Fire

Cover also includes:

• loss or damage due to scorching or electrical damage as well as loss or damage caused by meteorites, a crash or forced landing of aircraft, spacecraft or satellite (or parts thereof)
• if required, loss or damage due to power outage

Water

Cover also includes:

• frost damage to water pipes inside the building installed by the tenant
• loss or damage caused by water or other liquids leaking from heating systems
• cost of water loss due to an insured event

Theft

Cover also includes:

• household effects damaged or lost during a move, max. CHF 5000
• jewellery up to CHF 20,000
• simple theft away from home up to CHF 2000

Glass breakage

Cover against damage or loss arising from breakage of glass or glass-like substitutes on:

• furniture glass
• building glass
• sinks, wash basins, toilets (including cisterns), bidets, urinals and partition walls
• up to CHF 5000 for consequential and complementary damage resulting from glass damage
• additional cover can be bought for shower trays and bath tubs, glass parts of solar panels and photovoltaic cells, façade and wall panels of glass on the outside of the building, and glass blocks

Extent of cover

• Compensation for expenses (changing door locks, emergency exits, hotel bills, etc.): up to 10% of contents insurance sum (can be increased on request)
• Compensation for monetary values in case of burglary or robbery: up to CHF 5000 (sum insured can be increased depending on form of safekeeping)
• Cover for jewellery: up to CHF 20,000 in case of simple theft and burglary (sum insured can be increased to CHF 70,000 max. depending form of safekeeping)
• Cover in case of simple theft away from home up to CHF 2000 (sum insured can be increased to CHF 20,000 max.)
• Cover against loss or damage due to scorching or caused by cooking or heating fire or other sources of heat: CHF 2000 (can be increased to CHF 5000 max.)
• Cover against electrical damage: CHF 2000 (can be increased to CHF 5000 max.)
• Cover against loss or damage due to a power outage, e.g. thawed frozen food: CHF 2000 (can be increased to CHF 5000 max.)

Deductibles

The deductible for natural hazard claims is CHF 500, for all other claims CHF 400.

Specifics

• Apart from items that are no longer in use, all household contents (including bicycles and skis) are insured at their original value.
• Contents insurance includes a 24-hour emergency service (up to CHF 1000), a blocking service for customer cards, bank cards, credit cards, etc., and compensation in the event of card fraud (up to CHF 5000 per card or max. CHF 10,000 per event) and mobile phone misuse (up to CHF 300).
• The concept of underinsurance applies from an amount of loss of 10% of the insured sum or starting from CHF 20,000.

Other optional covers

• Luggage (for trips of more than 8 hours outside the place of residence)
• Comprehensive cover for electronic devices and sports gear against unforeseen and sudden damage through external factors
• Data recovery on electronic devices (available for up to CHF 2000)

Conditions applying to third-party vehicles

Basic insurance covers:

• damage caused by or to third-party vehicles in case of occasional, not regular use
• in the case of damage to the vehicle used by the insured: deductible is 10%, min. CHF 500 and max. CHF 5000. In the case of full casco insurance, the deductible cover and bonus loss cover are included

Supplemental insurance covers:

• damage to third-party motor vehicles used by the insured, including car sharing; unlimited in case of occasional, not regular use
• in the case of damage to the vehicle used by the insured: deductible is CHF 500 and for drivers under age 25 CHF 1000. In the case of full casco insurance, the deductible cover and bonus loss cover are included

Conditions applying to real estate

• The insurance covers the policyholder’s liability as an owner of a self-occupied, predominantly residential single-family house, multi-family house containing up to three apartments, condominium, single-family holiday house and/or mobile home in a permanent location
• Undeveloped properties are likewise insured
• Liability as building contractor (up to a construction sum of CHF 100,000)
• Liability for environmental damage

Cover for children

cf. ‘Specifics’

Deductibles

• Tenancy claims, damage to property in care, and other property damage: CHF 400 per event or at hand-over of apartment (optional deductible of min. CHF 0 and max. CHF 5,000)

Extent of cover

• Damage caused by children or household members incapable of judgement (excluding legal liability) CHF 200,000
• Damage caused by animals (excluding legal liability) CHF 2000
• Property damage caused during sports activities and games (excluding legal liability) CHF 2000
• Coverage includes self-employed, secondary gainful activities, provided the gross annual income does not exceed CHF 10,000

Specifics

• The multiperson insurance covers all persons living in the same household as the policyholder.
• Children are covered under the multiperson insurance provided that they live in the same household as the policyholder, are unmarried and without a gainful activity.
• The use of vessels and aircraft without statutory obligation to insure against liability is covered.

Other optional covers

• ‘Hole-in-one’ for golfers
• Use of model aircraft with obligation to insure against liability, karts and pocket bikes, kite surfing and kite boarding equipment
• Lost business keys (max. CHF 10,000)
• Waiver of reduction of benefits in case of gross negligence
• Liability for teachers in primary occupation
• Damage or loss to leased / borrowed horses