Generali contents and personal liability insurance

Fire and natural events (excluding in cantons Vaud and Nidwalden)

The insurance also covers damage caused by scorching and by exposure to domestic fire or heat.

Water

Damage caused by water escaping from water beds and ornamental fountains is also insured.

Theft

The insurance covers burglaries and robberies as well as simple theft at home.

Optional add-ons

Simple theft away from home

• Theft outside the insured location

• Possible sums insured: CHF 2,000

Limitations of cover

• Expenses (changing locks, emergency replacement doors, hotel expenses, etc.): up to 20% of the agreed sum insured for household contents, minimum CHF 10,000. Simple theft: max. CHF 1,000

• Cash, credit cards etc. (excluding simple theft): max. CHF 5,000

• Jewellery/watches: 15% of the sum insured for household contents, max. CHF 35,000

• Damage caused by scorching and by exposure to domestic fire / heat: CHF 5,000

• Professional equipment: CHF 5,000

• Claim outside the home (in case of fire/water/theft): 15% of the sum insured, max. CHF 35,000

• Loss or damage to food in chest freezers / deep freezers caused by unforeseen and sudden events: unlimited up to the agreed sum insured

Excess

The excess is CHF 500.

Other points to note

• Period of insurance: 1 year

• Online discount: 15%

Fire and natural events (excluding in cantons Vaud and Nidwalden)

The insurance also covers damage caused by scorching and by exposure to “friendly fire” or heat.

Water

Damage caused by water escaping from water beds and ornamental fountains is also insured.

Theft

The insurance covers burglaries and robberies as well as simple theft from the home.

Optional supplementary cover

Simple theft away from home

• Theft outside the insured location

• Choice of sums insured: CHF 2,000, CHF 3,000, CHF 4,000

Luggage

• Covers luggage that belongs to household contents against damage, destruction and misplacement worldwide.

• Choice of sums insured: same sum as for simple theft away from home.

• Can only be taken out in combination with simple theft away from home.

Glass breakage

The insurance covers breakage of glass or glass substitutes for:

• Glazing in furniture: damage to ceramic hobs, glass hobs of induction cookers, stone tabletops, kitchen worktops made of stone, sanitary installations (washbasins, sinks, lavatories including cisterns, bidets, bathtubs and shower trays) made of glass, synthetic material, ceramic, porcelain or stone, including installation costs. Damage to enamel is also covered.

• Glazing in buildings, which also includes damage to domed rooflights and solar panels.

Household contents accidental damage insurance

• This insurance covers items for private use against sudden and unforeseen damage due to external factors. Examples: mobile phones, laptops/PCs/ tablets, sports equipment, valuables, musical instruments, jewellery, hearing aids etc.

• Choice of sums insured: CHF 2,000

Home Assistance

A comprehensive package of domestic assistance services, e.g. for repairs to electrical and heating installations or to pipes or door locks. Helpline for psychosocial support (e.g. following a burglary). Animal info line and Travel Care info line.

Limitations of cover

• Expenses (changing locks, emergency replacement doors, hotel expenses, etc.): up to 20% of the agreed sum insured for household contents, minimum CHF 10,000. Simple theft: max. CHF 1,000

• High-value contents (excluding simple theft): max. CHF 5,000

• Jewellery/watches: 15% of the sum insured for household contents, max. CHF 35,000

• Damage caused by scorching and by exposure to “friendly fire” / heat: CHF 5,000

• Professional equipment: CHF 5,000

• Claim outside the home (in case of fire/water/theft): 15% of the sum insured, max. CHF 35,000

• Simple theft away from home: max. 10% of the sum insured, max. CHF 10,000

• Loss or damage to food in chest freezers / deep freezers caused by unforeseen and sudden events: unlimited up to the agreed sum insured

Cover for children

Individual insurance: also covers minor children who are temporarily staying with the policyholder.
Family insurance: all persons with no restrictions and children up to the age of 25

Conditions applicable when driving other vehicles

Basic insurance: the insurance only covers claims made against the insured person as a passenger or person legally required to accompany a learner driver. What is covered:

• Loss of motor liability insurance bonus up to a maximum of double the annual premium

• Damage caused as a passenger to a third-party motor vehicle. If this is covered by an existing accidental damage insurance policy, any excess and any premium increase will be paid.

Supplementary insurance: the insurance covers claims as a driver of vehicles borrowed occasionally, i.e. not on a regular basis:

• Loss of motor liability insurance bonus up to a maximum of double the annual premium

• Collision damage to the actual vehicle used

• Excesses up to CHF 1,000 (excluded if the driver is not in possession of a permanent Swiss driving licence)

• If full casco insurance has been taken out, the excess and loss of bonus are insured in the event of collision damage to the vehicle used.

Sum insured

The sum insured is CHF 3 million

Excesses

Generally: CHF 500

Other points to note

• Self-employed part-time activities are only covered if the gross annual income does not exceed CHF 25,000.

• Period of insurance: 1 year

• Online discount: 15%

Conditions applying to residential property

• The policy covers liability as the owner of an owner-occupied property with a maximum of three apartments (in Switzerland and the Principality of Liechtenstein) or landlord of a maximum of three rooms or two apartments in a house and a single-family holiday home.

• Tenant or owner of a single-family holiday home or a holiday apartment or a non-registered caravan with a permanent pitch.

• In the case of condominium owners, the part exceeding the amount guaranteed by the third party liability insurance taken out by the association of condominium owners is insured.

• Principal's liability insurance for conversion work up to CHF 100,000.

Cover for children

Individual insurance: also covers minor children who are temporarily staying with the policyholder.
Family insurance: all persons with no restrictions and children up to the age of 25.

Optional supplementary cover

Conditions applying to third-party vehicles

Basic insurance: the insurance only covers claims made against the insured person as a passenger or person legally required to accompany a learner driver. What is covered:

• Loss of motor liability insurance bonus up to a maximum of double the annual premium

• Damage caused as a passenger to a third-party motor vehicle. If this is covered by an existing accidental damage insurance policy, any deductible and any premium increase will be paid.

Supplementary insurance: the insurance covers claims as a driver of vehicles borrowed occasionally, i.e. not on a regular basis:

• Loss of motor liability insurance bonus up to a maximum of double the annual premium

• Collision damage to the actual vehicle used

• Deductibles up to CHF 1,000 (excluding deductibles if the driver is not in possession of a permanent Swiss driving licence)

• If full casco insurance has been taken out, the deductible and loss of bonus are insured in the event of collision damage to the vehicle used.

Gross negligence

In the event of gross negligence on the part of the insured person, the insurance company may reduce the payout. This additional cover protects the policyholder against such a reduction.

Sum insured

The sum insured is CHF 5 million or CHF 10 million

Deductibles

• Generally: CHF 200

• Damage to third-party motor vehicles (basic cover): CHF 500

Other points to note

• Self-employed part-time activities are covered if the gross annual income does not exceed CHF 25,000.

• Period of insurance: 5 years

• Online discount: 15%

• Annual right to cancel

• Special offer: “Personal liability free for the first year”. Valid only for the period: 17 September 2020 to 31 March 2021.
  Valid for new contents insurance customers taking out both contents and personal liability insurance for a period of 5 years. The insurance policy may be cancelled annually. The first annual premium for personal liability insurance is waived; the standard payment is required from the second year onwards. The offer is valid for policies taken out up to and including 31 March 2021.

Conditions applying to residential property

• The policy covers liability as the owner of an owner-occupied property with a maximum of three apartments (in Switzerland and the Principality of Liechtenstein) or landlord of a maximum of three rooms or two apartments in a house and a single-family holiday home.

• Tenant or owner of a single-family holiday home or a holiday apartment or a non-registered caravan with a permanent pitch.

• In the case of condominium owners, the part exceeding the amount guaranteed by the third party liability insurance taken out by the association of condominium owners is insured.

• Principal's liability insurance for conversion work up to CHF 100,000

• Legal protection for home owners under criminal law