Knowledge
The process
How loss assessment works: value, coverage and the role of the experts.
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Replacement-as-new value, current value and depreciation
Why you sometimes receive less than the as-new price, and what the widely used 40% rule means.
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Underinsurance and the guarantee against underinsurance
If your sum insured is too low, you are only reimbursed part of your loss. This is how the proportionality rule works.
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Buildings or contents — what falls under which?
The distinction determines which insurance pays out. A simple rule of thumb gets you started.
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What exactly does the insurer's expert do?
Understand the role of the loss adjuster who comes to visit, so you know what to expect from that conversation.
Just had damage?
Call us or report your claim online. We usually respond within 24 hours.