Can I claim my insurance company as I have a typical insurance policy covering just aggravated theft to cover me for theft of home assets if the thieves cleanly entered my house by means of just using an electronic frequency opening code they somehow got without my knowledge?

28 Oct Can I claim my insurance company as I have a typical insurance policy covering just aggravated theft to cover me for theft of home assets if the thieves cleanly entered my house by means of just using an electronic frequency opening code they somehow got without my knowledge?

Yes you can. According to recent succesive reforms in the Spanish Penal law a thief’s use of legitimate keys lost by the proprietor or obtained by means that constitute penal infraction as well as the use of false keys, constitutes an aggravated theft (robo) and not a light one (hurto). Recent reforms have now included as keys any cards, magnetic or perforated, the controls or instruments of remote opening and any other technological instrument of similar effectiveness.

Such clarification is important in order to determine your insurance’s coverage for cases of theft at home, normally restricted just to cover the aggravated theft (robo). In case of doubt about it, we advice to have a look at your insurance’s policy to see if it still has some exclusions not adapted with this update in the Penal law.