Burglary Insurance

The Burglary insurance provides cover for loss or damage to the insured property caused by forcible entry or exit to or from the premises containing the property covered including damage to the building caused by the thieves. Effectively, this means that a loss not involving a “break in” would not usually be covered. For example, if a thief walks into a building which has been left unlocked and steals something, it would not usually be covered. There is also no cover where entry is by key, a trick or concealment on the premises while open, and leaving without forcible exit. However if the keys were obtained by threat or force, cover would usually apply. The sum insured should reflect the full replacement values of the property and not selected items. Information required to enable the underwriter


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