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Household contents insurance as the best protection against theft on holiday - tips from financial experts
If jewelry, a cell phone or a laptop is stolen from a broken-in hotel room - or a locked holiday apartment - the residents of these rooms are lucky in misfortune. Because, according to the Association of Insured Persons BdV, this is burglary. And here household contents insurance is the best protection. This means that items brought from home that are stolen during a trip at home or abroad are insured. It is best to consult the insurance company. However, the BdV also states that some insurers exclude cash and valuables. It may be worth taking a closer look at the contract. Even those who spend their vacation...
Household contents insurance as the best protection against theft on holiday - tips from financial experts
It's best to contact your insurance company
However, the BdV also states that some insurers exclude cash and valuables. It may be worth taking a closer look at the contract.
Anyone who spends their vacation in a motorhome or has chosen a sea voyage with a ship's cabin as vacation accommodation can also ask the insurance company whether the theft protection is sufficient.
Not protecting valuables is “grossly negligent”
But the ship's cabin or a locked hotel room is not always the crime scene. It can also be the beach towel on the beach or a park bench. If travelers forget or leave cell phones etc. unprotected there - i.e. not locked in or something similar - they are probably out of luck.
Because if thieves get their hands on the loot without any problems, for the insurance companies this is “grossly negligent causing damage” and the insured people who are stolen get nothing.
However, the situation is completely different when perpetrators force travelers to give up their valuables. According to the BdV, the household contents insurance classifies this as predatory extortion - and the loss would be reimbursed at the replacement value.
According to a report by www.br.de,
As a business expert, it is important to emphasize how crucial it is to check the terms and conditions of your home insurance policy before embarking on a trip. Especially when it comes to vacation trips, travelers should make sure that valuables such as cash and jewelry are included in the insurance coverage. Furthermore, it is advisable to make sure that the theft protection is sufficient for unconventional types of accommodation such as a mobile home or ship's cabin.
Another important aspect is the behavior of travelers during their vacation. You should definitely avoid leaving valuables unprotected or unattended, as this represents gross negligence and may not be covered by insurance. Travelers should always make sure to keep their valuables safe in order to be protected in the event of theft.
Finally, it should be emphasized that household contents insurance will reimburse the loss at replacement value in the event of predatory extortion. This information is important for travelers staying in areas with an increased risk of robbery. It is therefore worth checking the conditions of your household contents insurance before starting a trip and, if necessary, consulting with the insurance provider in order to be well protected in the event of theft.
Read the source article at www.br.de