Find the gaps in your insurance

What is a coverage gap?

A coverage gap is something you own or a risk you run that none of your policies covers. Typical examples are a new e-bike that was never added to a policy, a rented flat without contents insurance, or no personal liability cover when someone in your household damages someone else’s property.

Which gaps does Covera check?

Covera runs 7 checks on the policies and belongings you add:

• Vehicle without a policy: a car, motorbike, bicycle or boat you added with no matching policy.
• Car without damage cover: a car policy where no own-damage (comprehensive) cover was found.
• Home without contents cover: a property you added with no contents policy.
• Owned home without building cover: a property you describe as owned (for example “owned” or “koop”) with no building policy.
• No personal liability policy in your overview.
• No travel policy in your overview.
• No legal expenses policy once you have more than 2 policies.

How does the gap check work?

Add your policies from a PDF, photo or screenshot, then add what you own on the “What is insured” screen: your home, vehicles and valuables. Covera links each item to the policies that mention it and shows a warning on every item with no policy recorded.

What is the coverage score?

The coverage score from 0 to 100 summarises how many open points your overview has. Every possible gap, possible overlap or expired policy lowers it, weighted by how serious it is, so you can see at a glance whether something needs attention.

Does a flagged gap mean I am not insured?

Not always. Covera only sees the policies you added, and some cover sits inside another policy, such as liability inside a home policy or travel cover with a bank card. Treat a gap as a question to check with your insurer, not as advice to buy insurance.