Insure round against aircraft crash or lightning? Everything is possible
"The bicycle is insured throughout the home, or it can be insured as individually specified thing. In this case, the insured bicycle outside an apartment or house in places that are designed for a round. So for example, stands outside the shop or shared bike" spokeswoman CSOB Insurance Petr Milata. He added, however, that in order to pay damages caused by theft, must be shown to overcome obstacles, thus usually lock.
A spokesman for Czech insurers Ivana Burianová says that the wheels are in the home insurance protection against risks, which include not only theft or vandalism, but also water damage from leaking water mains, against falling tree, falling rocks, explosion, direct lightning strikes or against landslide and many other curious cases that would be some, or may not attack
"In the case of natural or water claims is yet indifferent to how and whether the wheel was secured., If it was damaged or destroyed by any of the above risks, a claim will be paid in any case," added Burianová.
Insurance is possible by Dagmar Koutská statement from the Department of Communications Allianz also abroad. The travel insurance is round is considered luggage. "The financial safety limit in this case is 10,000 crowns either on a tour of the Czech Republic, or to travel abroad. Just watch! Wheel must always be your own, not the example of the car," says Dagmar Koutská.
The actual home insurance is arranged yet, as elsewhere, even at Allianz not steal bikes such as the rack in the camp.The insurance company therefore in such cases recommended to store the bike rather in the boot of a car which is the sole exception, under which it is possible to claim on insurance apply.
"If you have a theft occurs, it is always necessary to call the police and it is necessary that the perpetrator clearly overcame an obstacle, for example odvrtal lock, break the door. S police report, which is evidence of theft, then it is possible to damage the insurance company to report whether the phone or via the internet, "explains Koutská the fact that it is also necessary to prove acquisition documents - Bill, warranty card, which is evident from the value of the stolen bicycle.
While insurance companies do not keep accurate statistics of the annual number of reported bicycle theft. According to estimates, loss adjusters individual insurance companies, however, is at least a hundred cases a year.
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