Generali – Contents and personal liability insurance

Cover also includes damage arising from the exposure of the insured objects to heat or fire serving a useful purpose. Damage caused by meteorites or other celestial objects, or aircraft or spacecraft (or parts thereof) falling from the sky or making a forced landing is also covered. Damage due to scorching is covered up to CHF 5,000.

Burglary, robbery and simple theft at home is covered. If listed in the policy, simple theft away from home is also covered up to 10% of the sum insured for the entire home contents, up to a maximum of CHF 10,000.

Damage caused by water leaking from water beds and ornamental fountains is also covered.

The insurance covers breakage of glass or glass-like substitutes of the following types:

• Glazing in furniture; this includes 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 insured.
• Glazing on buildings; this includes damage to domed roof-lights and solar panels.

• Cover of costs (changing door locks, emergency exits, hotel bills, etc.): up to 20% of the sum insured for home contents, minimum CHF 10,000 (maximum CHF 1,000 for simple theft)
• Cover for monetary assets (excluding simple theft): up to CHF 5,000
• Cover for jewellery and watches: 15% of the sum insured for home contents, max. CHF 35,000
• Cover for scorch damage: CHF 5,000.
• Cover for professional equipment: CHF 5,000
• Cover for damage to items exposed to heat or fire serving a useful purpose: CHF 5,000
• Cover in the event of a claim outside the home (fire, burglary, robbery and water damage): 15% of the sum insured, max. CHF 35,000
• Cover in the event of simple theft away from home: max. 10% of the sum insured up to a maximum of CHF 10,000
• Visitors’ personal belongings and items entrusted to the policyholder are not covered outside the home.
• Damage at home to food for private use stored in chest or upright freezers and that has become unfit for consumption due to defrosting as a result of an unforeseen event: unlimited up to the agreed sum insured

The deductible is CHF 500; in the case of glass breakage CHF 200.

• The duration of the contract is 5 years, with a loyalty discount of 9% applied to the premium.
• If the policy is taken out online, there is a premium reduction of 15%.
• Annual right to cancel
• 4 months free on the 1st annual premium
• Home Assistance: Automatically included in home contents insurance. Support for everyday tasks via a comprehensive package of domestic assistance services such as repairing electrical and heating systems, unblocking pipes and arranging a locksmith. Helpline for psychosocial support (e.g. following a burglary). Animal Info Line and Travel Care Info Line.

Cover also includes damage arising from the exposure of the insured objects to heat or fire serving a useful purpose. Damage caused by meteorites or other celestial objects, or aircraft or spacecraft (or parts thereof) falling from the sky or making a forced landing is also covered. Damage due to scorching is covered up to CHF 5,000.

Burglary, robbery and simple theft at home is covered. If listed in the policy, simple theft away from home is also covered up to 10% of the sum insured for the entire home contents, up to a maximum of CHF 10,000.

Damage caused by water leaking from water beds and ornamental fountains is also covered.

The insurance covers breakage of glass or glass-like substitutes of the following types:

• Glazing in furniture; this includes 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 insured.
• Glazing on buildings; this includes damage to domed roof-lights and solar panels.

• Cover of costs (changing door locks, emergency exits, hotel bills, etc.): up to 20% of the sum insured for home contents, minimum CHF 10,000 (maximum CHF 1,000 for simple theft)
• Cover for monetary assets (excluding simple theft): up to CHF 5,000
• Cover for jewellery and watches: 15% of the sum insured for home contents, max. CHF 35,000
• Cover for scorch damage: CHF 5,000
• Cover for professional equipment: CHF 5,000
• Cover for damage to items exposed to heat or fire serving a useful purpose: CHF 5,000
• Cover in the event of a claim outside the home (fire, burglary, robbery and water damage): 15% of the sum insured, max. CHF 35,000
• Cover in the event of simple theft away from home: max. 10% of the sum insured up to a maximum of CHF 10,000
• Visitors’ personal belongings and items entrusted to the policyholder are not covered outside the home.
• Damage at home to food for private use stored in chest or upright freezers and that has become unfit for consumption due to defrosting as a result of an unforeseen event: unlimited up to the agreed sum insured

The deductible is CHF 200.

• The duration of the contract is 5 years, with a loyalty discount of 9% applied to the premium.
• If the policy is taken out online, there is a premium reduction of 15%.
• Annual right to cancel
• 4 months free on the 1st annual premium
• Home Assistance: Automatically included in home contents insurance. Support for everyday tasks via a comprehensive package of domestic assistance services such as repairing electrical and heating systems, unblocking pipes and arranging a locksmith. Helpline for psychosocial support (e.g. following a burglary). Animal Info Line and Travel Care Info Line.
• IT Assistance: Automatically included in home contents insurance. E-mail and telephone support for all issues relating to hardware, software and the Internet. Services include help with online data backup, data recovery, configuring a computer and removing malware.

• Earthquake: Included in cover by special agreement. Earthquakes that occur in Switzerland and the Principality of Leichtenstein. Earthquakes are considered to be sudden tremors of solid ground due to natural causes with a subterranean epicentre.
• Luggage: Included in cover by special agreement. Global cover against all risks, such as damage, destruction or loss, up to the agreed sum insured.
• Accidental damage to home contents: Included in cover by special agreement. Cover includes damage resulting from external factors occurring suddenly and unexpectedly to electrical household appliances, tools for use in the household, lawn mowers, sports equipment, parachutes, hang-gliders, paragliders, sporting and hunting firearms (including accessories), musical instruments, hi-fi systems, home cinema systems, projectors, flat-screen monitors, computers (desktop), laptops, mobile phones, tablet computers, jewellery items, watches and clocks, fur goods, paintings, sculptures (indoors), optical glasses, hearing aids, wheelchairs with or without motor (incl. batteries).

Conditions applying to third-party vehicles

Basic insurance: The insurance only covers claims against the insured person as a passenger or a learner driver's legally required supervisor. Cover includes:


• Loss of vehicle liability insurance bonus up to a maximum of double the annual premium
• Damage to third-party vehicles caused by the insured as a passenger. If this damage is covered by an existing comprehensive insurance policy, any deductible and resulting premium increase is reimbursed.

Supplemental insurance: The insurance covers claims against the insured as the driver of occasionally, not regularly, hired vehicles:


• Loss of vehicle liability insurance bonus up to a maximum of double the annual premium
• Collision damage to the used vehicle itself
• Deductibles up to CHF 1,000 (deductibles are excluded if the vehicle driver is not in possession of a permanent Swiss driving licence)
• In the case of full casco insurance, the deductible cover and bonus loss cover are included in the event of collision damage to the used vehicle

Conditions applying to property
• The insurance covers the policyholder’s liability as an owner of a self-occupied property containing a maximum of three apartments (in Switzerland and the Principality of Liechtenstein), as a landlord of a maximum of three rooms or two apartments within a building and a single-family holiday home.
• Renters or owners of a single-family holiday home or a holiday apartment or an unregistered caravan in a permanent location.
• In the case of freehold apartments (condos), the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.
• Building contractor's liability for renovations up to a construction sum of CHF 100,000
• Legal protection in the area of criminal law for home owners

Cover for children
• Individual insurance also includes minor children staying with the policyholder on a temporary basis.
• In the case of family insurance, all persons living in the same household are covered: Married couples, co-habiting partners, minor children, children of full age, siblings, parents. Cover also includes children living outside the household who are not gainfully employed (including stepchildren and foster children up to 25 years of age (also students/trainees with additional income)) If children of full age leave the policyholder's household, they will continue to be covered for 6 months.

Deductibles
• Damage to property in care and other property damage: CHF 500
• Damage caused by tenants: CHF 500
• Damage to third-party motor vehicles: CHF 500

Specifics
• Cover only includes self-employed secondary gainful activities if the gross annual income does not exceed CHF 25,000.
• If the policy is taken out online, there is a premium reduction of 15%.
• Annual right to cancel
• 4 months free on the 1st annual premium

Conditions applying to third-party vehicles

Basic insurance: The insurance only covers claims against the insured person as a passenger or a learner driver's legally required supervisor. Cover includes:


• Loss of vehicle liability insurance bonus up to a maximum of double the annual premium
• Damage to third-party vehicles caused by the insured as a passenger. If this damage is covered by an existing comprehensive insurance policy, any deductible and resulting premium increase is reimbursed.

Supplemental insurance: The insurance covers claims against the insured as the driver of occasionally, not regularly, hired vehicles:


• Loss of vehicle liability insurance bonus up to a maximum of double the annual premium
• Collision damage to the used vehicle itself
• Deductibles up to CHF 1,000 (deductibles are excluded if the vehicle driver is not in possession of a permanent Swiss driving licence)
• In the case of full casco insurance, the deductible cover and bonus loss cover are included in the event of collision damage to the used vehicle

Conditions applying to property
• The insurance covers the policyholder’s liability as an owner of a self-occupied property containing a maximum of three apartments (in Switzerland and the Principality of Liechtenstein), as a landlord of a maximum of three rooms or two apartments within a building and a single-family holiday home.
• Renters or owners of a single-family holiday home or a holiday apartment or an unregistered caravan in a permanent location.
• In the case of freehold apartments (condos), the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.
• Building contractor's liability for renovations up to a construction sum of CHF 100,000
• Legal protection in the area of criminal law for home owners

Cover for children
• Individual insurance also includes minor children staying with the policyholder on a temporary basis.
• In the case of family insurance, all persons living in the same household are covered: Married couples, co-habiting partners, minor children, children of full age, siblings, parents. Cover also includes children living outside the household who are not gainfully employed (including stepchildren and foster children up to 25 years of age (also students/trainees with additional income)) If children of full age leave the policyholder's household, they will continue to be covered for 6 months.

Deductibles
• Damage to property in care and other property damage: CHF 200
• Damage caused by tenants: CHF 200
• Damage to third-party motor vehicles: CHF 200

Specifics
• Cover only includes self-employed secondary gainful activities if the gross annual income does not exceed CHF 25,000.
• If the policy is taken out online, there is a premium reduction of 15%.
• Annual right to cancel
• 4 months free on the 1st annual premium

Additional supplementary cover
• Gross negligence: Included in cover if agreed. In the case of gross negligence on the part of the policyholder, the insurers are entitled to reduce benefits in accordance with Article 14 of the Swiss law governing insurance contracts (VVG). By taking out supplemental insurance, you can protect yourself against this clause and the insurers will not reduce the benefits accordingly.