If you have valuables, it is necessary to declare them to us in a specific category.
Your valuables are covered by the following guarantees:
In the legal minimum contract:
Fire
Water damage
Storm, hail, snow
Natural disasters
Technological disasters
Attacks and acts of terrorism
Completed in the Spirit of Peace contract by:
Theft and vandalism
Breakage of glass
Electrical damage
The conditions of application and exclusions of these guarantees are the same as for your personal property.
In the event of a claim, how is your compensation calculated?
With our contracts for flats:
Goods less than 3 years old are compensated at purchase price, on presentation of the invoice.
For goods older than 3 years, which have been inherited, bought second-hand or if an equivalent cannot be obtained : the compensation value will be that of an object of the same nature on the second-hand market.
With our contracts for houses :
The compensation is calculated by a certified expert on the basis of the cost of an identical item in a public auction house or the purchase value of an identical item from a dealer. This is called the agreed value.
Jewellery less than 2 years old is compensated at its purchase price, upon presentation of the original purchase invoice.
☝️ A few points to note:
Your valuables are not covered by the replacement value guarantee. Indeed, this is a category of objects on which the depreciation does not apply in the same way as for others: your painting may increase in value as it ages, whereas your sofa ... no!
Valuable items stored in outbuildings are not covered.
If you do not have an invoice to prove the value of your goods and their ownership (following an inheritance, a second-hand purchase, etc.), it is up to you to provide us with proof of this value. We therefore advise you to have them appraised.