baloisedirect.ch – Contents and personal liability insurance

Below you can find information on the home contents and personal liability insurance offered by baloisedirect.ch. It is divided into product characteristics, information about the insurance company, customer satisfaction and forum posts.


Products from baloisedirect.ch

  • contents insurance

    Fire
    Coverage also includes scorching as well as damage caused by the crash of an aircraft or spacecraft up to the total insurance sum.

    Water
    Coverage also includes damage caused by leaking from heating systems, heat recovery plants, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors or skylights.

    Limitation of benefits

    • Coverage of jewellery: up to CHF 10,000
    • Coverage of glass breakage (building and furnishing glass): up to CHF 5,000
    • Coverage of cash values: up to CHF 5,000
    • Coverage in case of simple theft away from home: up to CHF 5,000
    • Coverage for household items away from home against damage by fire, theft, water or natural hazards (excluding simple theft): up to CHF 10,000; CHF 2,000 for cash values; CHF 5,000 for general costs
    • The provider waives a reduction of benefits in case of underinsurance for claims up to CHF 5,000. No reductions for first risk protection
    • Coverage of expenses (emergency exits, hotel bills etc.): up to CHF 10,000
    • The above-mentioned amounts of coverage may be increased upon request

    Deductibles
    The deductible is CHF 200 or CHF 500 (always CHF 500 in case of natural hazards); no deductible applies for glass breakage.

    Specifics
    • Home contents cannot be separately insured online. Personal liability is automatically included in the policy.
    • All items are insured at their original value.
    • Coverage limits may be raised upon request.
    • Includes coverage of entrusted, leased and rented items and guests' belongings.

    Theft
    Coverage also includes pickpocketing and damage due to walk-in theft or vandalism during (attempted) theft.
    If simple theft away from home is insured, loss of or damage to baggage is included provided the items were in the custody of a transport or travel company or damaged in a car accident.

    Glass breakage
    Furniture glass:
    Coverage includes furniture glass as well as stone tabletops.

    Building glass:
    Coverage includes: breakage of glass belonging to buildings, ceramic hobs, solar panels, kitchen work benches of stone, dome lights and sanitary fittings made of glass, plastic, ceramic, porcelain or stone (sinks, wash basins, toilets, bidets, etc.), façade and wall panels of glass.

  • younGo (contents insurance)

    Fire
    Coverage also includes scorching as well as damage caused by the crash of an aircraft or spacecraft up to the total insurance sum.

    Water
    Coverage also includes damage caused by leaking from heating systems, heat recovery plants, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors or skylights.

    Limitation of benefits

    • Coverage of jewellery: up to CHF 10,000
    • Coverage of glass breakage (building and furnishing glass): up to CHF 5,000
    • Coverage of cash values: up to CHF 5,000
    • Coverage in case of simple theft away from home: up to CHF 5,000
    • Coverage for household items away from home against damage by fire, theft, water or natural hazards (excluding simple theft): up to CHF 10,000; CHF 2,000 for cash values; CHF 5,000 for general costs
    • The provider waives a reduction of benefits in case of underinsurance for claims up to CHF 5,000. No reductions for first risk protection
    • Coverage of expenses (emergency exits, hotel bills etc.): up to CHF 10,000
    • The above-mentioned amounts of coverage may be increased upon request

    Deductibles
    The deductible is CHF 200 or CHF 500 (always CHF 500 in case of natural hazards).

    Specifics
    • Home contents cannot be separately insured online. Personal liability is automatically included in the policy.
    • All items are insured at their original value.
    • Coverage limits may be raised upon request.
    • Includes coverage of entrusted, leased and rented items and guests' belongings.

    Theft
    Coverage also includes pickpocketing and damage due to walk-in theft or vandalism during (attempted) theft.
    If simple theft away from home is insured, loss of or damage to baggage is included provided the items were in the custody of a transport or travel company or damaged in a car accident.

    Glass breakage
    Furniture glass:
    Coverage includes furniture glass as well as stone tabletops.

    Building glass:
    Coverage includes: breakage of glass belonging to buildings, ceramic hobs, solar panels, kitchen work benches of stone, dome lights and sanitary fittings made of glass, plastic, ceramic, porcelain or stone (sinks, wash basins, toilets, bidets, etc.), façade and wall panels of glass.

  • personal liability insurance

      Conditions applying to third-party vehicles
      Basic insurance covers:
      • loss of liability insurance bonus.
      Supplemental insurance covers (in case of occasional, not regular use):
      if the vehicle in question has comprehensive coverage:
      • deductible of the comprehensive insurance
      • bonus loss of the comprehensive insurance
      if the vehicle in question has no comprehensive coverage:
      • cost of repair

      Conditions applying to real estate
      • Liability insurance for building owners can be bought as supplemental insurance for owner-occupied buildings (of up to 3 flats).
      • Liability claims resulting from your capacity as owner of a condominium are also covered, complementing any existing homeowners' liability insurance from the homeowners association.

      Coverage for children
      All persons living in the same household as the holder are included in family insurance.

      Deductibles
      • For damage caused by tenants: lump sum of CHF 200 when they move out
      • For damage occurring to items in care, custody or control: CHF 200 per incident
      • For all other material damage: CHF 200

      Limitation of benefits
      • Principal's liability is included up to a construction sum of CHF 100,000.

  • younGo (personal liability insurance)

      Conditions applying to third-party vehicles
      Basic insurance covers:
      • loss of liability insurance bonus.

      Deductibles
      • For damage caused by tenants: lump sum of CHF 200 when they move out
      • For damage occurring to items in care, custody or control: CHF 200 per incident
      • For all other material damage: CHF 200


Customer satisfaction with baloisedirect.ch

5.4 Competence and commitment of employees

5.1 Comprehensibility and clarity of customer information

5.3 Insurer's availability

4.8 Satisfaction with amount of premium

5.6 Handling of claims

5.2 Overall rating

Information about the insurance company

Insurer
Basler Versicherung AG
Head office
Basle

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