Theft insurance provides financial cover for the belongings in your home or business if they're stolen or damaged during a burglary or attempted break-in.
Theft insurance covers the financial loss when the contents, fixtures or stock inside an insured building are stolen or damaged as a result of theft or attempted theft, within your policy limits.
Homeowners with valuable belongings and business owners holding stock, cash or equipment both benefit from theft insurance as a complement to their home or workplace policy.
Theft cover is often included as part of a home or workplace insurance package, but it can also be arranged as a standalone policy with higher limits.
A police report, proof of ownership or receipts for the stolen items, and a completed claim form are the main documents typically required.
Standard policies usually require evidence of forced entry; theft without such signs may need to be covered under special terms — ask us when requesting your quote.
Incidents with no sign of forced entry, thefts involving employees or people living with you, losses caused by mislaying or forgetting items, and valuables not declared on the policy fall outside the cover.
Report it to the police as soon as you notice it, and notify Aveon Insurance within 48 hours at the latest. Delays can work against you during the claims process.
Settlement is based on the market value of the item on the date of loss. Evidence such as invoices, warranty documents or photographs speeds up the valuation and works in your favour.
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