Report your claim

Report your claim online

You can send us your claim at any time through the online claim service of our cooperative, outside our office hours and at weekends as well. Photos and documents can be uploaded there directly so that we can start work straight away.

We record the claim, match it to your policy and pass the documents to the insurer responsible. We stay with the case until a decision is reached. The decision on cover and benefits rests with the insurer.

Your obligations in the event of a claim

Notification according to § 28 (4) of the German Insurance Contract Act (Versicherungsvertragsgesetz, VVG) concerning conditions subsequent to the policy. The law obliges us to inform you about your obligations when a claim occurs.

As far as you reasonably can, you must avert and mitigate the damage and follow the instructions of the insurer. We need your assistance in processing a reported claim. You are therefore obliged to give the insurer a detailed and truthful report in due time and to assist with the assessment and settlement of the claim. All circumstances relevant to handling the claim must be communicated, including all requested documents and supporting records.

This applies in particular in the event of burglary, robbery and theft. In those cases you must draw up a list of the stolen items and submit it without delay both to the insurance company and to the responsible police department.

If obligations are breached

Please note the legal consequences of breaching notification, information and investigation duties. In the case of an intentional breach, in particular if you deliberately give no information or false information or fail to provide the required documents or records, cover can be denied. In the case of gross negligence, benefits may be reduced in proportion to the severity of the fault.

If you are unsure what applies to your policy, call us before you file. That is exactly what we are here for.