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Dramatic theft on Lake Zurich: Shipyard is not liable for engine damage!
The theft of a boat's hull engine on Lake Zurich raises questions about the liability of the shipyard and insurance. What rights do those affected have?
Dramatic theft on Lake Zurich: Shipyard is not liable for engine damage!
A theft on Lake Zurich is causing controversy and raising legal questions. One night an outboard motor was stolen from a boat while the boat was parked at a shipyard for service. The police secured the evidence and filed a complaint, but to this day there is no trace of the perpetrators. The boat owner now faces the challenge of repairing the damage.
However, the shipyard operator does not see himself as responsible because he has no insurance. He argues that his liability would only apply to breach of contract or negligence. In the present case, he received and parked the boat properly, which is why he sees no fault in the theft SRF.
Inadequate insurance coverage
The boat owner has not taken out comprehensive insurance because the boat has not yet been redeemed after the repair work. For this reason, he will have to cover the costs of a new engine himself in order to be able to use the boat.
In such a case, comprehensive insurance could have covered the damage, but this insurance is not available at the moment. This raises the question of whether sufficient precautions have been taken to protect against such risks. A future action by the boat owner will be to select a shipyard with a lockable boat shed to prevent such incidents in the future.
Relevant insurance information
In the context of this incident, it is important to note which insurance policies may come into play in similar situations. Not all insurance policies are suitable for most types of theft. For example, theft from a car is covered by motor vehicle insurance if it involves permanently installed vehicle parts. Liability insurance, on the other hand, does not cover theft damage, as the analysis by dasfinanzen.de shows.
In the event of a break-in, household contents insurance covers the new value of the stolen items, while simple theft is not always covered. This means that the boat owner may not be able to be compensated for the theft of their equipment for several reasons. The situation highlights the need for comprehensive insurance for owners of valuable items.
In summary, theft of the outboard motor has not only financial but also legal implications. The boat owner is faced with the challenge of both replacing the lost equipment and ensuring that they are better protected in the future.