With this coverage, you have the possibility of receiving compensation in case your handbag is stolen from the insured vehicle.
What is the handbag robbery plus coverage?
Handbag robbery plus coverage is a service that can be purchased as part of your Car Insurance with Línea Directa. This coverage is intended for handbag robbery, provided that it is inside the insured vehicle.
The territorial scope for this insurance includes the whole green card area.
Cases in which robbery is covered by Car Insurance
Handbag robbery will be covered by the Car Insurance as long as it complies with the definition of robbery found in the Criminal Code in force, i.e. the robbery will be covered as long as force or violence on objects and even intimidation of persons has been used to enter the specific place where other people's personal property is located.
If this happens, Línea Directa will accept payment of the claim by setting certain limits that are found in the Conditions.
Some of the exclusions that we are going to see in this Car Insurance coverage are related to events that occur due to negligence or acts of bad faith on the part of the insured, or all those events caused by misappropriation and even those that have taken place as a consequence of acts of vandalism by the insured or their family up to the third degree of consanguinity or affinity.
Frequently asked questions
Items inside the stolen bag are also covered.
Payments to be made by Línea Directa have the following limits:
- Handbag: Maximum limit of €400.
- Cosmetics: A maximum of €150.
- Perfume or cologne: With a maximum limit of €150.
- Cash: Up to €100.
- Wallet/Purse: With a maximum limit of €150.
- Glasses/Sunglasses: Up to a maximum of €250.
It will in addition be necessary to submit a copy or a report previously submitted to the Insurer at the time the claim is made. This report must be made with the Police Authorities and must detail the goods that have been stolen.
At the same time, it is necessary to prove that the objects stolen do actually exist, and to do this any means or evidence can be used for proof, such as, for example, submitting a receipt or a quote.
The robbery of the handbag and the items it contained inside it has to be declared within seven days following the occurrence of the event and all the information and documentation mentioned in the above period has to be submitted within 30 days after the robbery is reported to Línea Directa.
We must emphasize that backpacks for sports or school purposes will not be considered handbags.
