|
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 € |
| |
| English translation for information purposes only, in case of dispute the French text will prevail. |
| |
|
|
|