Question

Rakhi has gone to London for 30 days and during this period her house was burgled. In this case, will the loss be covered under Burglary Insurance? If not, then why not?

Hint:

Burglary insurance requires occupancy — long vacancy without notice can void coverage.

Answer 1

Burglary insurance covers loss due to burglary involving forcible and violent entry or exit.
However, there are certain conditions attached to the policy.
One important condition is that the premises must not be left unoccupied for a continuous period beyond a specified limit, usually 7 or 15 days.
If the house remains vacant for a longer period without prior intimation to the insurer, the policy stands suspended during that period.
In Rakhi’s case, she went to London for 30 days, leaving the house unoccupied beyond the allowed limit.
Since she did not inform the insurance company about the extended vacancy, the burglary claim will not be paid.
Therefore, the loss will not be covered because the premises were left unattended for too long without notice.