While the conventional car insurance is only so-called Liability Damage covers, the comprehensive insurance also covers damage caused by the weather, durch Wildlife accidents, durch Vandalism or even through Own fault have arisen. But many are now wondering how it might be Accessories stands. In the case of partial or fully comprehensive insurance, stolen accessories are covered by the insurance company covered. However, this does not apply to all types of accessories. There are special conditions and only certain accessories are reimbursed. In this article, we from tuningblog would like to explain in more detail how things are now about the reimbursement of any accessories.
Accessories and comprehensive insurance
So what types of accessories can be expected to be reimbursed by insurance? In general, the insurance cover only covers those accessories that have a street legal - this is the case, for example, with special rims that do not correspond to the series. So the expensive forged rim is insured when properly in the vehicle documents registered is or by means of ABE is approved for use on the insured vehicle. Accessories, which over no admission has, of course, regardless of the insurance coverage can not be be used in public road traffic. Furthermore, the insurance makes differences dependent on the type of accessorythat it is. For example, it depends on whether the accessories are stable connection to the car shows whether it was retrofitted or whether it is easy is loosely in the vehicle.
Gladly stolen: airbag, catalytic converter, navigation system
Permanently installed accessories include, for example, the built-in ships, one Trailer hitch, the catalyst (likes to be stolen), the Airbags or non-standard parts of the chassis as well as the Loudspeakers internally. Normally the New value refunded. The following applies to accessories that were only installed afterwards: This is not necessarily included in the insurance. Here it depends on the contractually agreed conditions - in the meantime, however, there is often a coverage amount for "special accessories". Then there are often costs of up to 3.000 Euro refunded. In this case, however, it is advisable to compare the various insurances before concluding a contract and to inquire carefully whether such a clause exists to cover any special accessories.
By the way, things look different if you have loose objects like yours mobile, Your Laptop, the portable game console from the child or even the Handbag or backpack be stolen from the car. Most of the time, the damage caused by the break-in is covered by the insurance, but such loose objects are covered not reimbursed. This also includes mobile navigation systemsthat many drivers who do not have a permanently installed navigation system in the vehicle assemble. In this case, however, a reimbursement via the Household insurance which, however, often does not cover the entire damage, or even cuts benefits due to gross negligence.
Is it possible to insure additional accessories?
If you have expensive accessories that are not contractually covered, you can insure them with almost all insurance companies, which of course results in higher costs. A list is usually required for this, on which all accessories can be viewed including their original price. Therefore, as already mentioned: Find out more before graduation a contract about which parts are already covered and which are not.
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