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Inventory index and Rebuild value meter

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The Association makes the Contents Index and Rebuild value meter available to insurers. The use is without obligation: insurers are free to use other indices or methods.

Index of household effects

CBS (Statistics Netherlands) has developed the basis of the value index below at the request of the Dutch Association of Insurers. Each year, the established index of the past year is translated into the index for the coming year. This adjustment is standardised and makes use of the projected price and quantity development of consumer households for the current year. The Netherlands Bureau for Economic Policy Analysis publishes these annually in the Macroeconomic Outlook.

The index takes into account the price and volume development of private incomes. This means that value changes other than those caused by price changes are also taken into account.

There is a big difference between the index figure 2021 and 2022. The explanation for this is the following. In 2019, the index was calculated at 147.9. Then came the COVID crisis. The CPB assumed that consumption would fall by 5.8 percent as a result. This was because it was expected that there would be many layoffs and bankruptcies or that more would be saved. This number is part of the calculation of the index and therefore the index for 2021 fell to 138.5. However, the expected decline has not materialised. Instead, Statistics Netherlands saw a 3.4 percent increase in consumer goods in household effects in 2020. This means that, in hindsight, the index should not have fallen but should have risen. With the methodology, the Covenant always corrects all past adjustments at once in the new index. The 2022 index is therefore based on the actual indices for 2021 instead of the expected figure for 2021. For next year, CPB expects another growth in consumption and price increases. This means that the index figure for 2022 has been set at 155.7. The corresponding amount per point for the inventory value meter is 1105.82 euros.

Base year of the index is 1993 (=100).

2022

155,7

2021

138,5

2020

147,9

2019

148

2018

142,7*

2017

137,3*

2016

141,4*

2015

146,5*

2014

145,3*

2013

149,4*

2012

150,7

2011

152,4

2010

149,8

2009

146,0

2008

141,0

2007

140,9

2006

141,6

2005

142,1

2004

137,3

2003

130,8

2002

125,2

2001

120,5

2000

116,3

1999

112,9

* Calculation by the Dutch Association of Insurers (2017).

Rebuild value meter Homes

The Home Rebuild Value Meter is a useful tool for insurers and insurance consultants. This allows them to quickly and easily determine the average rebuilding costs of standard types of homes. The rebuilding value is the amount that an insured person needs to rebuild a home – if it were to be completely lost – in the same condition and according to the current building requirements.

Every year, the Dutch Association of Insurers updates the meter on the basis of the then applicable rebuilding costs. An independent technical consultancy firm provides data for this. The calculation is not based on the current daily prices. After all, these prices are influenced by wave movements in the economy. That is why the Association for the rebuilding value meter is based on the structural cost development. For this reason, we advise insurers to give the customer guarantees against underinsurance when using the rebuild value meter.

The Rebuild Value Meter is not intended for consumers. The insurer or advisor must complete the form.

Rebuild value meter 2022

The Rebuild value meter Homes 2022 can be used until 31 December 2022.
Download the Rebuild value meter Homes 2022 (in Dutch)

Rebuild value meter Homes 2021

The Rebuild value meter Homes 2021 can be used until 31 December 2021.
Download the Rebuild value meter Homes 2021 (in Dutch)

Rebuild value meter Homes 2020

The Rebuild value meter Homes 2020 can be used until 31 December 2020.
Download the Rebuild value meter Homes 2020 (in Dutch)

Last changed on: 2/3/2022