Theft insurance: comprehensive support before the loss adjustment
In 2019, there were 231,900 cases of home burglaries in France, and 68,700 cases of theft from places of business. The victims of theft often experience it as a violation of their privacy, so there is a significant psychological component, which should be considered before and during the claim loss…
In 2019, there were 231,900 cases of home burglaries in France, and 68,700 cases of theft from places of business. The victims of theft often experience it as a violation of their privacy, so there is a significant psychological component, which should be considered before and during the claim loss adjustment. In addition to having solid insurance skills, the Stelliant group has developed a digital pathway designed for the policyholder who has suffered a loss so that he or she can make an initial estimate of the stolen goods.
Property covered by theft insurance
Theft insurance, which is traditionally included in multi-risk home insurance, protects policyholders against theft committed at their home. Business properties can also be insured against theft. Given the multitude of objects that an insured person is likely to possess, theft insurance covers a wide range of goods: from the most common (small household appliances, cash, telephone) to the most valuable (jewellery, works of art, antique furniture). Theft may be accompanied by damage to property or acts of vandalism, which are also covered. As soon as the assignment is made, our teams accompany the insured in order to explain the procedure in anticipation of the arrival of a specialist loss adjuster on the premises.
End-to-end support, close to the policyholder
As soon as the insured has reported a theft to his insurer, our managers contact him to explain the situation, answer his questions and gather all the evidence necessary for a fair evaluation of the stolen goods: invoices, photographs, guarantee documents, etc. This preparatory work allows our multi-specialist loss adjusters to start putting a figure on the losses, whether they are working on site or remotely. Our loss adjuster reassures the insured by explaining the process. This is proof of transparency so that no element is overlooked in the consideration of the theft cover taken out. Whether for individuals, professionals or companies, Stelliant Expertise offers a clear and precise digital path that facilitates the follow-up of the file for all interlocutors, insurers as well as policyholders.
Theft cocooning: an unique approach
Stelliant Loss Adjusting brings together theft adjusters with a variety of academic and career backgrounds: art history graduates, auctioneers, gemmologists, etc… ultra-specialised professionals who are able to do loss adjustments on all sorts of stolen objects, from jewellery to artwork to furniture.
Stelliant Loss Adjusting is also a team of 12 people entirely dedicated to theft claims and tasked with providing comprehensive support to policyholders. A “cocooning” strategy that factors in the psychological effects of this type of incident.
With this approach, theft victims can count on specialists that both educate them and listen to their questions, creating the best possible conditions for doing the loss adjustment. This assistance is good for the insurance manager, who saves precious time, but also for the policyholder, whose peace of mind is restored.
In cases of property damage or vandalism, policyholders can also get suitable in-kind repair solutions with Stelliant After Loss Solutions.
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