When children move out – Part 2
13 June 2018, text: Natascha Fabian, photo: gettyimages
Moving house is often very stressful. Narrow doorways don’t help either, and can quickly result in damage to furniture or other items. If other people’s property is damaged, things can get complicated. Helvetia Youth Insurance offers an individual package and covers you against potential risks, whatever stage in life you're at.
Already met Chantal?
We’re following Chantal for four weeks as she moves out of her parents’ house into her own place. When moving house last week, Chantal realized how hard it is to transport and build furniture (see Part 1). This time, she's leaving the task to the furniture store employees, but is happy to help them.
Take care when transporting furniture
Chantal is moving from her parents’ house to a shared flat. The furniture from her old bedroom is already in her new room. Chantal has also ordered some new furniture which she is having delivered and built. She is helping the furniture store employees to build the furniture. This is easy for the employees, but Chantal has greatly overestimated her abilities. It happens while she’s building some shelves. She can no longer hold the shelves and they fall right onto some expensive headphones belonging to one of the employees. The headphones break in two from the force of the shelves. And it's Chantal's fault.
What happens next for Chantal:
Chantal has no private liability insurance
When you leave home, there's more to think about than just the move itself: you need the right insurance, too. Private liability insurance covers damage caused by you to other people’s property. But since Chantal doesn't have any insurance, she needs to pay for the damage herself.
Chantal has private liability insurance
Chantal planned her move down to the last detail and took out Youth insurance. Private liability insurance is included in the package, and covers damage caused by you to other people’s property.
Here's what you do if you have a claim:
- Report your claim immediately by phone (058 280 3000) or online
- Submit photos of the damage as well as any other documents relating to the damaged item (such as a receipt)
- The claims department examines the case, and will contact you and possibly also the injured party
In some cases, you don't need to be contacted and you receive confirmation directly. Please note: Keep the damaged item until you have received confirmation from the claims department.
