31 July 2012 - Car insurance, Travel
While a couple dine on a restaurant terrace and enjoy a romantic sunset, a car burglar could be breaking into their vehicle. Whether they do it with a crowbar or a rock, once the thief has managed to get into the car, the photographic equipment or the designer sunglasses are gone in an instant.
Anyone who wants to avoid paying for the total expenses must take out partial cover insurance. On one hand, this insurance is valid for vehicle break-in damage. This damage frequently costs more than the value of the stolen items. Replacing a window pane or repairing an electronic door locking system can be expensive. These count as theft damages and are covered by the insurance.
On the other hand, the partial coverage insurance compensates for the stolen items. However, when taking out the insurance, additional cover for "personal effects" or "carried objects" must be purchased. The insurance provider can refuse to pay out if the driver has not made enough effort to secure the car. For example, anyone who has not locked their car will usually have to pay for the total cost of the damage. As a rule, items are insured up to a value up to 2000 francs. If this value is higher, a higher premium must be paid. It must be noted that many valuable items are not insured. These include, for example, money or jewellery. A notebook computer is also excluded by many insurance providers.
Furthermore, household insurance sometimes already includes additional cover for "theft outside the home", so checking this is recommended. Depending on what cover is included, it may be possible to claim compensation from one or another insurance provider. In any case - a report from the local police is always required.
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