Locksmith repair insurance?

Locksmith repair insurance?

Locksmith insurance: what coverage in the event of an emergency response?
Are you facing an emergency situation: a flood following a water leak, a broken lock or a broken window? Your home insurance covers you against this type of damage, provided you have considered the appropriate guarantees.

The emergency home repair guarantee allows you, for example, to call a locksmith in Arras quickly, with peace of mind, since it covers all or part of the costs associated with the repair. However, this guarantee must have been provided for in the special conditions of your property and casualty insurance contract. Explanations.

The guarantees to be included in your insurance contract
What can be the limits?
Why call on a professional approved by your insurance?
Loss of keys: what to do if you are poorly insured?
What guarantees should be provided in the event of a breakdown service?
Checking the guarantees provided in your insurance contract makes sure you are covered for the most common repairs such as:

The locksmith: slammed door, broken locks, loss of keys to an entrance door, a garage door, a gate, etc.
Plumbing: search for water leaks, water damage, clogged sinks or sinks, etc.
Electricity: electrical system malfunction
Heating: malfunction of the heating system or the boiler, for example
Glazing or mirrors: in the event of broken or cracked windows exposing the occupants to injuries or cuts.
It is important, before any emergency intervention, to contact your insurer to check the type of intervention covered as well as the scope of the guarantees of your property and casualty insurance contract. Calling in a locksmith, a plumber, an electrician or a glazier without first inquiring or verifying that these guarantees were covered by his contract can be excessively onerous. Certain interventions, at night, on Sunday or even on public holidays can be very expensive given the surcharges applied by professionals in the trade or depending on the work to be planned. In addition, some insurance companies require to be notified before any intervention, as most of them work with licensed professionals. We invite you to observe your home insurance in Arras or elsewhere.

What are the possible exclusions in terms of insurance?
Each insurance company can define the emergency repairs guaranteed by its basic contracts. Generally, only the technician's travel expenses are covered under emergency breakdown insurance. Coverage of other costs depends on your contract, but often the exclusions are as follows:

Limited support for the technician's intervention time (e.g. limited to the 1st hour)
All or part of the parts that remain the responsibility of the owner or the tenant of the accommodation as the case may be
A cap on the cost of the intervention
It also happens that this emergency breakdown insurance is limited in the year and can therefore only be used once or twice in 12 consecutive months, for example.

In addition, for certain devices (eg: boiler), the warranty applies subject to being able to prove that the mandatory periodic maintenance has been carried out and that the device is repairable.


 
It is therefore important to read your insurance contract carefully before any intervention or to seek advice from your insurer.

Why use a locksmith approved by your insurance?
In the event of emergency repairs, we often look in haste for a professional who can intervene quickly without always asking the right questions, given the urgency! However, other problems can arise if the choice of a technician is not, at the very least, considered. Bringing in a locksmith licensed by their insurance can ultimately save you more time than you might imagine.

In fact, informing your insurer before any intervention will not only make it possible to verify the extent of the guarantees of your insurance contract but also to seek advice as to professionals located near their home and who have been approved by the insurance company. 'assurance.


 
In general, all insurance companies have a list of professionals (locksmiths, glaziers, plumbers, electricians, etc.) that they can hire for emergency repairs. These professionals are selected on the basis of their skills and their ability to intervene as quickly as possible. Their intervention prices correspond to market prices since they are framed by a price list. You will therefore save time by involving one of these professionals