Theft insurance: which insurance pays?

On your household contents insurance, your entire household inventory is automatically protected against “break-in”, “robbery” and “simple theft at home”.

If your home is broken into – with or without the use of force – you are reimbursed the reinstatement value of the stolen items. Any repair costs incurred for smashed windows and broken doors are also paid.

Under basic household contents insurance, your personal items are also protected away from the home if they are taken from you using force (“robbery”). Again, you are reimbursed the reinstatement value of the stolen items.

As thefts often occur while we are out and about, Helvetia offers supplementary “simple theft away from the home” insurance.

This covers your personal items not only against pick-pocketing while you are out and about, but also against other incidents of theft that do not involve the use of force. If your skis are stolen on the ski slope, for example, or your sports bag is snatched from the locker. Cash assets are not covered, however.

Specific rules apply to cash assets – that is to say, cash and credit or debit cards – in the event of theft. Cash assets are only insured if it is a case of robbery or burglary. If your purse is stolen without you noticing, regardless of whether you are at home or out and about, cash assets are not insured.

While you are cooling off in the sea, a thief takes the bag you left behind? With supplementary “simple theft away from the home” insurance, you will at least be prepared for the financial losses in cases like this, as having this supplementary insurance means that you are also very well insured in the event of theft abroad and will be reimbursed the reinstatement value of the stolen items.

Supplementary “simple theft away from the home” insurance also protects your luggage should it be stolen at the airport.