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Five important criteria for a good home contents tariff
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Tariffs should pay even if the policyholder acted with gross negligence, without reducing or refusing the benefit.
Protection against damage caused by natural events such as flooding, sewage backflow and heavy rain is essential.
Tariffs should offer clear and sufficient benefits for valuables such as jewellery, art or antiques.
Benefits for cybercrime, data loss and unauthorised use of credit cards are becoming increasingly important.
A provision amount of at least 15 % of the sum insured should be included for new purchases during the term of the contract.
Three critical weaknesses in many tariffs
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Some tariffs do not waive the gross negligence defence or cap the benefit amount, which can cause problems in the event of a claim.
Benefits for theft from a car, while travelling or through trick theft are often limited or missing altogether.
Many tariffs offer no or only limited benefits for cyber risks and unauthorised use of credit cards.
Five key rating criteria used by Franke und Bornberg
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Tariffs that waive the gross negligence defence receive better ratings.
Protection against extreme weather events is given greater weight.
Cover against cybercrime and data loss is included in the rating.
It is checked whether a sufficient provision amount for new purchases is included.
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This summary is based on the latest findings from the Franke und Bornberg home contents rating and other specialist articles. procontra-online.de cash-online.de experten.de franke-bornberg.de test franke-bornberg.de results