Claims check: which insurance pays?

What has happened?

Select the option that applies best to you.

Vehicle damaged Your vehicle has been damaged or you have caused damage with it.

Own belongings damaged Your personal belongings have been damaged.

Theft Something has been stolen from you.

Items lost For example, you have lost your hearing aid or expensive sunglasses while on holiday.

Building damage Your home has been damaged.

Third-party property damaged or bodily injury caused You have accidentally damaged a third party’s belongings or injured someone.

Lawsuit or legal advice You need legal advice or would like support with an expected legal dispute.

Incident related to travel Something has gone wrong before or during your trip.

Pet ill or injured Your dog or cat is ill or has had an accident.

Incident related to Internet use A loss has occurred through Internet use.

Which vehicle has been damaged?

Car Your car has been damaged or you have caused damage with it.

Motorcycle Your motorcycle has been damaged or you have caused damage with it.

E-bike capable of speeds up to 25 km/h Your e-bike has been stolen or damaged.

E-bike capable of speeds up to 45 km/h Your e-bike has been stolen or damaged.

Bicycle Your bicycle has been stolen or damaged.

Exactly what has happened?

Select the option that applies best to you.

Damage to glass For example, your car windscreen has been chipped by a stone, or the side window, rear window or sunroof is damaged.

Parking damage Your parked car has been damaged by unknown persons.

Breakdown Your car has broken down while you are travelling, and you need a towing service.

Marten damage For example, a marten has chewed through your car’s ignition cable.

Hail damage Following a hail shower your car has damage to its bodywork, for example.

Accident caused by wildlife Your car has been damaged in an accident caused by wildlife.

Car theft Your car or parts of your car have been stolen.

Damage to the car that you have caused You have caused damage to your own car, for example by hitting a post.

Damage to another vehicle You have caused damage to another vehicle, injury to another person or damage to their property with your car.

Damage with a rented car You have caused damage with a rented car.

Exactly what has happened?

Select the option that applies best to you.

Parking damage Your parked motorcycle has been damaged by unknown persons.

Parking damage Your motorcycle has broken down while you are travelling, and you need a towing service.

Marten damage For example, a marten has chewed through your motorcycle’s ignition cable.

Hail damage Your motorcycle has been damaged in a hail shower.

Protective clothing damaged or stolen Your helmet or motorcycle protective clothing has been damaged or stolen.

Motorcycle stolen Your motorcycle or parts of your motorcycle have been stolen.

Damage to the motorcycle that you have caused You have caused damage to your own motorcycle, for example by hitting a post.

Damage to another vehicle You have caused damage to another vehicle, injury to another person or damage to their property with your motorcycle.

Damage with a rented motorcycle You have caused damage with a rented motorcycle.

Exactly what has happened?

Select the option that applies best to you.

Theft from home Your e-bike has been stolen from your home, for example from the garage.

Theft away from home Your e-bike has been stolen away from home, for example from the station.

E-bike damaged Your e-bike has been damaged, for example in a fall.

Breakdown Your e-bike has broken down and you need help.

Third-party property damaged or bodily injury caused You have accidentally damaged a third party’s belongings or injured someone with your e-bike.

Exactly what has happened?

Select the option that applies best to you.

Theft from home Your e-bike has been stolen from your home, for example from the garage.

Theft away from home Your e-bike has been stolen away from home, for example from the station.

E-bike damaged Your e-bike has been damaged, for example in a fall.

Breakdown Your e-bike has broken down and you need help.

Third-party property damaged or bodily injury caused You have accidentally damaged a third party’s belongings or injured someone with your e-bike.

Exactly what has happened?

Select the option that applies best to you.

Theft from home Your bicycle has been stolen from your home, for example from the basement.

Theft away from home Your bicycle has been stolen away from home, for example from the station.

Bicycle damaged Your bicycle has been damaged, for example in a fall.

Third-party property damaged or bodily injury caused You have accidentally damaged a third party’s belongings or injured someone with your bike.

Exactly what has happened?

Select the option that applies best to you.

Water damage For example, a burst pipe has flooded your basement and damaged the property stored there.

Storm damage A storm has damaged your garden furniture.

Fire Your personal belongings, such as clothing, furniture or electrical items, have been destroyed in a fire.

Damage to items that you have caused You have accidentally damaged your own belongings; for example, you dropped your mobile phone and the screen broke.

Glass breakage Your glass items of furniture, such as tabletops, glass cabinets and mirrors, have been damaged.

Is your building also damaged?

Yes

No

Where was the item stolen from you?

Away from home For example, your purse has been stolen from your handbag during a holiday.

At home Your home has been broken into and jewellery stolen, for example.

Exactly what has happened?

Select the option that applies best to you.

Water damage A burst pipe has flooded your apartment and damaged the parquet floor, for example.

Storm damage For example, a storm or lightning strike has damaged the roof or front of your house.

Fire Parts of your building have been destroyed in a fire.

Burglary Burglars have damaged your front door or windows, for example.

Are your belongings also damaged?

Yes

No

Exactly what has happened?

Select the option that applies best to you.

Damage caused by tenant You have caused damage in your rented property, for example a scratch in the parquet floor.

Your pet has caused damage For example, your dog has bitten another person or another animal.

Injury to another person You have accidentally injured another person.

Damage to a third party’s belongings You have accidentally damaged a third party’s belongings.

How did it happen?

Select the option that applies best to you.

By car or motorcycle

In another way

Exactly what has happened?

Select the option that applies best to you.

Trip cancellation For example, you fall ill shortly before your departure and have to cancel your planned trip.

Loss of luggage Your suitcase has not arrived at the destination airport or has been stolen.

Incident while travelling You fall ill during the holiday or have to return home earlier than expected due to a family emergency.

Car breakdown or accident During the holiday you have a breakdown or accident with your car.

How did it happen?

Select the option that applies best to you.

Credit card fraud Your credit card has been hacked and money has been spent.

Online order has not arrived You have ordered and paid for an item online, but the goods have not been delivered.

Cyberbullying You have been a victim of cyberbullying and content that violates your personal rights must be corrected or deleted.

Data stolen Your e-banking account data have been stolen, for example in a phishing attack.

Virus transmitted inadvertently You have unknowingly transmitted a virus which damages your friends’ data.

Which insurance pays for which claim?