Due to climate change, winters are getting milder. The KNMI expects that this will reduce the risk of slipperiness in winter. The risk of frost damage will also decrease. What does increase is the chance of extreme snow showers. During those showers, an extreme amount of snow falls in a short time. This can cause damage; For example, because roofs collapse. It can also happen more often that the frost suddenly sets in. This can lead to frost damage in crops. In combination with rain, it can also lead to sleet damage.
Private
Dwelling
Assured:
Most private home insurance policies cover damage from snow and frost. This applies to:
- Water damage, caused by taps or pipes being broken during frost.
- Damage to the roof and the contents of the house due to snow pressure from above.
- Damage to walls pressed by snow pressure from the side.
- All-risk insurance covers damage to walls pressed by crumpling ice.
Not insured:
- Damage due to poor maintenance.
Car
Insured, provided that there is a hull or all-risk insurance:
- Damage to the car, caused by an accident due to road freeze.
- Personal injury to occupants and driver caused by an accident due to road freeze.
- If the roof of the garage has collapsed due to snow: damage to the car.
- No influence on bonus/malus scheme.
Businesslike
Buildings and inventory
Optional insurance:
- Water damage, caused by taps or pipes being broken during frost.
- Damage to the roof and the contents of the house due to snow pressure from above.
- Damage to walls pressed by snow pressure from the side.
- Damage to walls pressed by crumpling ice.
Not insured:
- Damage to crops and the like (there are other insurances for that).
- Damage to fences and materials on the site due to snow pressure from the side.
- Damage to walls, fences and materials on the site due to crumpling ice.
- Damage due to poor maintenance.
Company car
Insured, provided that there is a hull or all-risk insurance:
- Damage to vehicles caused by an accident due to road freeze.
- Personal injury to occupants and driver caused by an accident due to road freeze.
- If the roof of the garage has collapsed due to snow: damage to vehicles.
- No influence on bonus/malus scheme.
The information on this website is based on the often standard applicable extensive conditions. It is possible that you and your insurer have deviated from this.
This product is made possible by the Ministry of Infrastructure and Water Management.
