wrong during a house move. Fortunately, with ABN AMRO's home and home contents insurance, your possessions and new home are also insured during your house move. Below we explain the situation regarding damage during a house move and your insurance policies.

Reporting your relocation damage: what to expect

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Collect the information you need

Make sure you have your policy number, photos of the damage and, if applicable, purchase receipts at hand.

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Visit from an expert

In the event of relocation damage, we sometimes send an expert to check the damage to your home with you.

ABN AMRO

Personal claims settlement

We will provide you with one point of contact who will be on hand to answer any questions you have about your damage and insurance, so you are always in contact with the same person.

Filing a claim

Reporting your relocation damage: what to expect

ABN AMRO

Collect the information you need

Make sure you have your policy number, photos of the damage and, if applicable, purchase receipts at hand.

ABN AMRO

Visit from an expert

In the event of relocation damage, we sometimes send an expert to check the damage to your home with you.

ABN AMRO

Personal claims settlement

We will provide you with one point of contact who will be on hand to answer any questions you have about your damage and insurance, so you are always in contact with the same person.

Filing a claim
counselor

How we will help you when you incur damage during a house move

  • We will provide you with one point of contact who will be on hand to answer any questions you have.
  • An expert will visit you if necessary in order to establish the precise extent of the damage together with you.
  • Emergency assistance is available 24/7.
  • If you have emergency repairs, you will be in contact with a company within 2 hours, which will repair the damage free of charge.
  • If the damage caused by the house move has made your home uninhabitable, we will make arrangements for a replacement property for you.

What is and is not insured?

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In the event of damage during your house move, you are insured against:

  • You accidentally dropping items in the home if you have all-risk home contents cover
  • You accidentally dropping items while helping friends or relatives move house, through your liability insurance
  • Your home contents are insured at two locations during the house move until you have moved into your new home
  • Storing your home contents in another closed building such as a recognised removals company is insured up to €5,000 per event
View all terms and conditions
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Not insured against damage during your house move caused by:

  • Intentional or gross negligence
  • Damage to your possessions during transportation from one location to another
  • If your furniture breaks of its own accord during the move and no longer works
View all terms and conditions
man looks at water damage in living room

Your new floor is damaged

You have redecorated your new home and want to start furnishing it. What if you accidentally drop a heavy box on your new floor? Don't worry – we'll be happy to help. If your floor is glued or nailed to the house, it is covered by your allrisk home insurance. If your floor is loose and can be removed without being damaged, it is covered by your allrisk home contents insurance.

Tell us your new address in good time

Please notify your insurer of your change of address within 14 days of the transfer date in order to remain properly insured during your house move. Your home and home contents insurance are linked to your address. This will also ensure that you receive your policy document at the correct address.


To insure two homes temporarily, please contact us .

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Frequently Asked Questions about damage during your house move

When is relocation damage covered by home contents insurance and when is it covered by home insurance?

Damage to items that are not fixed to your house are insured under your home contents insurance. Examples include a sofa, chairs and laminate floor that has not been glued or nailed to the house. Damage to the house, such as the walls, windows or a floor that has been fixed, is covered by your home insurance.

Can I insure two addresses at the same time?

If you are still living in your old home while you are doing odd jobs in your new home, you can insure two homes temporarily. Please contact us to do this.

Are my possessions also insured if they are in temporary storage?

If your possessions are in temporary storage in the Netherlands because your new home is not ready yet, then your home contents are insured under your basic home contents insurance up to an amount of €5,000 per event.

What if someone else drops my possessions during the move?

If a friend or relative accidentally drops something and you did not hire a removals company, the damage will often be insured under your friend's or relative's liability insurance.

How about hiring a removals company?

If you have your possessions moved by a recognised removals company, the company is liable for any damage incurred during the move. If there is any damage, make sure you inform the removals company straight away – otherwise, you may not be able to recover the damage from them. Please note that the removals company's liability insurance usually only reimburses the current value. Make sure you read the conditions of the removals company through carefully in order to find out whether the company reimburses the current value or the new value.

What happens if my possessions are stolen during the move?

If your possessions are stolen from your old home or your new home during the house move, the damage is insured under the basic cover of your home contents insurance.

Good to know

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Home insurance policies

ABN AMRO's home contents insurance and home insurance policies insure you against damage to your home and your possessions caused by moving house, fire, storm, flooding or a burglary.

View the home insurance policies
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Buying a home

Are you looking for a home in The Netherlands? There's a lot to consider, like a mortgage. We are ready to help you on your way.

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Moving house and your insurance policies

Relocating to a new home often affects your insurance policies. Check what you need to consider for each insurance policy when moving house and read our tips on relocation.

Moving and insurance

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