Frequently asked questions
dekking
Is the rest of my family also insured?
When making your premium calculation, we ask a number of questions, including your family composition. The chosen family composition will then apply to all insurance policies you quote for.
Are my solar panels also insured?
Yes, solar panels on the roof are covered by our standard home insurance. It is important that the panels are nailed to the house or are on the flat roof. Loose panels in the garden are not covered on the home insurance. You are not insured for damage caused by incorrect fastening of the panels.
Do you also offer cancellation insurance?
Yes. By popular demand, it is now possible to choose cancellation insurance as an option with our travel insurance. We will reimburse €1,500 per insured person per trip.
For example: you have a family with two children. And suppose you are forced to go on a trip, we will pay a maximum of €1,500 x 4 = €6,000. This does still include your chosen excess.
There has to be, for example, death, serious illness or serious injury due to an accident of a partner or family.
What is covered by travel insurance?
Your travel insurance comes as standard with Deck. You can choose between Europe or World cover. Your luggage is insured up to €2,500. Fall ill during your holiday or have an accident? Medical expenses abroad are covered.
Do you like skiing? Then check the winter sports option! We will then also reimburse the cost of assistance such as transport off the slopes and a plaster flight. In addition, damage to your own or rented ski or snowboard equipment is insured up to €5,000. You have the option of adding cancellation insurance with a reimbursement of €1,500 per insured person per trip.
No deductible for medical expenses abroad
If you have an accident during your holiday abroad and need medical assistance abroad as a result, it will not be deducted from your deductible with Deck. In fact, we will also pay your deductible from your health insurance from this cover, should it be drawn on due to this accident, for example.
Deck chooses the best-fit cover for your car, motorbike or moped
Wa, Wa Casco limited, Casco (all-risk), choices, choices and more choices. Some insurers have a simple rule in terms of the age of your vehicle for which cover you can choose. Not exactly rocket science.
Deck does this smarter. There are 7 million cars in the Netherlands. So the choice of which cover for which vehicle has already been made very often. Based on this knowledge, we now also determine your cover. So you don't have to think about it either. Easy! If you do want a different cover, no problem. You can of course change it.
How does Deck's contents revaluation scheme work?
At Deck, we offer 3 packages. NN's package offers 5 years of new value on contents insurance. The new-for-old value is the amount you could buy the same or similar item new in the shop. For second-hand purchased items or for items more than 5 years old: the current market value. The package of a.s.r.offers the current market value if this value is less than 40% of the new value. This is determined with depreciation lists. For example, in the case of a laminate floor that is 5 years old and depreciates in 10 years. The value is still 50% of new value so you will receive compensation based on new value. With Rhion, we always assume the repair costs, unless repairing is more expensive than the current value. In that case, we assume cash compensation. Check the policy conditions for details.
Is my partner insured when travelling, even if we do not go together?
Yes, you can feel free to go away for weekends or holidays separately. The cover simply applies to all family members. You can specify your family composition while closing Deck. Children are also co-insured if they live away from home and are still studying.
Can I go through the policy terms and conditions?
We have conveniently listed all the policy terms and conditions for you.
Is there a handy overview of what is covered?
Yes. We have put all the important conditions on one A4 so you can read through them easily. If you want to read more, of course you can.
Which insurances can I cancel if I choose Deck?
Storage insurance
Basement insurance
Basement insurance
Public liability insurance
Car insurance
Motorbike insurance
Motorcycle insurance
Legal expenses insurance
Travel insurance
Moped insurance
We are constantly developing Deck and will add caravan and oltimer insurance in the future, among others. Please note that Deck is not health insurance (health insurance). Your travel insurance does include medical expenses abroad as standard.
What is insured at Deck?
All your belongings. Think of your house, your sofa, car and motorbike.
If you are held liable for damage to someone else's belongings.
Your partner and children are co-insured if you indicate this under family composition.
During your trip or weekend away, you or your family members are insured.
Legal help from DAS for traffic problems, hassles with home and matters about your work.
over Deck
Who is Gus?
Hello, my name is Gus.
I would like to make insurances logical and regain the trust of the premium payer. It's your premium so at Deck we want to be smart about that. I'm an astronaut and that helps make insurance smarter. With the use of space technology, Deck works a little easier for you every day. Technology alone isn't enough, which is why I work with our team of advisors. Nice and personal. If you have a question about a risk or insurance, ask us the stars. We respond faster than light!
I feel at home at Deck. Deck stands for stability, a solid floor under your feet, a deck. Of course, I love floating and living well. And then when something bad happens like damage or bad luck, I know there is a bottom under my feet. That bottom, that you are well insured in case of breakdown, that is Deck. We are there for you then with deck.nl and our advisors.
What do Deck's buddies do?
Deck doesn't do this alone, of course. To carry out our ideas all the way to your phone, we have not engaged the least of parties. May we introduce to you:
Risk carriers
We work together with Nationale Nederlanden, a.s.r. , Rhion & Unigarant. With their years of experience in carrying risks, you can be sure that these capital-rich risk carriers will ensure that big bad luck can be paid for.
Voogd & Voogd
Our 'ground control' that ensures we keep both feet on earth. Voogd & Voogd handles the administration. This party is a rock in the business with over 100 years of experience in insurance. Deck works with Voogd & Voogd because, like us, they are nice and efficient. This is partly because they have a state-of-the-art ICT system that they continue to develop. A perfect match therefore.
Where does Deck's Spacequarter stand?
Our Spacequarter is located in the fortified city of Gorinchem. The address is: Techniekweg 15, 4207 HC. We also have a docking station in Baarn at Brinkstraat 43. You can totally check us out at the Chamber of Commerce (70857318) and AFM (12045555).
What do we do?
At Deck, you complete your insurance directly on the internet. We make it as easy as possible for you. We do this by suggesting choices that best fit your life. This is how you build your personal "Deck". These choices are based on millions of data and years of experience of our buddies. You can set certain important personal preferences yourself, such as the coverage of your car, Europe or world coverage on your travel insurance or the amount of your deductible. You are in control. We do the rest.
How can I contact Deck?
Do you want to get in touch with Deck? We are happy to help you with all your questions! You can find our contact details on our contact page.
When can you cancel as a Deck customer?
As a Deck customer, you can cancel on a daily basis. This is quite friendly and we are convinced that customers like to stay with us. In principle, the policy taken out and its premium are valid for one year. In case of interim changes to the package, the premium may change. At the end of the insurance year, we do the Deck Check and check whether you are still well insured at the right premium. We then compare our providers and usually you are cheaper, unless you have caused damage yourself with your car, for example. That affects your bonus malus ladder, which determines part of your premium. The new premium again applies for one year.
How does the Deck switching service work?
Deck can cancel your old insurance policies for you. Of course, you may also do it yourself.
If you choose to let us do it for you, fill in the switching tool as quickly and completely as possible after your request. That way everything will fit seamlessly with your old insurance policies and you won't pay double premiums.
Make sure you have the following information to hand when switching:
Policy numbers of your current insurances
Do you have an intermediary? Then we need his/her name.
Have you already cancelled your insurance policies yourself? Super! Just let us know you've already cancelled yourself via Whatsapp (020 2621110) or an email to service@deck.nl.
Will Deck cancel my current insurance policies?
Yes. We are happy to help you transfer all your insurance policies so that you land safely with Deck and avoid double charges. For all insurances you put with Deck, we can take care of the cancellation.
Simply transfer with the free Deck Transfer Service
After you have been accepted, we will send you a link to our Transfer Service by email. If you fill in which insurer or intermediary you are currently with, we will take care of the rest! If you do not use the Transfer Service, we will assume that you have cancelled your insurance policies yourself or did not have any current policies.
When do the insurances take effect?
For a smooth switch, we take into account your current insurer's notice periods. This is often one month. Suppose you apply for Deck in January, then the standard effective date is 1 March. If you apply for Deck on, say, 2 May, we will set the effective date to 1 July. You can also choose to have your insurance take effect earlier or immediately. While taking out your insurance, you will be offered this option.
How to take out insurance with Deck
Have you decided to get your stuff insured at Deck? Within minutes, everything is sorted. And switching is easy; we can help transfer all your current insurances, so you land safely with Deck. Without double charges, of course. All you have to do to do this is let us know which insurer or intermediary you are currently insured with.
Is Deck too good to be true?
An insurance policy with better coverage, a lower premium and kick-ass service. It may sound too good to be true, but on our planet, it is possible! We just gave it a lot of thought. What was good about the old insurance world we keep, what has deteriorated in recent years we reverse and improve. So we design insurance for you that is as simple and clear as possible. Check for yourself whether Deck is right for you! You are welcome.
Is Deck something for me?
Deck is for the 'smart ones'. People who understand that insurance is only for big bad luck, the important things in life. That results in premium savings of up to 50 per cent. Deck goes back to basics: only insure what you cannot afford yourself.
Are you one of those 'smart ones'? Then it probably doesn't sit well with you that you are currently paying for things you would never claim yourself. Over 15,000 policyholders have gone before you.
Deck sticks to 3 principles.
What is the philosophy behind Deck?
The insight
The current insurance world is full of waste. Think overly complex products, small print, paper policy folders, rising fraud rates and long waiting times.
Time for change, then.
The cause
75% of claims with an insurer are under €1,000. It is precisely in these claims that fraud is rife. Insurance thus becomes complicated and expensive. Think of the small print against fraud and the many people who are busy settling these claims every day. Chances are you never use your insurance policies. That is true for most people. People who do turn to their insurers for everything are making your insurance expensive and complicated by making frequent and unjustified claims. This behaviour costs money and is unfair to the rest of the collective.
The solution
Our insurance gives frequent claimers and fraudsters no chance and rewards 'smart ones'. Deck is for people who take responsibility themselves. People who understand that insurance is only meant for bad luck. So back to basics: you the little bad luck, we the big one. We therefore offer our very generous all-in-one insurance at a low premium with kick-ass service!
This is how Deck works
Deck works according to 3 principles:
Back to the essence of insurance: insure only what you cannot bear yourself. By insuring only major breakdowns, Deck gives you a low premium. And be honest: surely you can replace those lost sunglasses by yourself?
Simplicity in product and organisation: Just one insurance, one contact, one premium per month or year. You know immediately where you stand.
Deck repairs where possible: repairing damage instead of paying out claims takes work off your hands and gives fraudsters no chance. We work with a recognised network of professionals to ensure quality.
What is Deck?
Deck is one insurance policy for all your belongings and those of your family, including liability and your continuous travel insurance. Optionally add your legal expenses, car, motorbike or moped insurance. Deck only insures the big bad luck; damage you can't just pay for on your own. After all, that is how insurance was once created: what you cannot bear alone, you do together.
How does Deck work?
We want to prevent your premium from going up on minor breakdowns, such as lost sunglasses and broken mobile phones. This keeps your premium low. Of course, we make sure you are properly insured in case of major breakdowns.
We offer, based on your personal details, a complete package from NN, Rhion or a.s.r. For travel we use NN, for mopeds and scooters we work with Unigarant. You can always call us if you want to insure specific items, e.g. a boat, caravan or something belonging to your company.
The packages of NN, Rhion and a.s.r. offer ample cover and the conditions are similar. For buildings, for example, we always offer a guarantee against underinsurance. But there are also some differences: for example, on contents, NN offers 10-year new-for-old regulation and a.s.r. reimburses the current market value as soon as the items are worth less than 40% of the new-for-old value. Always useful to check the conditions.
No deductible for medical expenses abroad If you have an accident during your holiday and need medical assistance abroad as a result, the deductible does not apply. In case of this damage, you submit the costs to your health insurer. You send the costs they do not cover to Deck.
How does this work with your vehicle? There is no excess on the third-party liability part. Damage to the other party is fully reimbursed. For your car and motorbike, it may be wise to carry minor breakdowns yourself if you caused the damage yourself. If you don't, your monthly premium will automatically go up because of the bonus-malus rule (damage-free years) that applies in the Netherlands. You have the choice of taking a high excess on the (limited) hull part of the insurance.
schade en uitkeren
Why are you repairing the damage and not just giving me money?
For 2 reasons:
1. So we can offer you the best service. Because we want you to get on with your life as soon as possible after a major breakdown. We therefore fix the damage for you. To do so, we use professionals so that we can guarantee quality. You have nothing to worry about!
2. This is how we keep the premium low. By repairing the damage, we also avoid unnecessary costs, keeping your premium low. By not paying out any money, we give fraudsters no chance. Is repair really impossible? Then you will get the new value of your belongings back, for example for your household contents. Unless your belongings are older. For your household effects, this limit is ten years. For items older than ten years, we can give you the current market value. This is the amount needed to buy similar items of the same quality and age.
What do I get back from Deck if something happens?
We repair the damage if we can, instead of transferring money. Is repairing really not possible? Then we will look at the value of your belongings and refund your money. Are your things older? Then you can get the current value.
How does Deck's claims work?To prevent Deck's premiums from being eaten up by minor breakdowns, we have found a few ways that both meet your desire for a competitive premium, but also ensure that you are well insured in case of major breakdowns or unexpected events.
For home & travel (buildings, contents, liability and continuous travel insurance), you can choose how much deductible you want to take at once. You have a choice of: €500, €750 and €1,000. The excess applies per event. Suppose something happens where you claim both your contents and home insurance, you only pay the deductible once.
How does this work with your vehicle?We have no deductible on the third-party part. The damage is then fully reimbursed to the other party.
For your car and motorbike, our advice is to bear all your minor breakdowns yourself if you are at fault for the damage. If you don't, your monthly premium will automatically go up because of the bonus malus rule (claim-free years) that applies in the Netherlands. You have the choice of taking a high excess on the hull part of the insurance. For your car, this is €300, €600 or €1,200 with NN and €500, €750 or €1,000 with a.s.r.
Example 1:Iris loses her €200 sunglasses in 2017 and her €350 bike is stolen. What does she get back?
Deck: nothing. This falls under minor bad luck.
Example 2:Bob's suitcases are stolen on holiday worth €1,200. A month later, he is unlucky again: his washing machine overflows, damaging the oak floor. What will he get back?
Deck: Bob has opted for a €500 deductible, getting €1,200 - €500 for the luggage and a professional parquet installer to fully repair his floor. As these are two different events, he also has to pay €500 deductible for his floor.
Example 3:A big storm caused Bart's roof to be blown off. This also caused water damage to his floor and furniture. Bart has an excess of €750.
Deck:The damage is claimed on the building and contents insurance. We will come and repair the damage to the roof, floor and furniture. He only has to pay the excess once because the damage falls under the same event.
Example 4:Gina has just bought a brand new Harley Davidson. It gets nicked.
Deck:She then gets reimbursed for the new-value, but has to pay €500 deductible. A small bummer, but a fresh chopper!
Example 5:Henry drives his 13-year-old Peugeot into his neighbour's car. A big dent results to both cars. Henry only has third-party insurance on his car.
Deck:The neighbour gets full compensation for his damage and Henry does not have to pay anything extra. For his own dent, he gets nothing. Depending on the amount of the damage, Henry may also decide to pay for the damage himself anyway, so he does not lose any claim-free years.
I have big bad luck, what should I do?
If you have a major break-in, follow these 3 steps:
File a police report. It's part of the job: drop by the police so they know about the break-in at your house or car accident.
Take photos. You can leave your tripod, mind you. But if you show us clearly with pictures what is going on, we can help you better.
Report major breakdowns to Deck. At the click of a button on deck.co.uk, we will get to work for you. After some reassuring words, you will get some questions from us to sort things out. The "Report Damage" button on our website will show you exactly where to go!
premie
Why don't you insure minor breakdowns?
75% of all claims with insurers are under €1,000. Small breakdowns and damages. This makes insurance unnecessarily complicated and expensive. Think of all the people who are working every day processing small breakdowns. Damages of a few tens costs hundreds of euros in terms of processing. Moreover, this often involves fraud. We want to counter this behaviour at Deck, because only then will insurance become affordable again. Besides, insurance was originally not meant for minor breakdowns.
Deck is going back to the basics as insurance was once intended; together we put money in the pot for major breakdowns you cannot pay for on your own. All the small damages like glasses you lose on holiday or you drop your phone yourself, it can all be out of pocket.
How does the Deck benefit work?
At Deck, you get a great discount by choosing a high deductible yourself and placing all separate policies with one party. This also gives you an extra discount. Moreover, the people who choose Deck are not frequent claimers. As a result, we also guarantee a very competitive premium in the long term. Together, we keep the premium low.
Own risk. How about that?
To keep your premium low, we work with a deductible. With health insurance, people often voluntarily take a high deductible. If you live and are healthy, this is economically smart. The same can be done when insuring your belongings and possessions.
The chance of bad luck is, of course, always present. Though statistically it doesn't happen very often. At Deck, we believe it is better to solve minor breakdowns yourself. You don't make your neighbour help pay for your new sunglasses, do you?"
How does this work at Deck?To prevent premiums at Deck from going up on minor breakdowns, such as broken sunglasses and mobile phones, we have found a few ways that both suit your desire for a competitive premium, but also ensure you are properly insured in case of major breakdowns or unexpected events.
We work with NN, a.s.r. and Unigarant for scooters and mopeds. With NN, for home & on travel (building, contents, liability and continuous travel insurance), you choose at once how much deductible you want to take: €500, €750 and €1,000. The excess applies per event. Suppose something happens where you claim both your contents and home insurance, you only pay the deductible once.
No deductible for medical expenses abroadOkay, still some small print, but to your benefit. If you have an accident while on holiday abroad and need medical attention as a result, it will not come out of your deductible with Deck. In fact, we will also pay your excess of your health insurance from this cover, should it be called upon due to this accident, for example.
How does this work with your vehicle?We have no excess on the third-party cover. The damage is then fully reimbursed to the other party.
For your car and motorbike, our advice is to bear all your minor breakdowns yourself if you are at fault for the damage. If you don't, your monthly premium will automatically go up because of the bonus malus rule (claim-free years) that applies in the Netherlands. You have the choice of taking a high excess on the hull part of the insurance. For your car, this is €300, €600 or €1,200 with NN and €500, €750 or €1,000 with a.s.r.
Our main principle: only insure what you can't pay for yourself. You don't have to worry about unexpected damage and bad luck. Then with us it is all hands on deck and we will go to work for you.
