10 June 2018, text: Natascha Fabian, photo: Helvetia
Lots of businesses have this problem. Goods are on display during business hours and often something disappears – without being paid for. But it's difficult to prove that it was theft. So what insurance cover exists for such claims? Helvetia went to a bicycle dealer to find out.
The bicycle dealer put the bikes on display in front of the shop during opening hours without securing them. If such a bicycle is stolen, the insurers refer to this as «simple theft». That can be very expensive for the dealer. At Helvetia, claims for simple theft can only be asserted for up to CHF 5,000. Important: This cover only applies during shop opening times.
Outside of opening hours, goods must be suitably secured. Helvetia recommends that expensive goods such as bicycles always be secured appropriately – i.e. even during opening times.
At Helvetia, theft is insured if the theft or attempted theft can be proven on the basis of forensic evidence, witnesses' reports or other damage. In the event of a break-in, the damage caused to buildings is also insured.
Property, goods and inventory
Helvetia offers you optimum insurance coverage for your property, goods, facilities, money assets and glazing (including costs and loss of income) or for things that have been entrusted to you. We also insure vehicles, agricultural property and livestock.