Helau and Alaaf: These insurances protect fools from the financial Ash Wednesday

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“We play cowboys and Indians!” – If you want to be different someday, you have the opportunity in the fifth season. In 2016, the “Jecken” mix up the carnival strongholds along the Rhine. While just under one in three in Germany likes the carnival time (30 percent), in the regions around Dusseldorf, Cologne and Mainz it is even close to 40 percent. This was the result of a representative forsa survey commissioned by CosmosDirekt. 1 Whether Narrenk├Ânig or carnival muffle: The best way to prepare all the time to the “crazy days” ago. As party people make sure that only beautiful memories of the party marathon and what insurance in the event of a fall, explains CosmosDirekt insurance expert Bernd Kaiser.

Train free for the Jecken!
Residents of the streets where the removals take place should park their car at a safe distance. “Who avoids the place of the action when parking protects the sheet from scratches or bumps,” said Bernd Kaiser, insurance expert at CosmosDirekt. “If the car but damage caused, usually comes the liability insurance of the causer on.” But what if the culprit is not found or long over all mountains? In this case, the comprehensive insurance covers the damage to your own vehicle.

Schnipp, snap, tie off
It is true that Carnival friends are allowed to slip into the role of another between Women’s Carnival and Ash Wednesday. However, if a mishap happens, it is best to drop the mask. Because the private liability insurance pays, if something breaks. However, only if the causer has not acted deliberately: Fools, for example, on the Carnival Thursday with scissors on ties go off, can not rely on insurance. The textile crime can be so expensive – especially if the tie of the “victim” in retrospect turns out to be a designer piece.

Carelessly sway – even at home
If you open your own four walls for a joke, then you should plan like all other parties. Safely store valuables such as notebooks, tablets, jewelery or money in cupboards and then open the fool’s nest to the fool’s nest. The reason: “The insurance only provides a proven burglary theft. If a party guest steals objects, there is no insurance cover, “says Bernd Kaiser. If, despite all precautionary measures, an insured event occurs, it is advantageous for the regulator to be able to show owners photos and invoices of the stolen objects.