- Oct 30, 2015
Hello, I own a house insured with Aegon Co. and in Christmas my husband and I took a trip abroad for a week. On the way back we found that the door of the house was forced and the thieves had stolen many electronic objects, clothing and jewellery that I had kept in a box in the bedroom dresser.
The Insurance Co. compensates me the damage to the door and the value of the stolen objects except the jewels which I have insured up to $ 3,000, claiming that as I have been out of the house all week the theft of jewellery is not covered.
Do they have reasons to exclude the loss? Why do they compensate certain things and not others?
Moderator, Sergio Sanguino
Good afternoon Elisabeth,
You should review the general terms signed with the CIA, because sometimes, it varies one from another.
The following point is usually included in the warranty of exclusions by theft:
Jewellery are excluded from the guarantee of stealing, if the theft was committed while the house remained uninhabited for more than eighty-four consecutive hours except when permanent housing Jewels are deposited in safes of over 100 kilos weight or recessed.
In this case the CIA should not compensate the theft of jewellery, since you admitted that you have been out of the house, meaning that it has been uninhabited completely, that is, no one has stayed at the property for that time.
The jewels were not in a safe neither, so only in case someone had been sleeping in the house during that period you will be able to claim for the compensation of jewels.