Stolen package – this is how it is insured

Package outside the front door

Stolen package – this is how it is insured

What a pleasure: the long-awaited package will finally arrive today. But then the package is nowhere to be seen. It was obviously stolen from the mailbox, building entrance or stairwell. Now what?
If ordered goods don’t arrive the disappointment is huge. Giving the manufacturer or online dealer a call can rule out delays in shipping. Can the post office or a private package delivery service also confirm the delivery? No helpful neighbor accepted the package for you? Then everything points to package theft from the mailbox, building entrance or stairwell. 

Contents insurance pays for package theft

This is a situation where contents insurance is worthwhile: It usually includes the coverage module "simple theft at home". This coverage also applies to package theft: The goods delivered are correspondingly insured and the full price compensated. However, in most insurances, the deductible is CHF 200. Good to know: At Zurich, the deductible is eliminated after three claim-free years. 

Package doesn't arrive – now what?

Step 1: Call the manufacturer or online dealer, check the delivery status or send an e-mail: Was the package shipped on time? Or was the shipment delayed? 

Step 2: Using the package number, check with your shipping service, such as the post office or private package delivery service, whether the package is still on the way or whether it has already been delivered. If delivery was already due, but failed to occur, you can submit a search request. 

Step 3: If the package was delivered, but cannot be found: Ask your neighbors if they took delivery of the package or saw the delivery. 

Step 4: If the package was obviously stolen, report this to the police and contact your contents insurance. You can find out there whether you can lodge a claim. At Zurich, this is possible on 0800 80 80 80 or online at https://www.zurich.ch/en/services/notification-claim

 

Special insurance for electrical devices

The additional insurance "accidental damage to electrical equipment"  might be particularly interesting for electronic devices: your new smartphone may not just be stolen in its package, but can later also be dropped, get knocked, drown in coffee or get left in the rain: Other claims due to damage or destruction are also insured with the comprehensive electrical devices insurance if you caused them yourself by accident. Unlike plain mobile phone insurance, your tablet, TV and PC are also insured – always with a deductible of at least CHF 200.  

Accidental damage to electrical equipment provides additional coverage

With the additional module "accidental damage to electrical equipment", all electronic devices in your household up to a value of CHF 2000 are insured, from smartphones and sound system to your personal computer. The premium is just CHF 65 per year. The accidental damage to electrical equipment  complements your existing contents insurance or can be included in a new insurance. 

Package is damaged – now what?

  • Check if only the package or also the contents were damaged. 
  • You got up to eight days after delivery to report damage to your next post office branch. To do so, you should bring the package with its contents to the branch where the damage will be assessed and a damage report will be drawn up. 
  • If you have included the additional module "accidental damage to electrical equipment" in your contents insurance, you can register damaged electronic devices there as event of a loss

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