Insurance for your circumstances

Insurance advice from Sittard

RFD helps clients in Sittard and the surrounding area, from Echt-Susteren to Maastricht, discuss their insurance questions. You can contact us personally about your current cover or a change in your circumstances. Book an appointment in advance for an office meeting.

What do you want to protect?

Insurance can cover certain financial consequences of damage or loss. It does not remove every risk or automatically pay for every event. Consider which consequences would be difficult for you to bear yourself. A new home, different car, trip or change in your family can be a reason to review your existing insurance. RFD helps you set out the questions for that assessment.

At home, on the road and damage to others

For your home, the distinction between the building and the belongings inside matters. For a car, its use deserves attention as well as the chosen level of cover. When travelling, destination, duration and activities can matter. Personal liability insurance concerns certain damage to others in your private life. These subjects have their own terms and deserve a focused question rather than a general package promise.

Home: the building, your belongings and changes to your home.
Car: use, level of cover and excess.
Travel: destination, duration and particular activities.
Liability: damage to others in your private life.

For your home insurance question, read how buildings, contents and owners' association cover differ.

For your car's cover, use and excess, read more about insuring your car.

Going away? Read which questions about destination, trip duration and activities to discuss beforehand.

Income and dependants

Some questions concern consequences beyond damage to a possession. How will your household manage housing costs with a lower income? What financial resources will dependants have if someone dies? The answer starts with existing provisions, income, debts and your own funds. Insurance is one option to consider; premiums, terms and restrictions must be clear.

A lower income may affect your housing budget; read more about housing costs after a loss of income.

Compare more than the premium

Consider what is insured, which events are excluded, the excess and the limits on payments. A lower monthly premium may come with different terms. Keep your policy schedule and terms so you can see which arrangements apply when circumstances change or a loss occurs. The service comparison card for financial services does not replace this product information. If you are unsure about specific cover, ask for an explanation of your actual policy.

Your existing insurance and claims

Want to review your insurance package? Bring the key details of your policies and the changes in your circumstances to a meeting. We agree which information is needed and what work and costs any services involve. Have another insurance question? RFD discusses which services fit your enquiry.

If damage or loss has already occurred, use the online claims portal. Reporting a claim does not confirm cover; the relevant policy and the insurer's assessment determine how it is handled. The information on this website is general and does not replace personal advice.

Have another insurance question? Discuss it with RFD.

Have damage or loss to report? See how to report a claim.

Frequently asked questions

What is the difference between buildings and contents insurance?

Broadly, buildings insurance concerns the building and its fixtures; contents insurance concerns your belongings. The specific policy terms determine borderline cases, exceptions and payments.

When is it useful to review my insurance?

For example, when moving, changing your car, a family change or new travel plans. An overview of existing policies can also help without a major change.

How do I report a claim?

Use the Report a claim page. It opens the existing external claims portal. Follow the instructions and do not send medical information or identity documents through general contact channels.

Where can I find what my insurance covers?

In your policy schedule, terms and any additional agreements. Ask for the version applying to your insurance; general information on this website does not confirm cover.

This is general information, not personal insurance advice or confirmation of insurance cover. What is suitable and covered depends on your circumstances and the policy terms. Read the disclaimer.