Theft

Theft is one of the four basic risks covered under contents insurance. The theft cover includes losses due to burglary, robbery, snatch theft and often also pickpocketing and theft by trickery as well as simple theft. Robbery is a form of theft. It means that theft is committed with the threat or use of violence against the policyholder or a person living in the same household (depending on the General Insurance Conditions). Theft committed when the victim is unable to offer resistance due to death, unconsciousness or accident is also considered as robbery. If household contents and parts of the building are damaged during a break-in, they are usually also covered under theft insurance (consequential damage due to vandalism).