Insurance claims

Yes. The policies cover different risks. Partial comprehensive cover may apply, for example, to certain fire, glass or natural event damage. Fully comprehensive cover additionally includes, in particular, certain self-inflicted accident damage and vandalism damage. Your policy is decisive.

For an initial enquiry you can contact us. Before commissioning, however, you should clarify with your insurer which requirements apply and whether handling through us is accepted. Even free choice of workshop does not automatically mean that all the intended costs are covered.

Yes. We take the documented damage into account and check the intended work. An assessor's report alone, however, is neither an order to us nor a binding commitment to cover costs.

You can still enquire. Whether an inspection, an estimate or an assessor's report is needed depends on the claim. For comprehensive motor insurance claims, agree any commissioning of your own assessor, and the costs of doing so, with your insurer beforehand.

Yes, if your insurer agrees to direct settlement, we can submit the invoice directly to them and receive payment. We discuss the documents required for this with you.

An agreed excess and costs that your insurer does not cover may remain with you. We clarify possible costs to you as far as possible before you commission the work.

Then the other party's third-party motor liability insurance may be responsible, insofar as that party is liable for the damage. In this case too, we can organise the commissioned work. An appropriate assignment of claims can be agreed for the settlement. Where liability is disputed, independent legal advice is sensible.

No. What matters is whether an insured event has occurred. A drink you spilled yourself or an everyday stain is generally not insured under a typical home contents policy merely because a piece of furniture is affected. Special tariff agreements may differ.

Yes. We check the type of leather, its condition and the pattern of damage. We then discuss whether cleaning, leather repair or pigmentation is suitable.

Not necessarily. Depending on the material and the extent of the damage, reconditioning can be an alternative. Not every kind of damage, however, can be rectified completely or without visible traces.

Feel free to bring the documents along. We take into account the findings relevant to our services and discuss how they might be implemented.

Where possible, agree disposal with the insurer first and document the damage. Follow the safety instructions of the relevant authorities. Items contaminated with hazardous substances should not be kept in use or stored unprotected solely to preserve evidence.

We clarify the possible settlement route case by case. Our form for vehicle damage cannot simply be transferred to home contents claims. We therefore cannot promise direct settlement across the board.

Yes. We inspect the affected area and discuss which cleaning is possible. Whether the insurer pays must be clarified separately. With sudden vomiting there may be no legal liability. With small children, special liability rules and possible tariff benefits also come into play.

Document the soiling and contact us as soon as possible. Avoid aggressive cleaning agents and heavy soaking of the upholstery. We check how deeply the soiling has penetrated and which treatment is appropriate.

Personal liability insurance may come into consideration. That depends, among other things, on how the damage occurred, who is liable for it and whether insurance cover exists. We can assess the necessary work professionally and describe the expected costs.

Damage to your own property is generally not covered by ordinary personal liability insurance. Special contractual extensions may differ. You can also commission cleaning or reconditioning from us independently of any insurance benefit.

No. Parental liability does not follow simply from the fact that their child caused damage. Among other things, the child's age and a possible breach of the duty of supervision may play a role. Some tariffs provide additional benefits for damage caused by children who are too young to be held legally liable.

No. We assess the material, the damage and the possible work. We do not carry out a legal assessment of liability or give a binding commitment regarding insurance benefits.

That is possible. Excesses, uninsured additional services or other amounts not reimbursed may remain with you.

What you owe us depends on your order and the specific settlement agreements. An expected insurance payment does not automatically cancel your obligation to pay.

With an assignment you transfer the claims specified in it to us so that we can assert them directly to the agreed extent.

The assignment in our vehicle form is expressly intended for third-party motor liability claims. It is no guarantee that the insurer will cover all costs.

If, under this agreement, we hold you liable because the insurance payment is missing or incomplete, this is done against reassignment of the outstanding claim. Payments by the insurer towards our invoice are of course credited.

Yes. You can also pay for suitable cleaning, reconditioning or repair yourself. We discuss the intended work and costs with you before you commission it.

For your initial enquiry, photos and a short description of the damage are usually enough.

• If available, the following also help:
• assessor's report or estimate
• claim number and the insurer responsible
• any information already available on cost coverage
• details of the vehicle, piece of furniture and material
• for furniture, proof of purchase where applicable

Please send only the information needed to handle your enquiry. We do not need medical documents or information about uninvolved persons for the initial assessment.