{"id":36376,"date":"2025-06-23T09:00:00","date_gmt":"2025-06-23T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=36376"},"modified":"2025-06-23T20:00:06","modified_gmt":"2025-06-23T18:00:06","slug":"insurance-cover-children-mischief","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/insurance-cover-children-mischief\/","title":{"rendered":"Does insurance cover your children’s mischief?"},"content":{"rendered":"
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Horror! La televisi\u00f3 no funciona perqu\u00e8 un dels teus fills estava jugant i ha llan\u00e7at alguna cosa contra la pantalla o, fins i tot pitjor, l’ha tirat al terra. Es tracta d’accidents d’all\u00f2 m\u00e9s habituals quan hi ha nens petits a casa. La teva asseguran\u00e7a de llar es faria c\u00e0rrec de la reparaci\u00f3 en aquesta mena d’accidents?<\/b><\/h3>\n

 <\/p>\n

Els nens es passen el dia jugant i \u00e9s habitual que en un moment o un altre acabin trencant alguna cosa a casa. <\/span>La televisi\u00f3 \u00e9s un dels objectes de valor que amb m\u00e9s facilitat pateix les conseq\u00fc\u00e8ncies de les seves entremaliadures<\/b>, especialment ara que s\u00f3n m\u00e9s lleugeres que mai i es poden caure amb facilitat en cas de rebre un cop.<\/span><\/p>\n

Les assegurances de llar inclouen dins de la cobertura de responsabilitat civil els danys que els nens puguin provocar a tercers dins o fora de casa, ja que es dona per fet que es produeixen per accident. Per\u00f2 <\/span>elements com la nostra pantalla de televisi\u00f3 no entren en la categoria de danys a tercers<\/b>, sin\u00f3 que s\u00f3n danys propis, per la qual cosa normalment estan exclosos.<\/span><\/p>\n

 <\/p>\n

Quines reparacions solen cobrir les assegurances de llar?<\/b><\/h3>\n

Si no tenim contractades cobertures addicionals, <\/span>els danys que normalment cobreix una asseguran\u00e7a de llar s\u00f3n els provocats per l’aigua, els fen\u00f2mens atmosf\u00e8rics i els derivats d’un robatori<\/b>. Tamb\u00e9 sol incloure’s la reparaci\u00f3 d’electrodom\u00e8stics en cas de sobrec\u00e0rrega de tensi\u00f3, tot i que en aquests casos normalment s’estableix un l\u00edmit d’antiguitat per a l’electrodom\u00e8stic.<\/span><\/p>\n

A m\u00e9s, les assegurances de llar solen incloure <\/span>la reparaci\u00f3 o restituci\u00f3 de vidres trencats i fins i tot sanitaris<\/b>, per\u00f2 poques vegades fan refer\u00e8ncia a elements com les pantalles de les televisions. I un televisor trencat pot convertir-se en un gran problema perqu\u00e8 la reparaci\u00f3 pot ser m\u00e9s o menys costosa en funci\u00f3 de quines peces hagin sofert danys.<\/span><\/p>\n

 <\/p>\n

La conveni\u00e8ncia d’una cobertura espec\u00edfica<\/b><\/h3>\n

Com m\u00e9s val prevenir que curar, <\/span>quan es tenen fills petits \u00e9s aconsellable contractar una asseguran\u00e7a que cobreixi qualsevol dany que es produeixi en la llar per accident<\/b>. Aix\u00f2 s\u00ed que ens protegiria en cas que algun dels nostres fills trenqu\u00e9s la televisi\u00f3 mentre juga, o fins i tot si es despeng\u00e9s una l\u00e0mpada i caus\u00e9s danys en un moble o algun altre element.<\/span><\/p>\n

De tota manera, cal tenir en compte que aquest tipus de cobertures no ens protegeixen absolutament de tot. <\/span>Sempre hi ha l\u00edmits i b\u00e9ns que estan exclosos<\/b>, com sol passar amb les ulleres. Per aix\u00f2, \u00e9s necessari llegir amb atenci\u00f3 la p\u00f2lissa abans de contractar-la per comprovar quins danys es poden reclamar i quins no.<\/span><\/p>\n

 <\/p>\n

Qu\u00e8 fer en cas de sinistre?<\/b><\/h3>\n

Si una malifeta dels nostres fills ha provocat algun desperfecte a casa, <\/span>conv\u00e9 contactar amb la companyia d\u2019assegurances el m\u00e9s aviat possible per comunicar el sinistre<\/b>. L’habitual \u00e9s que les companyies atorguin als seus assegurats un <\/span>termini<\/a> <\/span>m\u00e0xim de set dies per fer-ho des que en tenen coneixement, tot i que en algunes p\u00f2lisses aquest termini s’amplia.<\/span><\/p>\n

Quan parlem amb l’operador, haurem d’explicar-li qu\u00e8 \u00e9s el que ha succe\u00eft i quines s\u00f3n les conseq\u00fc\u00e8ncies de l’accident. Qui ens atengui ens confirmar\u00e0 si aquest desperfecte est\u00e0 o no cobert per la p\u00f2lissa. En cas que ho estigui, es despla\u00e7ar\u00e0 al nostre domicili un p\u00e8rit per examinar els danys i emetr\u00e0 un dictamen amb la soluci\u00f3 adequada. En el cas de la televisi\u00f3, aix\u00f2 podria implicar la reparaci\u00f3 o el canvi per una nova.<\/span><\/p>\n

 <\/p>\n

Si vols con\u00e8ixer una asseguran\u00e7a justa per a la teva llar i per a la societat, descobreix <\/b>11Onze Segurs<\/b><\/a>.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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