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Old 17.10.2020, 17:49
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Burglary

My house just got burglared while I was away and police were here to take traces and evidences. House are in the mess and I am still in shock and disbelief as this was my first time. I have house insurance with Allianz. The police told me to wait for his police report. Any advice on what documents to provide to insurance company and police are highly appreciated. Anyone experience this previously , please share important steps to do.
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Old 17.10.2020, 19:20
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Re: Burglary

A break-in (Einbruch), covered by your Allianz Hausrat insurance, can be reported to Allianz at this link:

https://www.allianz.ch/adp/privatecu...ppened-content
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Old 17.10.2020, 19:23
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Re: Burglary

Does this happen often in Switzerland. I have to say I feel very safe here. I wonder if the insurers pay out for computer equipment if stolen or whether they give you a hard time
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Old 17.10.2020, 19:31
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Re: Burglary

I'm so sorry that's happened to you. You must feel completely shocked. I was in a state of shock when my house (in the US) was broken into years ago. I came home and found the door handle busted in. I grabbed a hammer and called the cops (having no idea if they were still in the house somewhere). What's even creepier is that I eventually realized that the only thing they stole was some of my lingerie.

Anyways... I hope nothing was taken that's irreplaceable. From what I've heard, the police here are very good about investigating this kind of crime -- to the extent possible.

In our neighborhood (here in CH), there were apparently some break-ins a year or so ago, into people's ground level apartments. One day I was driving to the store and they had police blocking the street and stopping everyone who was driving in and out of the neighborhood, to ask where they live and to warn them about it, etc.
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Old 17.10.2020, 20:17
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Re: Burglary

I had a breakin when I was still living in Montreux quite a few years back.
It was a house with 3 flats where I had the bottom one. It was built on a hillside so my flat and the middle one where hidden from streetview. Those are the two they broke in to, during the day never the less. Made a hole in one of the window & used some sort of wire to move the handle. Made a big mess....

What disturbed me the most was not the fact that they had taken things, but that strange uninvited people had been inside my flat and touched my things.

I am sorry this had happend to you, I know how you feel

Insurance was not a problem. They also said I could complete the list at any time since everything missing might not be obvious right away. They paid for a new window aswell.

Police said the chance items would be recovered were slim to none.
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Old 17.10.2020, 20:43
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Re: Burglary

Wow, that's awful. So sorry that happened to you!

No, this is not common in Switzerland.

Tips (in no particular sequence):
  • Check your formal documents to see if any of those are gone: passport, ID-card, permit, birth certificate, marriage certificate, divorce judgment, driver's licence, certificates of qualifications, etc.
  • If any part of the building was damaged, e.g. the door smashed in, then call the emergency number of landlord, if you are renting, or if you own the place, then put in at least a temporary barrier, until you can get hold of a tradesman on Monday.
  • If your insurance has a 24-hour hotline, phone there and ask them what they will need from you. Or else on Monday.
  • For tonight, if you are feeling afraid, then try to call someone to come and visit you, and possibly sleep over. Alternatively, if you feel shaken, you can always call 143 (telephone helpline).
  • Check your records of any receipts or guarantees or proof of payment for any equipment that may have been stolen. Sometimes an insurance company may ask for that. And seeing your own documentation can remind you to look for that item, too, to see if it was also stolen, or is still with you.
  • If you have not already tidied up, then take photos.
  • As you tidy up, try to make a list of further things you realise are missing, or which are desirable for a thief, (like a laptop) but are definitely not missing.
  • Speak to your neighbours. Sometimes thieves work their way through a street, so your neighbours should take care, in the next while, about locking up.

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Old 17.10.2020, 20:58
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Re: Burglary

Hi all,

Thanks for the great advice. Yes, it is scary and feel so insecure. All the cabinets are broken open.

I immediately noticed my hidden cash, wedding jewelleries gifts and watches are missing. My laptop too! Extremely DEVASTATED!
Just wondering if anyone has experience with insurance handling without receipts, especially gifts.

Is it necessary for me to list out all the missing items to the police so that they will be listed in the police report?

Thanks in advance for your advice!
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Old 17.10.2020, 21:04
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Re: Burglary

Very sorry for this, thoughts with you at this difficult time!!

Not much to add to what's already been written so far, other than in my experience Swiss insurance is very professional, quick and helpful in dealing with these situations. I'll pray for you!
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Old 17.10.2020, 21:11
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Re: Burglary

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Is it necessary for me to list out all the missing items to the police so that they will be listed in the police report?
Yes. List as many as you can. And also put down, in writing, to the police and the insurance company, that there may be other items that you will add to the list later.
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Old 17.10.2020, 21:13
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Re: Burglary

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Just wondering if anyone has experience with insurance handling without receipts, especially gifts.
If you know the people well, who gave you the gifts, you could tell them what happened, and ask them if they would be willing to help you, now, by sending you a receipt, or proof of payment, if they have it.

If you don't want to ask them, you could try to google the same or similar item, as if you were to try to buy it, online, and and use that to support your claim.

Even if you can't find something similar, still put the item on your list.
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Old 18.10.2020, 12:25
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Re: Burglary

Thanks to all for your advice. Yes, will try to ask gift receipts from friends and relatives.

We are still in the middle of tidying up the rummage. Also panicking to find all the receipts of the stolen stuffs. Any idea if there is any deadline to submit the application and receipts?

What if after submission, we discover items/receipts that are missed out in the stolen list? Can we add them later?

Any experience?

Thanks again.
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Old 18.10.2020, 13:12
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Re: Burglary

My insurance told me not to worry & that I could submitt at any time.
They understand that one is in shock, there is no need to panick!

Most if not all insurance companies offer a 24h emergency phone service. Call them, I am quite sure you will feel better after.

Big hugs & Courage
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Old 18.10.2020, 15:11
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Re: Burglary

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Does this happen often in Switzerland. I have to say I feel very safe here. I wonder if the insurers pay out for computer equipment if stolen or whether they give you a hard time
From my experience, and my friendsí experience, it does happen often in Switzerland. Once my apartment was burgled, and every apartment building in Switzerland in which iíve lived has had a break-in.
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Old 18.10.2020, 15:51
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Re: Burglary

I get the impression it is rather common. Several people I know personally have had break ins or attempted break ins. We watched a neighbor have a break in (called the police and watched closely hoping to get ID on the guys but it was dark and they smartly avoided all the street lights). Where we live nearly everyone had a sign ďattention au chienĒ on their door or gate, whether or not they have a dog. One policeman told us itís sometimes advisable to leave some cash in the entry as often burglars are scaredy-cats and will be happy with the first few things they can quickly get their hands on. Whether or not thatís true I donít know.
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Old 18.10.2020, 20:39
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Re: Burglary

Sorry to hear it. Hope you recover from the shock and get back to normal quickly.
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Old 18.10.2020, 21:55
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Re: Burglary

Really sorry to hear that. I was burgled about 15 years ago and the main memory is not about the stuff that were stolen, but of the burglars' footprint on my bedding. I guess he took the shortcut from the wardrobe to the drawers by jumping on and over my bed. So yes, the feeling that a stranger has gone through your stuff is really sickening.

Allianz paid my claims very quickly. I sent them as many receipts as I can find. But they also don't expect you to have a receipt for everything, so you can also put stuff on the list with the estimated costs. They even covered the stolen cash (but now it seems that you have to trigger this option in your coverage).

There is no rush, just try to remember everything. After sending them the list, they only contacted me once to ask one question: my bank account no. They paid after a few days.

It does happen quite regularly. The police took some hours to come to my place because they had to attend to 2 other break-ins. On the other hand, almost all break-ins in Switzerland are opportunistic i.e., they see a dark apartment with no close neighbours, they try it. The police provided a free consultant afterwards which was helpful. He looked through the offers I had for alarm systems etc., gave me advice about safety aspects of my place and so on. But the main thing he told me is simple - as they are opportunistic, don't advertise that you are not at home. Leaving your apartment dark, blinds down, etc. are sure signs that no one is at home. You want to do some simple things that will encourage them move on to the next building and not attempt anything at your place.
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Old 18.10.2020, 22:58
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Re: Burglary

it's common enough, it happens in waves. There was a big wave in Ticino at some point (10 years ago?) then they started a campaign to prevent this and increase neighbourhood surveillance (mostly reporting of suspicious cars) and since then it doesn't happen so much anymore.

Mostly transient professionals of crime.
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Old 19.10.2020, 13:01
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Re: Burglary

In our last house near Zurich we were burgled twice in 6 month period. The house had insufficiant locks and we were away in the UK. The landlord fitted mickey mouse locks to the doors, but they came back and just drilled through them.

They also burgled our neighbour the same night when they were asleep in the house. The house was in a terrace but backed onto a field with a public path at the end of the garden.

The police were average, took details and asked for an email of missing items.

As for the insurance, they paid out without receipts or proof, but of course it can never replace sentimental belongings.

They caught the burglar, a Serbian having a little nap in his car, he was on a little holiday robbing houses.
Apparently nearly all the houses in the terrace had at some stage been burgled.

I now own a house with a full integrated alarm, would recommend fitting your own door alarms, motion detectors and motion activated lights and even a camera...all relatively inexpensive. Burglars don't like the sound of an alarm in the middle of the night, puts them off somewhat. I also bought a little light box that flickers, from the outside it looks like a television is on.

Last edited by Stoker177; 19.10.2020 at 13:04. Reason: additional information
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Old 19.10.2020, 16:46
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Re: Burglary

It happened to me too, over new year's 2019/2020, whilst everyone was out of the house. They came in through the window in my room (we are on the garden floor with public access...) and I hadn't shut the blinds so my laptop was tempting for them... Great 2020 surprise when I came back...

The police came the same night and were professional.

I did not have insurance (X_X) but the main tenant (I was subletting) did and they had lived there for many years. They managed to negotiate a payout for me after a visit of the place to confirm that all the furniture was under the insured limit.

Unless you are lucky, it seems that they have bigger fish to fry, rather than investigate a burglary.

I had flashbacks of the incident for months ... only time will dilute the sense of anxiety. But I double check to lock everything up and shut windows/blinds just to reduce the temptations.
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Old 19.10.2020, 17:37
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Re: Burglary

So sorry for what has happened. Unfortunately burglaries are far more common in Switzerland than we think, or are led to believe. It's just they are rarely reported. The most common targets are houses, especially detached ones, and ground floor flats. Almost everyone I know in the Zurich area and here in Ticino have been victims.



Recently two of our apartments, both ground floor, were the subject of an attempted burglary. Luckily we have the very strong Griesser blinds which were fully down, so they could not get in - but they caused a lot of damage to them. They will cost about CHF 4,000 to replace and repair. Luckily the insurance will cover it.
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