Your valuables are insured at home with contents insurance. But what if you drop your headphones on the way to the train? Or your camera gets stolen during a day trip? That’s what the Out-of-home module is for. With this module your personal belongings, and those of your household members, are insured outside the home throughout the Netherlands.
Good to know: This coverage is only available in combination with All-risk contents insurance.
"}},{"componentType":"sectionTitle","title":"What is covered?"},{"componentType":"paragraph","richBody":{"value":"In onderstaande tabel lees je welke schadeveroorzakende gebeurtenissen wel en niet verzekerd zijn.
"}},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Covered","usps":[{"body":"Damage from fire, smoke, scorching, and extinguishing","iconType":"check-mark"},{"body":"Damage by theft","iconType":"check-mark"},{"body":"Damage from storm, lightning, hail, snow, or rain","iconType":"check-mark"},{"body":"Water damage","iconType":"check-mark"},{"body":"Vandalism or riots","iconType":"check-mark"},{"body":"Accidental damage (e.g. drops, bumps)","iconType":"check-mark"}]},{"title":"Not covered","usps":[{"body":"Damage from normal use (e.g. scratches, cracks, stains)","iconType":"cross"},{"body":"Damage that occurs gradually (for example, due to wear and tear, aging, or rust)","iconType":"cross"},{"body":"Loss of valuables","iconType":"cross"},{"body":"Theft of valuables left in a car","iconType":"cross"},{"body":"Damage caused intentionally","iconType":"cross"},{"body":"Mobile electronics (can be insured separately via the Mobile Electronics module)","iconType":"cross"}]}],"title":"Covered,Not covered"},{"componentType":"sectionTitle","title":"Which valuables are covered under the Out-of-home module?"},{"componentType":"paragraph","richBody":{"value":"Covered items:
Not covered:
Note: This is a summary. For full details, refer to the home insurance policy conditions.
"}},{"componentType":"accordion","accordionList":[{"title":"Policy conditions and information documents","richBody":{"value":"View the policy conditions and information documents for a complete overview of what is and isn’t covered.
"},"textLinks":[{"url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"url":"https://verzekeringskaarten.nl/ing/inboedelverzekering","text":"Contents insurance coverage summary"}]}]},{"componentType":"sectionTitle","title":"Ten years replacement value"},{"componentType":"paragraph","richBody":{"value":"If your camera is irreparably damaged, you’ll be reimbursed based on the replacement value for ten years.
Example:
You bought a camera two years ago for €1,000. It’s destroyed in a fire. A comparable new camera now costs €800. You’ll receive €800 in compensation, enough to buy a new equivalent camera.
You insure your valuables against damage outside the home by adding the Out-of-home module to your All-risk contents insurance. The premium depends on the maximum insured amount you choose: €5,000, €15,000, or €30,000.
Already have contents insurance and interested in this module? Contact ING at 020 22 888 88, Monday to Friday from 8:30 AM to 5:00 PM.
"}},{"componentType":"sectionTitle","title":"What is the maximum reimbursement for theft or damage?"},{"componentType":"paragraph","richBody":{"value":"You choose the insured amount for your valuables: €5,000, €15,000, or €30,000 per incident. For jewelry and watches, the maximum reimbursement is always €5,000 per claim.
Note: Want to insure your mobile electronics (smartphones, laptops, tablets, wearable devices) outside the home? Then add the Mobile Electronics module to your contents insurance.
"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/mobile-electronics","text":"Read more about the Mobile Electronics module"}]},{"componentType":"sectionTitle","title":"What is the deductible?"},{"componentType":"paragraph","richBody":{"value":"When taking out contents insurance, you choose your own deductible: €0, €100, or €500.
The deductible you choose also applies to the Mobile Electronics module.
"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},{"componentType":"linkList","iconTitle":{"title":"Relevant links"},"textLinks":[{"url":"/en/personal/insurances/file-damage-claim","text":"Make insurance claim"},{"url":"/en/personal/payments/bank-accounts/become-a-customer","text":"Become an ING customer"},{"url":"/en/personal/insurances/switching-your-insurance-to-ing","text":"Free help switching banks"},{"url":"/en/personal/insurances/amend-insurance-policy","text":"Make changes to your insurance"},{"url":"/en/personal/insurances/cancellation","text":"Cancel your ING insurance"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"url":"https://verzekeringskaarten.nl/ing/inboedelverzekering","text":"Contents insurance card"},{"url":"https://verzekeringskaarten.nl/ing/opstalverzekering","text":"Buildings insurance card"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"},{"url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/71677dcad348e0a6/original/Afschrijvingslijst-ING-20230401.pdf","text":"ING depreciation list 20230401"},{"url":"https://assets.ing.com/m/497fdc9c589fc4f0/original/2336533_INGD_Verschillenoverzichten-Inboedel-en-opstal-2-0-v9-combi_v3.pdf","text":"ING home insurance differences V2.0"}]},{"componentType":"paragraph","title":"Partnership with Nationale-Nederlanden","richBody":{"value":"For this non-life insurance, ING works together with Nationale-Nederlanden. ING acts as an intermediary for this insurance and is your trusted point of contact. Through ING, you can take out, view, change, and cancel the insurance. You can also report a claim to Nationale-Nederlanden via the ING app or Mijn ING. Nationale-Nederlanden is the insurer that offers this insurance under the ING brand, exclusively for ING customers. Nationale-Nederlanden collects your premium and pays out any applicable claims. ING receives an ongoing commission for mediating this insurance in the form of a fixed percentage of the premium.
"},"textLinks":[{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]}]}}}