In insurance, the word “robbery” refers to theft by means of violence or the threat of violence. “Simple theft” is the term used for a theft which is carried out without the use of violence.

Example of a robbery: A criminal threatens a victim with a knife and demands that they hand over their wallet. Situations in which a victim is incapable of resisting theft due to being unconscious, injured, dead or otherwise incapacitated are also defined as robberies.

Swiss household insurance policies cover robbery as well as burglary and simple theft. A conning is not classified as a robbery, but as a simple theft, unless violence was used.

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Simple theft away from home
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