The weather forecasts are good for the coming days. There is a good chance that you will visit the beach. However, on such a wonderful beach day, you may encounter some unpleasant surprises. Keep a close eye on your beach bag, but also check your insurance policies before you take your place on the beach.
During a busy day at the beach, anything can happen to your belongings. For example, while you are enjoying yourself on your lounger or towel, your belongings may be stolen. Property insurance with out-of-home coverage ensures that you are covered for this. Incidentally, this also applies to many items that would also be covered under home contents. Examples include your smartphone, laptop, tablet, money, cards and sunglasses. Out-of-home coverage doesn't just apply to the beach. As the name suggests, it applies anywhere outside your home. But there are some exceptions:
An accident is in a small corner, even on the beach. If you are lying on the beach, a Frisbee hits you on the head. On your way to the sea for a swim, you stumble because you overlook a pit. If you are just relaxing, you get stung by a jellyfish or wasp. A medical setback during your visit to the beach can just happen to you. In that case it is good to know that medical assistance is generally covered by your basic health insurance. However, you may have to pay your deductible.
On the other hand, you yourself can reduce the risk of medical complaints from the sun. Greasing well with quality sunscreen is an important and simple preventive measure. And always check for shade. Finally, we recommend that you always keep drinking enough. This does include watching out for alcohol, as it can lead to dehydration.
Curious about Schouten Zekerheid 's offer for your private insurance? We would be happy to provide a no-obligation quote! More about our Real Surety package can be found here.