Simple theft away from home: what is it?
What is simple theft away from home? Comparis explains what can and can’t be insured. Find out how much the insurance costs.
25.07.2024
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1. What is simple theft away from home?
“Simple theft away from home” is a form of supplemental insurance for home contents insurance. It covers theft outside your home.
As an example: you close your eyes on the train for a few minutes. During this time, a thief takes the laptop from your bag. The “simple theft away from home” add-on covers any losses.
Simple theft at home: what does home contents insurance cover?
Was your house broken into and robbed? This kind of theft is already covered by home contents insurance.
Generally speaking, the maximum amount paid out is limited. You can choose how high the amount is. In most cases, it’s around 2,000 francs. The insurer often applies a deductible.
For example, your new mobile phone, worth 1,200 francs, was stolen while you were travelling. With “simple theft away from home” cover, your home contents insurance will pay 1,000 francs.
Valuables insurance for particularly valuable items
You can insure valuable items such as instruments or camera equipment with valuables insurance. Other maximum values apply to compensation here.
3. How much does it cost to insure simple theft?
How much the additional cover costs varies depending on the insurer and the amount insured. “Simple theft away from home” usually costs between 30 and 80 francs extra per year.
4. Simple theft insurance: when doesn’t it pay out?
In the event of theft, the insurer won’t always pay out. The following examples of theft away from home usually aren’t covered:
Motorcycles and certain e-bike models
Cash
Lost or misplaced items
Check the general contract conditions to find out what your insurance covers.
This article was first published on 30.05.2023
