We are reeling from a weekend in Barcelona where we were subject of not 1 but 2 crimes on our Car, the first an attempted car jacking where the tyre was slashed (in an attempt to have us pull over and repair then rob us), then later in the evening our car attempted to be broken into by the window smashed and panel damage.
We have contacted our car insurance and they have told us that we would need to pay collision deductable of 1000 for each incident. We however would have thought that this would have com under another coverage event. The vehicle was parked at the time. We have two police reports and our insurance strangely have told us we need to lodge a claim against the criminals to recoup the 1000?? strange.
Would this instead of coming under collision, come under partial casco, or parking? As the policy is in German it is difficult to translate perfectly. Our insurance is with Simpego / Dextra.
An extract of the coverage items:
Haftpflichtversicherung CHF 340.20
Versicherungssumme CHF 100'000'000
Selbstbehalt alle Lenker CHF 200
Zusätzlicher Selbstbehalt nicht
deklarierte Lenker unter 25 Jahren
CHF 1'000
Kaskoversicherung CHF 1'129.10
Teilkasko versichert
Selbstbehalt Teilkasko CHF 150
Kollisionskasko versichert
Selbstbehalt Kollision CHF 1'000
Parkschadenschutz Basis
Selbstbehalt Parkschaden CHF 100
Glasbruch Basis
Mitgeführte Sachen nicht versichert
Freie Garagenwahl versichert
Unfallversicherung CHF 45.70
Versicherter Personenkreis Alle Insassen
Leistungen pro Person:
Taggeld CHF 25
Invalidität CHF 60'000
Todesfall CHF 30'000
Heilungskosten versichert
Grobfahrlässigkeitsschutz versichert CHF 28.00
Many thanks
Jamie