IndependerTheft or burglary insurance covers your belongings if they are stolen during a burglary. But not all the stuff. Is it true that an e-bike is insured against theft, but a scooter is not, if it is in your garden shed or garage? Independer.be find out.
In collaboration with Independer 19-10-23, 13:12 Last update: 13:39 Source: Independer.be
The additional theft and burglary cover that you can take out as an extension to your tenants’ liability policy not only insures the items in your house, but usually also those in outbuildings such as a garden shed. All vehicles that you store in your garage are also included. But not every vehicle is treated the same.
Stuff stolen from your garden? This covers the fire insurance.
Fact or fiction?
It is not fiction, but fact. And quite a punishment: the second-hand scooter that your daughter bought for 800 euros is not covered by your theft insurance if it is in the garage. That is the case with your e-bike costing almost 3,000 euros.
Why the difference?
Motor vehicles and all vehicles for which a license plate and therefore insurance are required are never covered by the theft insurance. This concerns cars, motorcycles and also speed pedelecs that drive autonomously faster than 25 km per hour. You must have a license plate for it, and therefore also insurance. This is not the case with a regular e-bike that travels less quickly and does not need to be insured.
Would you like to insure your motorized vehicle optimally? Compare car insurance policies and their additional guarantees here.
Is every bicycle covered?
The answer is more nuanced than ‘yes’. Quite a few insurers have special conditions that you must meet to be covered against theft. For example, some insurers require that the bicycle must be secured with a lock even in a closed space such as a garage, which is altogether absurd.
In addition, quite a few companies apply a certain maximum amount in terms of insured value. This varies enormously, from 3,000 euros to higher. But both some e-bikes and expensive racing bikes have a higher purchase value. So be sure to check the general terms and conditions of the theft and burglary insurance to see what applies to your bicycle.
What is the solution?
This consists of taking out separate bicycle insurance. If you have an expensive bicycle or e-bike, it is worthwhile to opt for separate bicycle insurance, just like for a speed pedelec. This not only covers you against theft in your garage, but also outside your home. In many cases, roadside assistance is also included.
Compare insurance? With Independer.be you can compare various insurers and easily switch to an alternative that suits you better.
Read more on Independer.be:
Is it cheaper to have one insurer instead of several? And do you automatically receive a discount?
Fire insurance often also covers locksmith costs
Is your home insured against damage caused by floods? This 18-month period plays a crucial role
This article was brought to you by our partner Independer.be.
Independer.be is an independent comparator that helps you compare and take out insurance, telecom packages and other fixed costs.
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2023-10-19 11:12:12
#Fact #fiction #expensive #ebike #insured #garden #shed #daughters #scooter
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