A SITUATION OUTLINE OF THE CASE STUDY

For the light festival “Wintergloed” in Bruges, our customer made a light construction. It was set up on a pond. The construction was blown over by strong gusts of wind and ended up in the pond. As a result, a lot of light tubes were damaged.

PROBLEMS

The construction was composed of light tubes on the one hand, of which the customer is owner and on the other hand with rented materials.

Immediately the question arises: which insurance(s) can be called upon to obtain compensation for all damage suffered?

*Fire insurance?

Storm is a covered guarantee in fire insurance, but the following problems arise:

• Objects in the open air are not insured in the event of a storm
• The damage must occur at the risk address that is included in the fire policy
• Standard coverage is only included when the goods are owned by the policyholder

*BA Operation?

Unfortunately, there are to many obstacles here:

• BA-Operation focuses on damage to third parties and not on goods owned by the customer
• A customer MISTAKE must be proven
• The equipment was rented and this is not provided as standard in the “entrusted property” guarantee

THE SOLUTION THAT WAS PROVIDED

The customer had taken out an All Risk Electronics policy in which cover is provided for both its own and rented light tubes. In consultation with the insurance company's expert, all damaged equipment was checked & budgeted. This way the customer received correct compensation for their own damage, but the rental company was also compensated for their broken light tubes.

A HAPPY CUSTOMER

Deltarent responded: “Due to the proactive attitude of D'hondt Insurance, the policies were optimized several times a year, so that the capital was correctly insured. Due to the rapid follow-up of the claims services of D'hondt Insurance, expertise was quickly started. We were also assisted in the expertise by the file manager who defended our case well prepared. As a result, we were able to close the file very quickly and the correct reimbursements were received on our account soon after. The smooth handling of our file ensured that we could continue to focus on our job.”

Text: Kelly Debeir & Marie Ghesquière

Source: D’hondt Insurance