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Merkler chat || Hapftlich
😃: if I loose my keys, is it covered in this?
🤖: Yes, the loss of keys is covered under this insurance policy. The coverage includes the costs for replacing the keys, necessary replacement or reprogramming of locks and security systems, temporary security measures, and if required, object protection for up to 14 days from the time the key loss is discovered. However, the coverage does not include consequential damages resulting from key loss, such as damages caused by break-ins. The maximum compensation for non-negligent or slightly negligent key loss is 2,500 EUR per claim.
😃: What about damages to my home?
🤖: The provided context information pertains to a liability insurance policy, which covers damages caused to third parties. Therefore, damages to your own home are not covered under this policy. It's important to note that liability insurance typically does not cover damages to your own property, but rather damages you may be held liable for causing to others. For coverage of damages to your own home, you would typically need a separate home insurance policy.
😃: what is the worst clause of this insurance?
🤖: The insurance contract includes several exclusion clauses that limit the coverage. One of the most restrictive clauses might be found in section 8.5.1.3, which excludes coverage for damages to property that is attributable to a business, trade, profession, service, or office of the policyholder or a co-insured person. This clause could potentially exclude coverage for a significant portion of damages that might occur in a professional or business context. However, the interpretation of the "worst" clause can vary depending on individual circumstances and priorities.
😃: so, if I damage my office laptop is that covered by this insurance?
🤖: Based on the provided context, the insurance covers damages to borrowed or rented movable items, including medical devices and equipment. However, it specifically excludes damages to items related to a business, profession, job, service, or office. Therefore, damages to an office laptop would not be covered by this insurance.
😃: what is the cost of this insurance?
🤖: The cost of the insurance can be found in the application and the insurance certificate. It includes the amount of your insurance premium and the duration of the contract.
😃: what is the best company for this type of insurance?
🤖: The context does not provide a comparison between different insurance companies, so it's not possible to determine the best company for this type of insurance. However, the Mecklenburgischen Versicherungsgruppe is mentioned as the provider of this insurance.