Burglary involves unauthorized entry by breaking in or using a key illegally. Robbery involves violence or threats to take belongings. Theft (simple theft) is taking belongings without the owner's knowledge. Household contents insurance covers burglary and robbery. Simple theft is covered only in specific cases, such as when staying in a hospital or certain travel accommodations. Bike theft is covered only with the extended tariff or the premium bike add-on, not under the basic plan.

What is burglary in household contents insurance?

Burglary occurs when someone gains unauthorized entry to your home by breaking in, using a fake key, or using a key obtained illegally without your permission.

What is robbery in household contents insurance?

Robbery involves someone taking your belongings by using violence or the threat of violence.

What is theft (simple theft) in household contents insurance?

Theft, often called simple theft, happens when someone takes your belongings without your knowledge, such as pickpocketing. This is not covered under your policy.

Which types of theft does household contents insurance cover?

Household contents insurance covers losses caused by burglary and robbery.

When is simple theft covered by household contents insurance?

Simple theft is covered only in specific situations, such as when you are staying in a hospital, in ship cabins, or in sleeping car compartments during travel.

Is bike theft covered under household contents insurance?

Your bike is covered against simple theft only if you have selected the extended or premium bike add-on. Simple bike theft is not covered under the basic bike insurance plan.

Are my belongings covered for robbery, burglary, or simple theft while temporarily outside the home?

You are covered for the same insured events while your belongings are temporarily outside the home, for example, if you are on holiday, or if a robbery or burglary occurs on the street.