With each passing year, the users have a better understanding of the coverage of our insurances, including those of the household insurance. Among them is robbery outside the home. In the face of this, there is a certain “picaresque”, and we are going to see that increasingly police are more aware of it.
Coverage and procedures for home insurance to pay out
The coverage referred to is “burglary or robbery outside the home”.”.
The specific terms speak of:
- Theftdefined as “unlawful removal or seizure (by a third party) of insured property when force has been used”.”
- Spoliationremoval by acts involving violence or intimidation of the persons having custody of them“.”
Simple theft is ruled out, which refers more to possible absent-mindedness and misplacement.
The procedures essential for the insurance to cover are:
- Report the theft to the police
- Speak to the insurance company or your broker, and provide a report and information and invoices for the stolen goods.
Home insurance fraud due to false thefts
For many years now, it has been common knowledge that some people have used home insurance to insure their homes. false thefts, for goods they had actually misplaced.
This practice is becoming more and more dangerous, not because the company can detect it, but because it is the Police who, following the complaint, investigates and is able to catch the lie
This person, having been found not to have suffered a robbery, but to have lost it in a shopping centre, exposes himself to a double offence:
- Fraud offenceby trying to lie to the insurance company, pretending to get the money back from the camera
- Offence of false accusation and false denunciationThe main reason for this is the misuse of public resources, as well as being able to impute false facts to a person who has not committed the alleged theft.
We should be aware that police stations are setting up groups of police officers specialised in investigating this type of case. 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 of declared content, when we go out on the street we are not covered for that amount.
The limit for robbery cover ranges from 150 € up to the capital we have chosen: 500 € - 1.000 €.
In addition, the cash limit may be even lower, as well as the limit for mobile phones.
For this reason, we should know that if we take out the policy online with the company or we are pending on these details or the insurance could be very expensive. From PIB Group Iberia we have been working for decades with many home insurance companies, so we will help you to find the right one for you. complete policy with the best conditions.
