|
 SAPPHIRE |
 RUBY |
 DIAMOND |
| How does the insurance work? |
Letter of exception(s) by certified mail
3 days |
Letter of reserve(s) by certified mail
5 days |
Letter of reserve(s) by certified mail
7 days |
| Exclusion |
Case of absolute necessity
Inherent defect of the insured goods,
faults committed by the insured |
-
Inherent defect of the insured goods,
Faults commited by the insured |
-
Inherent defect of the insured goods,
Faults committed by the insured |
Compensation is fixed according to the purchased
value of the furniture and items up to : |
18 months |
5 years |
10 years |
| If the loss of value is greater than the purchased value you will receive a compensation of |
Compensation of 10%
of the purchased value |
Compensation of 10%
of the purchased value |
Compensation of 10%
of the purchased value |
| Compensation for items and furniture that normal use does not alter over time |
Replacement Value |
Replacement Value |
Replacement Value |
| Compensation according to an expert’s evaluation for works of art and antiques |
No |
Yes |
Yes |
| Lump sump compensation for inconveniences |
No compensation |
10% of the loss
or damages with a maximum of 750 |
20% of the loss
or damages with a maximum of 1500 |
| EXEMPLE OF COMPENSATION : |
|
|
|
Micro wave 4 years old
Purchased price: 150€
Loss of value : 10% per year |
Compensation :
150 - (30 x 4 years)
= 30 |
Compensation
(for inconveniences)
150 + 15
= 165 |
Compensation
(for inconveniences)
150 + 30
= 180 |
TV 7 years old
Purchased price: 600€
Loss of value : 10% per year |
Compensation :
600 - (60 x 7 years)
= 180 |
Compensation
(for inconveniences)
600 - (60 x 7 year)
= 180 + 18
= 198 |
Compensation
(for inconveniences)
600 + 120
= 720 |
Vase or fragile item 10 years old
Purchased price: 150€
Replacement value: 225€
No Loss of value |
Compensation 225 |
Compensation
(for inconveniences)
225 + 22,5
= 247,5 |
Compensation
(for inconveniences)
225 + 45
= 270 |
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| English translation for information purposes only, in case of dispute the French text will prevail. |
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