In Germany and the hotel operator during the accommodation of your guests for a theft. Per guest, the Hotelier must replace, however, a maximum of 3,500 Euro. Even lower the limit for cash and jewelry. It is located at 800 euros. This also applies if the valuables from the room safe will be stolen. The property disappears from the Safe-Deposit box at the front Desk, the Hotel in full for the loss. “If holidaymakers in the hotel safe-Deposit box valuables to Deposit, you should always issue a receipt. So you can make in case of damage, easily their claims,“ advises Arnd Schröder, managing Director of the comparison portal TopTarif. The liability of auto thefts and the stolen items inside the vehicle are excluded.
Outside the EU, different rules apply.
While in other European countries usually apply similar rules, are Hotels outside of the EU only in very few cases, liable. Here, the respective country applies. “The more important is the personal protection by an insurance is,” advises Schroeder.
home insurance is also charged on holiday
in Principle, a household contents insurance covers damage by fire, tap water, theft and vandalism in your own four walls. “The policies worldwide, also in the holiday, about the so-called foreign insurance. This extends the Home like a hotel room or an apartment,“ explains Schröder. “As a result, also in the Household is covered, is taken into the holiday.”
The insurance protection in addition to travel Luggage, clothes or electronic devices. A separate baggage insurance is not necessary, because for the stolen suitcase, the home insurance comes on as well. The Luggage was stored in a lockable room, the tourists empty. This is also true for Luggage rooms at the front Desk.
insurance protection in the holidays for a limited time
The protection of the external insurance is often a journey time of a maximum of three months. “For the usual annual vacation and a few weekend trips this Limit is in any case sufficient. This also includes business trips are included,“ says Schröder. In addition, the household contents insurance, a jump on the holiday only if it is a robbery or burglary. Display: home contents insurance comparison
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A simple theft damage-in General – neither at home nor on a holiday. This is the case, for example, if the wallet is stolen out of the pocket or the cleaning staff, there’s something missing from the hotel room. In these cases, holidaymakers stay sit on the damage. “Generally speaking, value objects should be not left open in the room. First, you are in the room or hotel safe,“ advises Schroeder. Best offer on BestCheck.de
limits note
a provider of pay in the case of the foreign insurance typically ten percent of the insured sum or a lump sum limit. Also, the value of items or cash are protected only to a limited. “We recommend tourists to throw before the trip, have a look in the terms and conditions of your household policy. So you can go, what damages are covered under what conditions. In the case of old insurance contracts, a change is often not worth it because of the newer tariffs offer significantly more performance,“ says Schröder.
theft in the vacation – to do this is
In the case of theft, vacationers should report the loss immediately to the Hotel and the local police. In addition, you should document signs of Burglary, take photos, and a list of some of the stolen items, the so-called list of stolen goods, to make. The insurance should be quickly informed of the case of damage, best to from the resort. Because the majority of insurers call for the immediate damage report. Travel stolen documents such as passports and airline tickets, contact the tourists the tour operator or the German Embassy or Consulate. It should also always made a copy and the Original and the copy are kept in different Places. So there is, in the case of the cases, faster replacement. Giro and credit cards should be in the case of loss immediately to the respective provider lock. The Central lock-number from abroad is: +49 116 116. Termination templates of FOCUS Online & Aboalarm
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