Choose an insurance policy for your personal belongings
Consumer equipment is an insurance for personal belongings specifically designed to protect recently purchased goods that are valuable to you, such as computers, consoles, scooters and electric bikes, musical instruments, drones and many more.
Why do people protect their personal belongings with Occident?
FAQs
This insurance is for anyone who has purchased new equipment for their personal use and who wish to protect it against any damage.
- Personal mobility vehicles, such as bicycles, and sports equipment, such as home exercise equipment (static bike, treadmill, etc.), golf clubs and paddle surf boards.
- Gaming and office equipment, such as desktop or laptop computers, tablets, video game consoles, gaming chairs, augmented reality glasses, and 3D printers.
- Functional assistance devices, such as wheelchairs (manual or electric), handbikes, hearing aids and cochlear implants.
- Photo and video cameras
- Household items, such as small household appliances, televisions, etc. and personal devices such as smartphones, smartwatches, GPS or drones.
- A wide range of musical instruments: guitars, bass, piano, wind, string, etc.
For some equipment, such as bicycles or wheelchairs (whether manual or electric), it is possible to include, in addition to basic material damage coverage, civil liability coverage to cover material or personal damage, as well as any losses arising from such damage, that you may unintentionally cause to third parties through the use and ownership of your vehicle or equipment. In addition to the compensation, court expenses and bonds are included.
The payment of fines or penalties, or the consequences of not paying them, are not covered.
It is also not possible to include liability coverage for electric scooters since they must have mandatory circulation insurance.
Yes, depending on the personal item you insure, for example in the case of a personal mobility vehicle, if you have an accident, you will be covered.
The accident expense coverage includes payments for the following:
- Hospitalisation and medical/pharmaceutical expenses
- Travel and subsistence expenses, if the medical professional specifies that the treatment must be provided in a city other than your primary residence.
- Expenses for home-based care.
- Physical rehabilitation.