Insurance house theft, I have to register my expensive laptop with the insurance before if it costs about 3000 euro and for example someone breaks?
No!
In case of damage, you only have to prove that you have been in possession of the stolen goods.
- Invoice
- Images,
- Witness,
etc…
Just watch movies with your mobile phone, your apartment ;-)
In case of damage, of course, you will need to prove the value of the damaged / stolen item. With a laptop of 3.000 euro you usually have an invoice and can prove that you have paid him.
You do not have to register individual items.
In case of a case, it is important that you can prove possession and value. In the best case you still have the bill. The one raises so in such expensive things anyway, always on, alone wg. Warranty claims.
If you do not have a bill, you'll have to credibly prove otherwise that you were in possession of this laptop before the break-in.
Furthermore, it is important that you are not underinsured overall. Otherwise you risk deductions, despite the existing bill.
You are underinsured if the replacement value of your complete household goods (clothing, technology, electronics, foodstuffs, etc.) is higher than the insured sum that you provide in the household insurance. The insurance would then reduce the benefit in the same proportion. Example:
New value of your household: 50,000 euro
Sum insured of your household contents insurance: 25,000 euro (50% underinsured)
Laptop stolen: worth 3,000 euro
Compensation of insurance: 1,500 euro
You can also complete a certain amount per m² of living space. Then your insurance waives the deductions for a possible underinsurance. The sum depends on the provider, usually 650 Euro - 700 Euro per m².
Sunny greetings from Cologne
Lydia from the DEVK social media team
Since when is this and why does my household verse demand. Sun proofs not?
Even with a fire, when seven towels are gone, I have to procure neither bills nor anything to get back 7 new.
Please what?
Oh, Max, how about if you were stinking somewhere else today?!
Of course it's true what I write.
If I did not violate the DSVGO, then I could show you dozens of cases of your HUK requesting this evidence.
Please stop spreading such a cheese and enjoy this beautiful sunny day…
Oh, whoever tells the truth is either right or stinks, then I'm really calmed down again.
What better things can come from you?
