With each passing year, users become more aware of our insurance coverages, including those of home insurance. Among them is robbery outside the home. Faced with this, there is a certain “roguishness”, and we are going to see that the police are becoming more and more aware of it.
Coverage and procedures for homeowner’s insurance payments
The coverage we refer to is “burglary or robbery outside the dwelling”..
The specific terms speak of:
- Theft: defined as “theft or unlawful seizure (by third parties) of insured property when force has been used”.
- Spoliation: “theft by means of acts involving violence or intimidation of the persons having custody of them”.
Simple theft is excluded, which refers more to possible absent-mindedness and misplacement
The essential procedures for insurance coverage are as follows:
- Report the theft to the police
- Talk to the company or your brokerage firm, and provide a report and information and invoices of the stolen goods.
Home insurance frauds due to false thefts
For many years, it has been common knowledge that there are people who have used their home insurance policies to commit false thefts, for goods that they had actually lost.
This practice is increasingly dangerous, not because the company can detect it, but because it is the police who, following the complaint, investigate and can catch the lie
This person, when it is detected that he had not suffered a robbery, but that he had lost it in a shopping center, is exposed to a double crime:
- Fraud: by attempting to lie to the insurance company, pretending to recover the money from the camera.
- False accusation and denunciation offense: basically for improperly consuming public resources, as well as being able to impute false facts to a person who has not committed the alleged theft.
We should know that police stations are creating groups of police officers specialized in the investigation of this type of cases. Initially, in order to find the “thief”; but, at the same time, if there is no thief, the fraud can be found.
Limits on street robbery coverage
We must be aware that not all home insurance policies cover the same thing. There are certain guarantees that have what is known as “sub-limit”. This means that even if we have 20,000 euros declared as contents, when we go out into the street we are not covered for that amount.
The limit for robbery coverage ranges from 150 € to the capital we have chosen: 500 € – 1.000
In addition, the cash limit can be even lower, as well as the limit for cell phones.
For this reason, we must know that if we contract the policy online with the company or we are aware of these details or the insurance can be very expensive. At PIB Group Iberia we have been working for decades on home insurance with many companies, so we will help you find a complete policy with the best conditions.
