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Old 08.08.2014, 01:38
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MobiCasa - Bike Theft from home, are interim rental costs refundable?

Evening All,

A couple of weeks back, some thieving Bar-stewards broke into my basement (very large new apartment complex) and made away with my three custom bikes (2 MTBs and a Roadie) as well as some other bikes from the cellars of other parties.

This has never happened to me in the UK or CH, so i was at a loss.

However the Mobiliar (and the Police) were quite helpful. That is until I had the audacity to inquire the insurance agent as to how long it takes, and if he has everything he needs now to process the claim. I was told that they have to wait for the police report, and this can take 6-8 weeks...this was maybe 3 weeks ago, all the while the summer is slipping away. He did apologize for the inconvenience though ...

Anyway luckily my bike shops (Mountain Thrill in Horgen and Squadra Mondo in Altendorf) have been good and arranged for loaners for me, as I was going on holiday.

However I use my bikes to commute too, and so i will need to pay them to keep them till the new one comes in. Which brings me finally to my question.

There will be a cost element to the interim bikes. As is the case for rental cars during repairs, am I able to claim for bike rental costs, whilst the claim is being processed?

Thanks in advance for your help.

Phil.
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Old 08.08.2014, 01:43
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Re: MobiCasa - Bike Theft from home, are interim rental costs refundable?

To hazard a guess, I would suggest 'unlikely', but just ask your helpful Mobiliar agent.

Mobiliar cover your household losses (clue is in the policy name in the thread title). The example you use regarding renting a car, whilst yours is being repaired, is covered by comprehensive auto insurance.
Unless you have something similar for your two-wheelers (unlikely), then I can't see you recouping your costs.

Last edited by TiMow; 08.08.2014 at 01:53.
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Old 08.08.2014, 01:48
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Re: MobiCasa - Bike Theft from home, are interim rental costs refundable?

Can you buy a new bike and reclaim the cost against the insurance once it comes through?
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Old 08.08.2014, 22:14
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To hazard a guess, I would suggest 'unlikely', but just ask your helpful Mobiliar agent.

Mobiliar cover your household losses (clue is in the policy name in the thread title). The example you use regarding renting a car, whilst yours is being repaired, is covered by comprehensive auto insurance.
Unless you have something similar for your two-wheelers (unlikely), then I can't see you recouping your costs.
Yeah, OK thanks. I did take a look through the insurance docs, and it's not explicitly stated anywhere, so wondered if anyone had had a similar experience. Guess it's time to contact the friendly agent again

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Can you buy a new bike and reclaim the cost against the insurance once it comes through?
That's an options, thing is the bikes I lost were rather on the expensive side, so I really need to insurance claim resolved before I can replace them. This is why I need this interim solution.

Last edited by 3Wishes; 08.08.2014 at 22:38. Reason: merging successive posts
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Old 10.08.2014, 21:04
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Re: MobiCasa - Bike Theft from home, are interim rental costs refundable?

So sorry to hear your bikes have been stolen- but really no-one can help you on a Forum- you need to talk to your insurance- as each insurance, and each policay, can be vastly different.

We are with La Mobillière, and expensive bikes would have to be declared as individual items if over a certain value- and cost of insuring would depend if they are kept in a private always locked area, a public area which is always locked, a public area unlocked, etc, etc. You really need to look at the small print of your insurance policy for detailed conditions.

Valuable items,be they bikes, or jewellery, watches, cameras, etc- have to be insured as single items to be covered.

Last edited by Odile; 10.08.2014 at 21:14.
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