do you have to take out insurance to protect them?

What insurance to take out to protect your valuables. Is the housing contract sufficient and are the sellers’ offers reliable? We help you take stock before picking up your packages under the tree.

Bike or electric scooter, game console or jewellery… Depending on its value, should a Christmas gift be insured against breakage or theft? If this is your wish, it is important to choose the contract taken out carefully, according to your expectations.

Reimbursement of the device, repair and loan of a similar item during the intervention, replacement with another identical device, or even compensation… Here are the possible options, as long as the terms of the contract are explicit.

Review of possible options with the Assurland.com comparator.

The legal guarantee of conformity

The legal guarantee of conformity makes it possible to obtain the replacement or repair, or even the reimbursement of a good, once a fault has been observed and without having to prove to the professional that the product is faulty.

It is valid for two years following the purchase of a new property. However, it does not work in the event of breakage or theft and may also depend on the reliability of the original purchase site.

Darty, Boulanger, SFR, Orange… Do you know the legal guarantee of conformity?

Nomadic product insurance

Laptop, smartphone… Some insurers have developed specific policies that cover part or all of the household’s goods and equipment (telephony, multimedia, sports, furniture, household appliances, etc.) for a ten euros per month.

If the cover can be more extensive, the deductible and the more attractive guarantee ceilings, there is still a risk of duplication with home insurance.

The housing contract

The amount provided for the insurance of valuables, in a home insurance contract, is often global and does not apply to each object individually, except to specify it in full. Old books, jewellery, paintings, tapestries or even bottles of wine can fall into the category of valuables for which insurance is specifically provided for in the home contract. It is their owner who assesses them and declares the sum he believes he can claim in the event of theft, fire or water damage.

Be careful, however, of the following points: exclusions (age of the object, theft on the sly, lack of maintenance, loss, etc.), objects stolen from the car (part guarantee), guarantee ceilings (in particular by telephone) and the amount of the deductible, warns Assurland.com.

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The insurance offered by the seller

The affinity insurance market is both buoyant and subject to caution given the large number of disputes. From January 1, 2023, those covering smartphones will have to be presented in a more transparent way. Moreover, the withdrawal period has been extended and can no longer be erased by a free period.

Insofar as you consider the seller to be reliable and that your contractual commitment has been presented to you under good conditions, you can sign a warranty extension or assistance contract in the event of a breakdown through this means.

But beware: often, for a laptop, the basic formula covers accidental damage and oxidation but not theft, breakdown or loss of the object, for example.

credit card insurance

If in the 48 hours following the purchase, the consumer notices damage, non-compliant delivery or theft, he can use the insurance of his credit card. There is generally an intervention ceiling (15,150 euros depending on the establishment) and compensation.

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