Generali – Contents and personal liability insurance

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

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

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

Automatically included in household contents insurance. 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.

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

The deductible is CHF 500.

• Period of insurance: 5 years
• Loyalty discount: 9% of the premium
• Online discount: 15%
• Annual entitlement to cancellation
• 4 months for free on the first annual premium

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

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

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

Automatically included in household contents insurance. 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.

Simple theft outside the home is insured up to 10% of the insured sum of the entire household contents, up to a maximum of CHF 10,000.

This insurance covers items for private use against sudden and unforeseen damage due to external factors. Examples: mobile phones, laptops/PCs/tablets, electrical household appliances, lawn mowers, sports equipment, parachutes, sporting and hunting weapons including accessories, musical instruments, jewellery, hearing aids, etc.

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.

Worldwide cover, insuring all risks, such as damage, destruction or misplacement, up to the agreed sum insured.

Help over the phone with any questions you have about hardware, software and the Internet. Examples: setting up online data backup, restoring data or configuring your computer.

• Costs (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
• Monetary assets (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 outside the 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

The deductible is CHF 200.

• Period of insurance: 5 years
• Loyalty discount: 9% of the premium
• Online discount: 15%
• Annual entitlement to cancellation
• 4 months for free on the first annual premium

Cover for children

Individual insurance: also covers minor children who are temporarily staying with the policyholder.
Family insurance: all persons and children up to the age of 25 residing in the same household.

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. 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 additional premium due will be paid
Sum insured

The sum insured is CHF 3 million.

Deductibles

General: CHF 500

Other points to note
• Self-employed part-time activities are only insured if the annual gross income does not exceed CHF 25,000.
• Loyalty discount: 9% of the premium
• Online discount: 15%
• Annual entitlement to cancellation
• 4 months for free on the first annual premium
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.
• Builder’s liability insurance for conversion work costing up to CHF 100,000.
• Legal protection for home owners under criminal law

Cover for children

Individual insurance: also covers minor children who are temporarily staying with the policyholder.
Family insurance: all persons and children up to the age of 25 residing in the same household.

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. 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 additional premium due 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 comprehensive accidental damage 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 benefits. This additional cover protects the policyholder against a reduction.

Sum insured

The sum insured is CHF 5 million or CHF 10 million.

Deductibles
• General: CHF 200
• Damage to third-party motor vehicles (basic cover): CHF 500
Other points to note
• Self-employed part-time activities are only insured if the annual gross income does not exceed CHF 25,000.
• Loyalty discount: 9% of the premium
• Online discount: 15%
• Annual entitlement to cancellation
• 4 months for free on the first annual premium
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.
• Builder’s liability insurance for conversion work costing up to CHF 100,000.
• Legal protection for home owners under criminal law