Elvia by Allianz contents and personal liability insurance

Fire

• Loss or damage due to scorching or electrical damage as well as damage caused by meteorites, crashing and emergency landing of aircraft, spacecraft or satellites (or parts thereof)

Water

• Frost damage to water pipes installed by the tenant and to the connected facilities inside the building

• Damage caused by water or other liquids leaking from heating systems, tank systems, aquariums, waterbeds, etc.

• Backwater from wastewater drainage as well as groundwater and water running off slopes

• Cost of water loss due to an insured event

Theft:

• Robbery, burglary at home and away from home as well as simple theft at home

• Household effects damaged or lost during a move, max. 5,000 francs

• Jewellery up to 20,000 francs

• Simple theft away from home up to 5,000 francs optional

Glass breakage
Cover may include breakage damage of glass or glass substitutes for:

• Furniture glass

• Building glass

• Sinks, washbasins, toilets (including cisterns), bidets, urinals and partition walls

• Consequential and complementary damage from glass damage of up to 5,000 francs

Gross negligence included

Limitations of cover

• Cover for costs (changing locks, emergency doors, hotel expenses, etc.): up to 10% of the sum insured for home contents (can be increased further)

• Compensation for monetary values in case of burglary or robbery: up to 5,000 francs (sum insured can be increased depending on form of safekeeping)

• Cover for jewellery: up to 20,000 francs in case of simple theft and burglary

• Cover in case of simple theft away from home: up to 2,000 francs

• Cover against loss or damage due to scorching or caused by cooking or heating fire or other sources of heat: 2,000 francs

Deductibles

• The deductible is 500 francs for claims due to natural hazards and according to the selection for all other claims (min. 0 francs and max. 500 francs may be chosen as the deductible)

Other points to note

• Apart from items that are no longer in use, all home contents (including bicycles, e-bikes and skis) are insured at replacement value.

• Home contents insurance includes a 24-hour emergency service (up to max. 1,000 francs), a blocking service for customer cards, bank cards, credit cards, etc. and compensation in the event of card fraud (up to max. 5,000 francs per card, but max. 10,000 francs per claim event) and mobile phone misuse (up to max. 300 francs).

• Underinsurance applies from a loss amount of 10% of the sum insured or from 20,000 francs.

Fire

• Loss or damage due to scorching or electrical damage as well as damage caused by meteorites, crashing and emergency landing of aircraft, spacecraft or satellites (or parts thereof)

Water

• Frost damage to water pipes installed by the tenant and to the connected facilities inside the building

• Damage caused by water or other liquids leaking from heating systems, tank systems, aquariums, waterbeds, etc.

• Backwater from wastewater drainage as well as groundwater and water running off slopes

• Cost of water loss due to an insured event

Theft:

• Robbery, burglary at home and away from home as well as simple theft at home

• Household effects damaged or lost during a move, max. 5,000 francs

• Jewellery up to 20,000 francs

• Simple theft away from home up to 5,000 francs optional

Glass breakage
Cover may include breakage damage of glass or glass substitutes for:

• Furniture glass

• Building glass

• Sinks, washbasins, toilets (including cisterns), bidets, urinals and partition walls

• Consequential and complementary damage from glass damage of up to 5,000 francs

Limitations of cover

• Cover for costs (changing locks, emergency doors, hotel expenses, etc.): up to 10% of the sum insured for home contents (can be increased further)

• Compensation for monetary values in case of burglary or robbery: up to 5,000 francs (sum insured can be increased depending on form of safekeeping)

• Cover for jewellery: up to 20,000 francs in case of simple theft and burglary

• Cover in case of simple theft away from home: up to 2,000 francs

• Cover against loss or damage due to scorching or caused by cooking or heating fire or other sources of heat: 2,000 francs

• Gross negligence not included

Deductibles

• The deductible is 500 francs for claims due to natural hazards and according to the selection for all other claims (min. 0 francs and max. 500 francs may be chosen as the deductible)

Other points to note

• Apart from items that are no longer in use, all home contents (including bicycles, e-bikes and skis) are insured at replacement value.

• Home contents insurance includes a 24-hour emergency service (up to max. 1,000 francs), a blocking service for customer cards, bank cards, credit cards, etc. and compensation in the event of card fraud (up to max. 5,000 francs per card, but max. 10,000 francs per claim event) and mobile phone misuse (up to max. 300 francs).

• Underinsurance applies from a loss amount of 10% of the sum insured or from 20,000 francs.

Conditions applicable to driving other vehicles
Basic insurance covers:

• Damage caused by the occasional, non-regular use of third-party vehicles

• Loss of bonus in liability insurance is insured

• Increase in the liability sum insured for rental cars in other European countries

• For damage caused by the vehicle used: deductible as selected

Supplemental insurance cover:

• Damage to third-party vehicles used occasionally, not regularly

• In the case of full casco insurance, the deductible cover and bonus loss cover are included

• Damage to the vehicle used: The deductible is 10%, min. 500 francs and max. 5,000 francs

Conditions applicable to residential property

• The insurance covers the policyholder’s liability as an owner of a self-occupied, exclusively residential single-family house, multi-family house containing up to three apartments, condominium, single-family holiday home and/or mobile home in a permanent location

• Undeveloped properties are likewise insured

• Liability as a property developer (up to a construction sum of 100,000 francs)

• Third-party liability for environmental damage

Cover for children
See “Other points to note”

Gross negligence included

Deductibles

• Tenancy claims, damage to property in care and other property damage: 500 francs per claim event or upon handover of the apartment (min. 0 francs and max. 500 francs may be chosen as the deductible)

Limitations of cover

• Damage caused by children or household members incapable of judgement (without legal liability): 200,000 francs

• Damage caused by animals (without legal liability): 2,000 francs

• Property damage caused during sports activities and games (without legal liability): 2,000 francs

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed 10,000 francs

Conditions applicable to driving other vehicles
Basic insurance covers:

• Damage caused by the occasional, non-regular use of third-party vehicles

• Loss of bonus in liability insurance is insured

• Increase in the liability sum insured for rental cars in other European countries

• For damage caused by the vehicle used: deductible as selected

Supplemental insurance cover:

• Damage to third-party vehicles used occasionally, not regularly

• In the case of full casco insurance, the deductible cover and bonus loss cover are included

• Damage to the vehicle used: The deductible is 10%, min. 500 francs and max. 5,000 francs

Conditions applicable to residential property

• The insurance covers the policyholder’s liability as an owner of a self-occupied, exclusively residential single-family house, multi-family house containing up to three apartments, condominium, single-family holiday home and/or mobile home in a permanent location

• Undeveloped properties are likewise insured

• Liability as a property developer (up to a construction sum of 100,000 francs)

• Third-party liability for environmental damage

Cover for children
See “Other points to note”

Deductibles

• Tenancy claims, damage to property in care and other property damage: 500 francs per claim event or upon handover of the apartment (min. 0 francs and max. 500 francs may be chosen as the deductible)

Limitations of cover

• Damage caused by children or household members incapable of judgement (without legal liability): 200,000 francs

• Damage caused by animals (without legal liability): 2,000 francs

• Property damage caused during sports activities and games (without legal liability): 2,000 francs

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed 10,000 francs

• Gross negligence not included