Luko contract :

Wakam contract :

GLISE contract :

Theft and vandalism

✅ You are covered for theft inside your home in the event of :

- Burglary

- Escalation

- Forced entry and use of false keys

- Smuggling

- Breaking and entering with violence or threats

- Breaking and entering by deception

- Breaking and entering by use of your stolen keys (provided that within 48 hours of the theft of the keys you have reported the theft and taken all measures to prevent their use: changing the locks or setting up an additional lock).

☝️ Goods stored in your outbuildings are covered up to €2000

Damage caused by theft, attempted theft or vandalism to your home is also covered.

☝️ This includes vandalism to your outside walls (tags, graffiti, etc.) if you have taken out the "Outdoor space" option.

We also cover damage to property if your home is squatted.

❗For cover to apply, your home must comply with the protective measures set out in your policy.

❌ You are not covered for:

- theft and damage committed by or with the complicity of members of your family, beneficiaries of the contract, or any person with keys

- theft of valuables stored in your outbuildings

- theft of cash or funds that you keep at home

- thefts committed with your keys left on the door, under the mat, etc.

- theft of and damage to letterboxes and their contents

✅ You are covered for theft, attempted theft or vandalism inside your home in the event of:

- Burglary

- Escalation

- Forced entry and use of false keys

- Breaking and entering

- Breaking and entering with violence or threats

- Breaking and entering by deception

❗For cover to apply, your home must comply with the protective measures set out in your policy.

❌ You are not covered for:

- theft and damage committed by or with the complicity of members of your family, beneficiaries of the contract, or any person occupying your home (even partially),

- the theft of valuables stored in your outbuildings

- theft of goods stored in the common areas

- theft of and damage to letterboxes and their contents

- theft of cash or funds that you keep at home

- theft committed with your keys left on the door, under the mat, etc.

- damage caused by the use of false keys, without any trace of forcing of the lock.

- thefts committed after the loss or theft of your keys, if you have not changed the locks or added locks within 48 hours.

✅ You are covered for theft and damage to the interior of your home in the event of :

- Burglary

- Escalation

- Forced entry and use of false keys

- Breaking and entering

- Breaking and entering with violence or threats

- Breaking and entering by deception

- Entry by use of your stolen keys (provided that within 48 hours of the theft of the keys you have filed a complaint and taken all measures to prevent their use: change of locks or installation of an additional lock).

We also cover damage caused by theft, attempted theft or vandalism to the property in your home.

We also cover damage to property in the event of squatting in your home.

☝️Goods stored in your outbuildings are covered up to €2000

❗For cover to apply, your home must meet the protective measures set out in your policy.

❌ You are not covered for:

- theft and damage committed by or with the complicity of members of your family, beneficiaries of the contract, or any person with keys

- theft of valuables and electronic equipment stored in your outbuildings

- theft of cash or funds that you keep at home

- theft committed with your keys left on the door, under the mat, etc.

- damage to property committed on outside walls and fences

- theft of and damage to letterboxes and their contents

Glass breakage

We cover the breakage of glass products (and rigid plastics fulfilling the same functions) integrated into your property: French windows, windows, awnings, stained glass windows, verandas declared in the contract, glass partitions, etc.

As well as sanitary appliances: washbasins, bathtubs, toilets, etc.

☝️The complete list of the covered products is available in your general conditions under "1.6 : Breakage of glass and sanitary appliances".

✅ Are covered:

- replacement, mirroring costs (for glass products)

- the cost of installing and removing the glass parts,

- additional costs of installation and temporary fencing or guarding of your doors, bay windows, etc., if the security of your home is compromised.

❌ Not covered :

- damage caused by obsolescence or lack of maintenance

- damage of a purely aesthetic nature (scratches, flaking, etc.)

- damage caused during work, installation or transport

- personal injury and material damage caused by falling debris

- construction defects

- Damage to glass products and glass parts integrated into furniture (including electronics and household appliances), unfixed glass products, marble and stained glass windows in lead, solar panels.

The following are covered in your home: windows and glass, doors and patio doors, internal partitions and balcony partitions, bay windows, skylights, glass and glass incorporated into furniture, transparent plastic products with the same function, as well as sanitary appliances (bathtubs, shower trays, washbasins, toilet bowls)

✅ The following are covered:

- replacement and installation costs

- the additional costs of installation and temporary fencing or guarding of your doors, bay windows, etc., if the security of your home is compromised.

❌ Not covered :

- glass or plastic products with a surface area of more than 11m2

- damage caused by obsolescence or lack of maintenance

- damage of a purely aesthetic nature (scratches, flaking, etc.)

- damage occurring during work, installation or transport

- construction defects

- personal injury and material damage caused by falling debris

- plumbing, masonry and tiling work and supplies for sanitary appliances

- Damage to glass products and glass parts integrated into electronics and household appliances, unfixed glass products, marble and stained glass windows made of lead, solar panels, glass products not belonging to your home or to a declared outbuilding, engraved or decorated glass and laminated products with a thickness greater than 12.8 mm.

Covered are: windows and glass, doors and patio doors, internal partitions and balcony partitions, bay windows, skylights, stained glass, glass for inserts, transparent plastic products with the same function, as well as sanitary appliances (bathtubs, shower trays, washbasins, toilet bowls).

✅ The following are covered:

- replacement

- the additional costs of installation and temporary fencing or guarding of your doors, bay windows, etc., if the security of your home is compromised.

❌ Not covered :

- damage caused by obsolescence or lack of maintenance

- damage of a purely aesthetic nature (scratches, flaking, etc.)

- damage occurring during work, installation or transport

- construction defects

- personal injury and material damage caused by falling debris

- plumbing, masonry and tiling work and supplies for sanitary appliances

- Damage to glass products and glass parts integrated into furniture (including electronics and household appliances), unfixed glass products, marble and stained glass windows in lead, solar panels, glass products not belonging to the dwelling or to a declared outbuilding, engraved or decorated glass and glass panes, laminated products with a thickness greater than 12.8 mm.

Electrical damage

✅ We cover your electrical and electronic appliances located in the insured home, and those considered as home improvements outside (if they have been designed and installed for that purpose) in the event of:

- undervoltage or overvoltage due to lightning or the effects of an electrical malfunction

- fire, explosion or implosion limited to the electrical appliance (if it is not limited to the appliance, the fire guaranty takes over).

We also cover the loss of your food in the event of your fridge or freezer stopping due to the action of electricity or an unforeseeable power cut due to a malfunction in the distribution network.

❌ Not covered :

- damage to appliances older than 10 years and their contents,

- the contents of wine cellars,

- damage to swimming pool installations if they are not declared in the contract,

- damage due to wear and tear, machine breakdown, or any mechanical malfunction,

- damage covered by the manufacturer's or seller's guarantee.

Not covered under this type of contract.

✅ We cover your electrical and electronic appliances located in the insured home, and those considered as home improvements outside (if they have been designed and installed for that purpose) in the event of:

- undervoltage or overvoltage due to lightning or the effects of an electrical malfunction

- fire, explosion or implosion limited to the electrical appliance (if not limited to the appliance, the fire cover takes over).

❗ For the warranty to be activated, at least 2 appliances must have been damaged.

❌ Not covered are:

- damage to appliances older than 10 years,

- damage to swimming pool installations if they are not declared in the contract,

- damage due to wear and tear, machine breakage or any mechanical malfunction,

- damage covered by the manufacturer's or vendor's warranty.

Emergency locksmith

✅ You are covered against theft, loss and breakage of keys, or if your lock is damaged as a result of an attempted break-in.

Our assistance will send you a certified locksmith and take care of opening your door, up to a limit of €300.

❌ This guarantee does not work in the event of a slammed door or if there is a lack of maintenance of the lock.

✅ You are covered against theft, loss and breakage of keys, or if your lock is damaged as a result of an attempted break-in.

Our assistance will send you a certified locksmith and take care of opening your door, up to a limit of €300.

❌ This guarantee does not work in the event of a slammed door or if there is a lack of maintenance of the lock.

✅ You are covered against theft, loss and breakage of keys, or if your lock is damaged as a result of an attempted break-in.

Our assistance will send you a certified locksmith and take care of opening your door, up to a limit of €300.

❌ This guarantee does not work in the event of a slammed door or if there is a lack of maintenance of the lock.