- Oct 25, 2014
Hi all, I explain my case:
I have a brand new smartphone (just a month) and while I was at the house of a relative his son took it (it was on a table) and flew it away …, and now it has a shattered screen.
She told me that she could make a claim against her insurance as she thinks that it might be cover (reparation is about 150 €). Before doing so, I preferred to check about it because I understand that the insurance cover the goods of third parties that are not in the hands of the insured (in this case I do not know if the hands of her child counts), for instance should I had fallen or had had an accident, right?. If it is covered, would this increase the premium of the policy?
Thank you very much and greetings to all of you.
Moderator, Sergio Sanguino
The incident is a clear sample of Civil Liability, where it has nothing to do with the insurance of the insured, but to the person causing the damage.
Home insurance (Family Civil liability) of the causative will cover the liability of the insured and of the people who depend on her (the son, who is responsible for the damage) with no problem, except in the degree of relationship that has the father of the child with our insured. That is, you have to look at the General Conditions of the policy of the causative, in paragraph where exclusions are indicated, where it will appear that the damage caused to family members are exclusions until the third degree of consanguinity. So depending on the degree of kinship of the causative producing the damage to the victim or the incident it might be covered or not.
Regarding the increase of the premium it will depend on the rules of each Insurance Company but bearing in mind that it will always be the policy of the causative.