Policy note
Theft and break ins in a houseboat
Theft is the one situation where the paperwork done long beforehand decides how quickly everything after it goes.
What follows is the ordinary position at Noorderdijk. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
A houseboat is insured as a vessel with a home inside it. The hull, the mooring and the shore connection are three separate things on the schedule.
02
What the policy covers here
- Things taken from the home after somebody forced a door, a window or a lock.
- The damage the forcing did, the door and the frame included.
- Replacing locks and keys after keys were taken.
- Things taken from a locked outbuilding, up to the amount the schedule names for it.
03
What it does not cover here
- Money and valuables above the amount the schedule names for them.
- Theft by somebody living in the home.
- Things left in an unlocked shed, garage or porch.
A receipt, a photograph and a serial number turn a report about a missing thing into a report about a specific thing. Nothing else does that job as well.