The gas bottle is connected incorrectly or there is too much lighter fluid: Accidents can happen quickly when barbecuing. Which insurance companies pay when.
Ascension Day, Mother’s Day, Pentecost and the European Football Championship: In the coming weeks, there will be no shortage of reasons to fire up the barbecue with family and friends. In most cases, the convivial meal will create a good atmosphere. But if something does go wrong, consumers should at least know which of their insurance companies will cover any damage. The overview.
Regardless of whether it is a charcoal, gas or electric grill, incorrect operation can have serious consequences. If another person or their property is damaged, private liability insurance will kick in. The Association of Insured Persons (BdV) recommends a flat-rate insurance sum of at least 15 million euros, because compensation payments can be very high and take a long time.
If household items catch fire while barbecuing – such as a parasol or garden furniture – the household contents insurance is responsible for settling the damage.
According to the BdV, building insurance covers damage to your own building. If there is fire damage, the repair costs and the costs of reconstruction are paid.
Anyone who injures themselves while barbecuing and becomes disabled can benefit from private accident insurance. This is because it pays an agreed sum depending on the degree of disability suffered. This can be used to finance aids or any necessary renovations to the house or apartment.
If the injury is so severe that the last job can probably no longer be performed on a permanent basis to the extent of at least 50 percent, this is a case for occupational disability insurance, according to the BdV. The loss of earnings can then be at least partially compensated with the agreed monthly insurance benefit.
