Smile contents and personal liability insurance

Fire and natural hazards
Includes additional cover against damage to home contents caused by scorching or exposure to cooking or heating fire or other sources of heat. Damage caused by aircraft or spacecraft crash landings, meteorites and extinguishing agents is also covered.

Water
Cover also includes frost damage to pipes installed by the policyholder as a tenant.

Theft
Theft by opening a lock using the right key or code or magnetic cards and similar is considered equivalent to burglary if the perpetrator obtained them by means of burglary, robbery or simple theft. Vandalism by third parties inside the home is also covered without theft, if the perpetrator gained unauthorized access to the building. Optional cover is available for simple theft away from home including pickpocketing and theft by trickery.

Glass breakage
Cover for glass breakage is generally unlimited (up to the home contents sum insured).

• Furniture glass: cover includes damage to furniture glass (glass and glass-like synthetic materials) including artificial or natural stone table tops.

• Building glass: cover includes building glass and ceramic hobs, as well as stone coverings in the kitchen and bathroom.

• Washbasins: cover includes washbasins, sinks, lavatories and bidets, including installation costs.

• Insulated glass is also covered under building glass.

Home contents accidental damage (add-on)
Covers damage to or destruction of the entire home contents including mobile phones (with some exclusions) caused by a sudden, unexpected and violent external force. Electrical items are also covered against damage caused by electrical currents, liquids and moisture.

Luggage and rental cars (add-on)
Luggage: damage to, loss of or delayed arrival of luggage caused by the company responsible for transportation.
Rental cars: no deductible for a vehicle hired by the policyholder if you cause damage to the vehicle or if the vehicle is stolen.

Limitations of cover

• Maximum cover for jewellery in the case of loss due to simple theft at home and in the case of burglary if the jewellery was not stored in a safe: up to 20% of the home contents sum insured, but a maximum 30,000 francs

• Maximum cover for high-value contents: 5,000 francs (excluding simple theft)

• Maximum cover for home contents away from home (excluding simple theft): up to 20% of the home contents sum insured, but a maximum of 30,000 francs – sums insured for simple theft according to the policy

• Maximum cover for scorching or damage to home contents caused by accidental exposure to cooking or heating fire: 5,000 francs

• Waiver of underinsurance for partial loss or damage

• Maximum cover for expenses (e.g. emergency doors, hotel expenses, removal costs): up to 20% of the home contents sum insured, but a maximum of 10,000 francs

• Maximum cover for third-party property (guests' belongings, entrusted movable items, work clothing and professional equipment): 10,000 francs

• Spoiled frozen goods are insured for up to 2,000 francs.

Deductibles
For natural hazards: 500 francs. For theft: either 200 or 1,000 francs. For accidental damage to contents: 200 francs. For all other claims, the deductible agreed in the policy applies (CHF 0 to CHF 1,000).

Other points to note

• No premium increase following a claim

• Waiver of underinsurance for partial loss or damage

• No sum insured limit for glass damage (up to the home contents sum insured)

• Home contents is also insured outside the home in hobby rooms, garages and similar if located in the same political municipality.

• All policies are for 1 year with a 1-month notice period.

• Damage to mobile phones (including screen damage) is included in accidental damage cover.

Fire and natural hazards
Includes additional cover against damage to home contents caused by scorching or exposure to cooking or heating fire or other sources of heat. Damage caused by aircraft or spacecraft crash landings, meteorites and extinguishing agents is also covered.

Water
Cover also includes frost damage to pipes installed by the policyholder as a tenant.

Theft
Theft by opening a lock using the right key or code or magnetic cards and similar is considered equivalent to burglary if the perpetrator obtained them by means of burglary, robbery or simple theft. Vandalism by third parties inside the home is also covered without theft, if the perpetrator gained unauthorized access to the building. Optional cover is available for simple theft away from home including pickpocketing and theft by trickery.

Glass breakage
Cover for glass breakage is generally unlimited (up to the home contents sum insured).

• Furniture glass: cover includes damage to furniture glass (glass and glass-like synthetic materials) including artificial or natural stone table tops.

• Building glass: cover includes building glass and ceramic hobs, as well as stone coverings in the kitchen and bathroom.

• Washbasins: cover includes washbasins, sinks, lavatories and bidets, including installation costs.

• Insulated glass is also covered under building glass.

Home contents accidental damage (add-on)
Covers damage to or destruction of the entire home contents including mobile phones (with some exclusions) caused by a sudden, unexpected and violent external force. Electrical items are also covered against damage caused by electrical currents, liquids and moisture.

Luggage and rental cars (add-on)
Luggage: damage to, loss of or delayed arrival of luggage caused by the company responsible for transportation.
Rental cars: no deductible for a vehicle hired by the policyholder if you cause damage to the vehicle or if the vehicle is stolen.

Limitations of cover

• Maximum cover for jewellery in the case of loss due to simple theft at home and in the case of burglary if the jewellery was not stored in a safe: up to 20% of the home contents sum insured, but a maximum 30,000 francs

• Maximum cover for high-value contents: 5,000 francs (excluding simple theft)

• Maximum cover for home contents away from home (excluding simple theft): up to 20% of the home contents sum insured, but a maximum of 30,000 francs – sums insured for simple theft according to the policy

• Maximum cover for scorching or damage to home contents caused by accidental exposure to cooking or heating fire: 5,000 francs

• Waiver of underinsurance for partial loss or damage

• Maximum cover for expenses (e.g. emergency doors, hotel expenses, removal costs): up to 20% of the home contents sum insured, but a maximum of 10,000 francs

• Maximum cover for third-party property (guests' belongings, entrusted movable items, work clothing and professional equipment): 10,000 francs

• Spoiled frozen goods are insured for up to 2,000 francs.

Deductibles
For natural hazards: 500 francs. For theft: either 200 or 1,000 francs. For accidental damage to contents: 200 francs. For all other claims, the deductible agreed in the policy applies (CHF 0 to CHF 1,000).

Other points to note

• No premium increase following a claim

• Waiver of underinsurance for partial loss or damage

• No sum insured limit for glass damage (up to the home contents sum insured)

• Home contents is also insured outside the home in hobby rooms, garages and similar if located in the same political municipality.

• All policies are for 1 year with a 1-month notice period.

• Damage to mobile phones (including screen damage) is included in accidental damage cover.

Conditions applying to third-party vehicles

Basic insurance cover

• Loss of bonus and any deductible for liability insurance for motor vehicles up to a total weight of 3500 kg registered in Switzerland and for trailers.

Add-on insurance cover
When the vehicle in question has full casco insurance:

• Deductible for full casco insurance

• Loss of bonus for full casco insurance

When the vehicle in question does not have full casco insurance:

• Repair costs

• Cost of towing to the next garage

• Storage fees up to 500 francs

• Any customs fees or return transportation from abroad up to 1,000 francs, if the vehicle cannot be repaired within 5 days

• Deductible: 500 francs

Conditions applying to property

• Liability claims resulting from the ownership of self-occupied buildings with no commercial premises containing a maximum of 3 apartments (including holiday homes, mobile homes and non-registered caravans with a permanent pitch) are also covered.

• Liability claims resulting from condominium ownership are also covered as a supplement to the homeowner association's existing property liability insurance.

• Owners, renters and leaseholders of undeveloped land as well as self-renovators are covered for a total construction cost of up to 100,000 francs.

• Damage caused by tank systems is also insured.

Cover for children
Children (including adopted children, step-children, grandchildren and foster children) are covered by family insurance provided they live in the same household or return there regularly as a weekly resident.

Deductibles

• Tenant damage: flat rate of 200 francs per claim

• Property in care, custody or control: 200 francs per claim

• Damage to third-party motor vehicles: 500 francs

• Damage to leased horses: 500 francs

• For all other material damage, the deductible stated in the policy applies (CHF 0 to 500).

Limitations of cover

• Material damage caused by sportsmen and sportswomen during the sporting activity is covered up to 2,000 francs.

Other points to note

• Family insurance covers all persons registered at the same address, provided they live in the same household as the policyholder or return there regularly as a weekly resident.

• Self-employed persons (gross annual income of up to 24,000 francs) are automatically covered for the purposes of carrying out their professional activity.

• Tenant damage also covers damage in hotel rooms, holiday homes and similar.

• All policies are for 1 year with a 1-month notice period.

Conditions applying to third-party vehicles

Basic insurance cover

• Loss of bonus and any deductible for liability insurance for motor vehicles up to a total weight of 3500 kg registered in Switzerland and for trailers.

Add-on insurance cover
When the vehicle in question has full casco insurance:

• Deductible for full casco insurance

• Loss of bonus for full casco insurance

When the vehicle in question does not have full casco insurance:

• Repair costs

• Cost of towing to the next garage

• Storage fees up to 500 francs

• Any customs fees or return transportation from abroad up to 1,000 francs, if the vehicle cannot be repaired within 5 days

• Deductible: 500 francs

Conditions applying to property

• Liability claims resulting from the ownership of self-occupied buildings with no commercial premises containing a maximum of 3 apartments (including holiday homes, mobile homes and non-registered caravans with a permanent pitch) are also covered.

• Liability claims resulting from condominium ownership are also covered as a supplement to the homeowner association's existing property liability insurance.

• Owners, renters and leaseholders of undeveloped land as well as self-renovators are covered for a total construction cost of up to 100,000 francs.

• Damage caused by tank systems is also insured.

Cover for children
Children (including adopted children, step-children, grandchildren and foster children) are covered by family insurance provided they live in the same household or return there regularly as a weekly resident.

Deductibles

• Tenant damage: flat rate of 200 francs per claim

• Property in care, custody or control: 200 francs per claim

• Damage to third-party motor vehicles: 500 francs

• Damage to leased horses: 500 francs

• For all other material damage, the deductible stated in the policy applies (CHF 0 to 500).

Limitations of cover

• Material damage caused by sportsmen and sportswomen during the sporting activity is covered up to 2,000 francs.

Other points to note

• Family insurance covers all persons registered at the same address, provided they live in the same household as the policyholder or return there regularly as a weekly resident.

• Self-employed persons (gross annual income of up to 24,000 francs) are automatically covered for the purposes of carrying out their professional activity.

• Tenant damage also covers damage in hotel rooms, holiday homes and similar.

• All policies are for 1 year with a 1-month notice period.