If a water pipe breaks, gather up everything that's important to you but don't take any risks. Photograph the damage and store damaged items (e.g. short circuit). Report the incident to your insurer immediately. It may be possible to take steps to prevent further damage. It may be possible to take steps to prevent further damage to your household contents. Even if a piece of glass furniture such as a tabletop or a wall mirror breaks, report it to your household contents insurer.

In the event of burglary or theft, inform the police immediately and file a report. The insurance company needs the police report or your report to the police to settle the claim. 

After hail damage, take photos of your car and report the claim to your insurer online. In the event of a rear-end collision, secure the accident site and complete the European accident report. Also, take clear photos and include the contact details of those involved as well as any witnesses. You can submit the claim using the online form. 

If possible, pull over to the right. For your own safety, put on the high-visibility vest. Contact the insurance company by phone. 

If you have broken something that belongs to someone else, this is a case for your private liability insurance. This applies, for example, to devices in your rental apartment or if a mishap occurs while you are a guest in someone’s home. Report the loss to your insurance company online with all the necessary information.

If you are unable to make your trip due to health reasons, cancel the booking(s) and submit the information to your insurance company using the online claims form. You can also simply report travel-related incidents to your insurance company online – if you were unable to continue your trip due to an accident, illness, strike or severe weather, or if you had to return earlier. In the event of an emergency, you can also contact your insurance company by telephone.