Types of Insurance > Property Insurance > Theft and Robbery Insurance
Theft and Robbery Insurance
 
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The subjects of insurance are movable items except:
- Items exhibited at fairs and exhibitions;
- Motor dry land, floating vessels, trailers,
self-moving machines and aircrafts.
Items can be insured against theft only while stored as stockpile in trade and customs warehouses or
while undergoing repair at a workshop etc.
If it is explicitly agreed and stated in the policy, surfboards, kayaks, canoes can be insured while
placed in locked rooms.
Insured are only items belonging to the insured person and people sharing a household with the insured person.
If specifically agreed and stated in the
policy, insurance covers items belonging to the workers carrying out their
work at the insured place stated in the policy as well as items belonging
to third parties accepted in for repair, processing, treatment, sale,
renting, safeguarding, as a collateral, borrowed etc.
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Items mentioned in the policy or list are insured. If items are mentioned as a group than they are insured as
those existed in a moment of insurance contract signing, as well as those afterwards brought into the group.
If the rules or insurance policy determines the obligation of keeping the register on insured items, insured are
only items that are registered in line with the rules, i.e. insurance policy stipulations.
Insured risks
Insuring according to these conditions insurance protection is offered from risk of execution risk or attempted
theft or robbery, as well as vandalism to the insured items during the break in and theft.
Insurance covers damage against taking away, destruction or damaging the insured item, as well as damage caused
to the civil construction parts of rooms, installations and equipment (damages to walls, ceilings, doors, glass
etc) where the insured items are placed during execution or attempted theft i.e. robbery amounting to the costs
of repair, and at the most 3% of the insurance sum, i.e. up to 10% with "the FIRST RISK" insurance unless
otherwise agreed.
If specifically agreed and additional premium paid with museum and exhibition insurance covers ordinary theft
claims and damages made by the visitors.
Money and other means of payment and items of value during their manipulation at cash registers, counters and
places of payment and sale are insured for robbery risk on "the FIRST RISK", with a condition that insurance is
made for every deposit - withdrawal place separately.
Insurance does not cover claims from theft and robbery with insured citizens:
- Executed by a family member that share insuree's household and
- Executed with co-operation of a family member sharing
a joint household as accomplice or initiator.
Members are persons that live, work or are accepted overnight in area where taken away or damages
items were kept.
Insurance does not cover claims:
- From deceit and embezzlement;
- From plain theft, except for insurance mentioned in item 3 of this Article;
- Due to direct losses caused by occurrence of the insured case (loss of profit, time
wasting and alike);
- From the loss determined by the inventory, not even
if the loss is determined during inventory carried out after the insured
case.
Scope of the risk
Entry and theft is a theft where perpetrator:
- Breaks into facilities where insured items are placed (place on insurance) by breaking or picking the doors and windows or breaking the ceiling, walls and floors;
- Open the place of insurance with a fake key or any other mean not used for regular opening and while carrying it out leaves a trace based on which it can be reliably determine the break in as criminally-legal evidence;
- Breaks into locked place within the insured place where insured items are placed, if it reached the placement in one of the ways qualified by this Article as entry and theft;
- Opens the insurance place or placement with the real key or its duplicate, if s/he attained the key using one of the acts mentioned in item 1, 2, 3 and 5 of this paragraph or robbery or fraud of a minor member of household;
- Enters the place of insurance through the opening
that is not for such use, overcoming barriers blocking the entrance.
Jumping in through open window (up to 3 meters high from the lower edge of the window) is not considered theft.
Entry and theft is considered theft of items from a balcony or enclosed balcony on floors, as well as from
apartments at floors if it is carried out by jumping in through an open window mentioned in the policy.
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