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Inger Svensson’s elderly mother lives in a retirement home in Strömstad municipality and, due to the ongoing pandemic, they have only been able to meet outdoors for the past six months.
The mother has been filled with clothes to keep warm, and therefore Inger has not realized that the necklace that always hangs around her neck no longer hangs there.
Someone stole it.
– My sister-in-law works in my mother’s nursing home and in October they told her that money had been stolen from the boss’s safe. He went to see his mother to see if something was missing there too, and he did. All her gold jewelry is gone, says Inger.
Among the jewelry was the specially ordered necklace that the mother received from her husband when he suffered a stroke in his 50s.
– Dad was so happy that she survived that he had a gold necklace made from a freshwater pearl. She always used it, says Inger.
The couple’s wedding rings also disappeared, as was a sum of cash.
Compensation denied
The value of money is secondary, the jewelry is irreplaceable, but Inger reported the theft to her mother’s insurance company, Trygg-Hansa, decades ago.
However, the message he received was not what he expected.
– They said that because the staff have the key to her mother’s apartment, it can’t be counted as a robbery, and then they don’t pay any compensation, says Ingrid.
– I was about to explode when they told me.
Håkan Franzén is an insurance expert at Trygg-Hansa. You do not comment on the specific case, but you can answer what generally applies in similar cases.
– Home insurance is designed so that you receive compensation if someone has broken into, worshiped, or broke into your home to steal. If, on the other hand, you’ve let in a person who later steals, then it doesn’t apply, he says.
If, on the contrary, the client has contracted a so-called drulle insurance, the situation is different.
I did not receive the information
– In normal cases, if it is an elderly person living in a nursing home and it is possible to prove that valuables have been stolen, we pay compensation.
Do you inform seniors about it when they move into a nursing home?
– To the extent that we have contact with this group of clients, I want to say yes.
But that did not happen in the case of Inger’s mother, he says.
– My sister called Trygg-Hansa and told me about the move and asked what insurance my mother would have. They then recommended this one, and it was the one we took.
Håkan Franzén says he understands the frustration and thinks it is good to ask the question.
– It is very important that this information comes out, and if we, as an insurance company, can help with that, it is great. This is a vulnerable group in society, he says.
The theft has been reported to the police and is being investigated by the Fyrbodal police.
