There are 10 covered causes of loss in the crime policy. Some policies only cover one, while others cover more than one. They are: employee dishonesty, forgery and alteration, robbery, burglary, safe burglary, theft, disappearance, destruction, computer fraud and extortion.
Actually Belgium is a pretty safe country where most of the crime takes place at enormously high levels and involves horrifyingly large scale corruption and swindling, all of which leaves the citizens on the street less well-off but otherwise fairly unharmed. Strangely however the following is not a crime: the process of taking into one's possession a bicycle that is actually owned by a known or unknown person other than oneself.