Allianz Suisse – Contents and personal liability insurance
Below you can find information on the home contents and personal liability insurance offered by Allianz Suisse. It is divided into product characteristics, information about the insurance company and customer satisfaction.
Products from Allianz Suisse
-
tailored (Contents insurance)
Fire
Cover also includes:
- Loss or damage due to scorching, electrical damage, and loss or damage caused by meteorites and by crash or emergency landings of aircraft, spacecraft and satellites (or parts thereof)
Water
Cover also includes:
- Frost damage to water pipes that were installed by the tenant and to any connected installations inside the building
- Loss or damage caused by water or other liquids leaking from heating systems, tank systems, fish tanks, waterbeds etc.
- Backwater from the drainage system, groundwater and surface run-off
- Cost of water loss due to an insured event
Theft
Cover also includes:
- Loss or damage caused by robbery, burglary at home or away from home, and simple theft at home
- Loss or damage of household effects during a move, up to CHF 5,000
- Jewellery up to CHF 20,000
- Simple theft away from home: any amount up to CHF 2,000
Glass breakage
It is possible to include cover for breakage of glass or glass substitutes for:
- Furniture glass
- Glazing in buildings
- Wash basins, sinks, lavatories (including cisterns), bidets, urinals and partition walls
- Consequential and complementary damage arising from glass damage up to CHF 5,000
Limitations of cover
- Expenses (changing locks, emergency replacement doors, hotel expenses etc.): up to 10% of the sum insured for household contents (can be increased)
- High-value contents in the event of burglary and robbery: up to CHF 5,000 (sum insured can be increased depending on form of safekeeping)
- Jewellery: up to CHF 20,000 in case of simple theft and burglary (sum insured can be increased to CHF 70,000 depending on form of safekeeping)
- Simple theft away from home up to CHF 2,000 (sum insured can be increased to CHF 20,000)
- Damage caused by scorching and by exposure to “friendly fire” or heat: CHF 2,000 (can be increased to CHF 5,000)
- Electrical damage: CHF 2,000 (can be increased to CHF 5,000)
Deductibles
- The deductible is CHF 500 for natural hazard claims and CHF 200 for all other claims.
Other points to note
- Apart from items that are no longer in use, all household contents (including bicycles, e-bikes and skis) are insured at replacement value.
- Contents insurance includes a 24-hour emergency service (up to CHF 1,000), a blocking service for store cards, debit cards, credit cards, etc., plus compensation in the event of card fraud (up to CHF 5,000 per card and max. CHF 10,000 per event) and mobile phone misuse (up to CHF 300).
- The concept of underinsurance applies from a loss amount of 10% of the sum insured or starting from CHF 20,000.
Additional cover options
- Luggage (for trips of more than 8 hours outside the municipality of residence)
- Accidental damage cover for electronic devices and sports equipment in case of sudden and unexpected damage caused by external forces
- Data recovery on electronic devices (up to CHF 2,000)
-
skinny (Contents insurance)
Fire
Cover also includes:
- Loss or damage due to scorching, electrical damage, and loss or damage caused by meteorites and by crash or emergency landings of aircraft, spacecraft and satellites (or parts thereof)
Water
Cover also includes:
- Frost damage to water pipes that were installed by the tenant and to any connected installations inside the building
- Loss or damage caused by water or other liquids leaking from heating systems, tank systems, fish tanks, waterbeds etc.
- Backwater from the drainage system, groundwater and surface run-off
- Cost of water loss due to an insured event
Theft
Cover also includes:
- Loss or damage caused by robbery, burglary at home or away from home, and simple theft at home
- Loss or damage of household effects during a move, up to CHF 5,000
- Jewellery up to CHF 20,000
Limitations of cover
- Expenses (changing locks, emergency replacement doors, hotel expenses etc.): up to 10% of the sum insured for household contents (can be increased)
- High-value contents in the event of burglary and robbery: up to CHF 5,000 (sum insured can be increased depending on form of safekeeping)
- Jewellery: up to CHF 20,000 in case of simple theft and burglary (sum insured can be increased to CHF 70,000 depending on form of safekeeping)
- Damage caused by scorching and by exposure to “friendly fire” or heat: CHF 2,000 (can be increased to CHF 5,000)
- Electrical damage: CHF 2,000 (can be increased to CHF 5,000)
Deductibles
- The deductible is CHF 500 for natural hazard claims and CHF 500 for all other claims.
Other points to note
- Apart from items that are no longer in use, all household contents (including bicycles, e-bikes and skis) are insured at replacement value.
- Contents insurance includes a 24-hour emergency service (up to CHF 1,000), a blocking service for store cards, debit cards, credit cards, etc., plus compensation in the event of card fraud (up to CHF 5,000 per card and max. CHF 10,000 per event) and mobile phone misuse (up to CHF 300).
- The concept of underinsurance applies from a loss amount of 10% of the sum insured or starting from CHF 20,000.
Additional cover options
- Luggage (for trips of more than 8 hours outside the municipality of residence)
- Accidental damage cover for electronic devices and sports equipment in case of sudden and unexpected damage caused by external forces
- Data recovery on electronic devices (up to CHF 2,000)
-
tailored (Personal liability insurance)
-
Conditions applying to third-party vehicles
- Damage caused by the occasional, not regular, use of third-party vehicles
- Loss of bonus in liability insurance
- Increase in the liability sum insured for hire cars in other European countries
- For damage caused by the vehicle driven: deductible as selected
- Damage to third-party vehicles used occasionally, not regularly
- If full casco insurance has been taken out, the deductible and loss of bonus are also insured
- For damage to the vehicle driven: deductible is 10%, min. CHF 500 and max. CHF 5,000.
- The insurance covers the policyholder's liability as an owner of a self-occupied, exclusively residential single-family or multi-family property containing up to three apartments, a condominium, a single-family holiday home and/or a mobile home with a permanent pitch
- Undeveloped land is also insured
- Liability as a self-renovator (up to a total construction cost of CHF 100,000)
- Environmental impairment liability
- Tenancy claims, damage to property in care, and other property damage: CHF 200 per event or at handover of apartment (deductible from CHF 0 to CHF 5,000 possible)
- Damage caused by children and other household members lacking mental capacity (excluding legal liability): CHF 200,000
- Damage caused by animals (excluding legal liability): CHF 2,000
- Property damage caused during sports activities and games (excluding legal liability): CHF 2,000
- Self-employed part-time activities are covered if the gross annual income does not exceed CHF 10,000
- Multi-person insurance covers all persons living in the same household as the policyholder.
- Children are covered by multi-person insurance provided that they live in the same household as the policyholder, are unmarried and are not in gainful employment.
- The use of vessels and aircraft without statutory obligation to insure against liability is covered.
- Hole-in-one insurance for golfers
- Use of model aircraft with obligation to insure against liability, go-karts and pocket bikes, kite surfing and kite boarding equipment
- Lost business keys (max. CHF 10,000)
- Waiver of the reduction in benefits in the event of gross negligence
- Liability for those for whom teaching is the primary occupation
- Damage to leased/borrowed horses
Basic insurance covers:
Supplemental insurance covers:
Conditions applying to residential property
Cover for children
See “Other points to note”
Deductibles
Limitations of cover
Other points to note
Additional cover options -
skinny (Personal liability insurance)
-
Conditions applying to third-party vehicles
- Damage caused by the occasional, not regular, use of third-party vehicles
- Loss of bonus in liability insurance
- Increase in the liability sum insured for hire cars in other European countries
- For damage caused by the vehicle driven: deductible CHF 500
- The insurance covers the policyholder's liability as an owner of a self-occupied, exclusively residential single-family or multi-family property containing up to three apartments, a condominium, a single-family holiday home and/or a mobile home with a permanent pitch
- Undeveloped land is also insured
- Liability as a self-renovator (up to a total construction cost of CHF 100,000)
- Environmental impairment liability
- Tenancy claims, damage to property in care, and other property damage: CHF 500 per event or at handover of apartment (deductible from CHF 0 to CHF 5,000 possible)
- Damage caused by children and other household members lacking mental capacity (excluding legal liability): CHF 200,000
- Damage caused by animals (excluding legal liability): CHF 2,000
- Property damage caused during sports activities and games (excluding legal liability): CHF 2,000
- Self-employed part-time activities are covered if the gross annual income does not exceed CHF 10,000
- Multi-person insurance covers all persons living in the same household as the policyholder.
- Children are covered by multi-person insurance provided that they live in the same household as the policyholder, are unmarried and are not in gainful employment.
- The use of vessels and aircraft without statutory obligation to insure against liability is covered.
- Hole-in-one insurance for golfers
- Use of model aircraft with obligation to insure against liability, go-karts and pocket bikes, kite surfing and kite boarding equipment
- Lost business keys (max. CHF 10,000)
- Waiver of the reduction in benefits in the event of gross negligence
- Liability for those for whom teaching is the primary occupation
- Damage to leased/borrowed horses
Basic insurance covers:
Conditions applying to residential property
Cover for children
See “Other points to note”
Deductibles
Limitations of cover
Other points to note
Additional cover options
Customer satisfaction with Allianz Suisse
5.4
Competence and commitment of employees
5.2
Comprehensibility and clarity of customer information
5.4
Insurer's availability
4.9
Satisfaction with amount of premium
5.5
Handling of claims
5.2
Overall rating
Information about the insurance company
Insurer
Allianz Suisse Versicherungs-Gesellschaft AG
Head office
Zurich