Meanwhile, the new year is over and most of the fireworks have also disappeared from the street. Annually, fireworks cause more than 10 million euros of damage to homes and vehicles. Is this damage compensated by the insurance? So look at the coverage of, for example, your home insurance and your car insurance.
Damage to home
If there is damage to your home as a result of fire, explosion, melting and scorching damage due to fireworks, you can recover this from your insurance policy. This insurance is for all damage to your home and for everything that is attached to your home. Pay attention to what kind of building insurance you have. There are 4 different forms with different conditions and coverages.
Damage to car
Damage to your car through fireworks is often unavoidable, especially when you are parked in a street where a lot of fireworks are being chipped. With an Allrisk or limited hull car insurance, fire damage is covered by fireworks. With other damage such as vandalism by a fire in the exhaust, you can only recover this from your all-risk policy. Note, this has consequences for your premium and damage-free years.
Made a mistake yourself?
Damage caused by fireworks can also be caused by yourself. Anyone who causes damage when lighting fireworks can claim the liability insurance. Damage caused deliberately to children up to 14 years is also covered. Medical care can be recovered from health insurance.
Save on your insurance policies
Did you know that you can easily save on your insurance policies? Our insurance specialists can help you. They view your insurances and coverages, compare several insurers and help you with the switch when you can save. So you never pay too much for your insurance and you are sure that you have the right cover!