No, the flight guarantee is not not included in basic guarantees the home insurance contract.

If you want to be covered against theft, you must subscribe to this guarantee specifically.

But this guarantee is included in the insurance contract called "multi-risk housing".

The insurance contract shall specify the claims cutlery by flight insurance and claims which are excluded.

Flight insurance covers first theft, but as provided for in the contract.

In fact, flight insurance does not cover all the flights you may be the victim of.

The contract shall specify which flights are covered and which are not covered by the guarantee.

In general, the following flights are supported:

• Break and enter or climb premises (thieves who break doors or windows or climb walls)
• Theft with threats or violence against the person (thieves who drive you home under duress of a weapon)
• Stealing by smuggling (for example, a burglar enters your home while you are present)
• Theft by use of instruments (hooking of the lock by special tool, use of the real stolen or lost key...)

Flight insurance also covers property damage and vandalism following a theft or attempted theft, when occurring in the circumstances specified in the contract. For example, locks, doors or windows damaged by thieves.

Flight insurance can also cover refurbishment costs and support and care costs which are the result of a theft or attempted theft.

But flight insurance does not cover pitch thefts committed by member of your family or thefts by third parties with the complicity of a member of your family.

Flight insurance also does not cover flights that have been facilitated by a act of negligence on your part. For example, leaving access to housing open and not hiding valuable assets.

Flight insurance can also do not cover claims committed during your prolonged or repeated absences. In this case, the contract shall specify the duration and frequency of absences which may lead to the refusal of compensation.

Property covered by flight insurance vary by contract that you signed.

The contract shall also specify the level of coverage corresponding to each category of property covered.

Flight insurance covers property in your home at the time of the flight, whether you own them or not.

The contract can lay down specific rules on cover for certain goods, for example where enhanced security conditions are required, a limit on the amount to be reimbursed in the event of theft, or even a refusal to cover.

These are:

• Objects that you have rented or that have been entrusted to you by a third party (DIY equipment, electronic device etc...)
• Valuables (jewelry, precious stones, gold ingots, rare carpets, furs etc...)
• Sensitive objects (television, stereo, photography equipment, computer equipment, etc.)
• Cash
• Furniture stored in outbuildings (gardening tools, old furniture or unused objects etc...)

You need to secure the accommodation and then report the theft to law enforcement and your insurance company.

You must prove the damage you have suffered.

The first step is to gather all the evidence that can prove the burglary, the existence and the value of the stolen property.

To get an estimate of the cost of repairs, you can have the repair premises and repairable objects quoted and sent to the insurer.

But you must not make the repairs without the authorization of your insurance.

Your insurer will tell you if it allows you to start refurbishment work or if you have to wait for an expert's visit.

The expertise is not mandatory, but the insurer has the right to appoint an expert if he considers it necessary.

The expert's role is to check the circumstances of the flight and assess the damage you have suffered.

The expert will contact you to schedule an appointment to carry out his expertise.

You'll have to give him the evidence you've gathered.

The expert will prepare a report based on his findings and the information you have provided to him.

Your insurer will then send you its expert report.

If you feel that the expert's conclusions are not justified, you can to challenge the expert report and request that a counter-opinion be carried out.

If the expertise or counter-expertise reveals that you have made false statements, the insurer may refuse to compensate you.

Indeed, most contracts include a clause preventing compensation in the event of false statements by the insured.

If the insurer believes that you have been the victim of a theft covered by the contract, it must assess your damage and offer you compensation.

In making this assessment, the insurer generally takes into account the replacement value property that has been stolen, not theirs purchase value.

This replacement value takes into account the wear and tear of the goods from the date of their purchase to the day of the theft.

The contract may provide that wear and tear will not be taken into account for certain capital goods, such as furniture and household appliances. These goods then benefit from the option refurbishing and are compensated at their purchase value on the date of the flight.

Yes, it is possible to dispute the amount of compensation offered by the insurance.

If you are not satisfied with the compensation offered by the insurance, you can to take legal action to request more compensation.