Candles, decorations etc.
Fire damage at Christmas time: Which insurance pays?
Updated on December 4, 2024 – 6:18 p.mReading time: 1 min.
The risk of fire damage increases during Advent. So that those affected are not left with the damage in an emergency, they should be well insured. But with which policies?
Whether on the Christmas tree or on the Advent wreath: Advent only becomes really cozy with candles. But despite all the romance, you should not leave these and other potential sources of fire unattended. Last year, a good 6,000 additional fire losses with a volume of around 27 million euros were reported to insurers around Christmas time, according to the German Insurance Industry Association. Which three insurance policies help in an emergency:
The BdV recommends that all insurance policies ensure that the provider expressly waives the objection of gross negligence. Otherwise, they could make deductions when settling the claim if the burning candles were left unattended for a while.
