Helvetia contents and personal liability insurance

Basic protection
All of the personal items in your home are worth protecting. Contents insurance covers damage done to your belongings, such as:

• a fire breaking out in the flat;

• a broken pipe flooding your home;

• items getting stolen from your home;

• a natural event such a storm damaging your personal items.

Supplemental insurance
Home contents insurance also offers add-ons, for even more protection:

• All risks: covers your little darlings, such as your smartphone or laptop, against damage of any kind – for example, if your mobile phone screen shatters.

• Simple theft away from the home: has someone stolen your smartphone on the train? Don't worry, we'll cover the stolen items.

• Glass breakage: insures damages to furniture glass such as glass from display cases, mirror cabinets, glass tables and the like.

Good to know! Follow-up costs such as staying overnight in a hotel, or clean-up after a fire or water damage, for example, are also insured under basic protection.

Limitations of cover:

• Up to 20% of the sum insured under contents insurance in the event of jewellery theft.

• Cover for high-value contents: up to CHF 5,000. No cover is provided for simple theft.

• Cover for glass damage: up to CHF 5,000.

Other points to note:

This product is specifically for young people under the age of 27. They must switch to a different policy in their 30th year of life.

Fire
Cover generally also includes damage to home contents due to scorching caused by cooking or heating fire or other sources of heat. Damage caused by crash or emergency landings of an aircraft or spacecraft or parts thereof, or meteorites and other celestial bodies is also covered.

Water
Cover generally also includes damage caused by liquids and gas leaking from mobile installations such as ornamental fountains, fish tanks, waterbeds, pools and piping as well as connected installations and machines (except if caused by maintenance work or refilling), and frost damage to self-installed pipes. Water damage is excluded if windows, doors and similar were left open.

Extent of cover

• Maximum cover for high-value contents: 20% of the agreed sum insured (max. CHF 5,000). No cover is provided for simple theft.

• Maximum cover for guests’ belongings and entrusted household contents: 20% of the agreed sum insured (min. CHF 10,000).

• Maximum cover for costs (e.g. emergency doors, hotel expenses): 20% of the agreed sum insured (min. CHF 10,000).

Deductible
Generally CHF 200 (in case of natural hazards CHF 500).

Theft
Cover also includes vandalism occurring during burglaries or robberies, even if nothing is stolen.

Glass breakage
Damage to furniture glass, windows, washbasins etc. can be insured. Damage to building or contents resulting from broken glass from the insured glass objects is also covered. Damage occurring during installation or work on the glass objects, and damage and follow-up costs (adjusting tiles, fittings etc.) arising in connection with the repair and installation of bath tubs and shower trays is excluded.

Other points to note

• Bicycles, e-bikes, electronic devices, luggage and sports equipment can also be insured against unforeseen and sudden damage by taking out all-risks cover.

• Earthquakes: home contents can also be insured against the consequences of an earthquake.

• Pet insurance: medical care for pets and horses in the event of illness and accident can also be insured.

• Fire/water/glass: available with no deductible

• Simple theft away from home: double the sum insured possible for travelling

• Cyber damage (cybercrime, purchase protection, credit card misuse) insurable

• Mopeds and e-bikes with number plates insurable against damage and theft (casco)

• Illness and accident cover for dogs, cats and horses can be included.

Basic protection
Personal liability insurance is very important. Indeed, accidents can happen quickly, and the costs can skyrocket just as fast. This insurance will pay if you cause damage to other people or to their property. Here are some examples:

• You accidentally scratch the floor of your new rental apartment. We step into the breach and pay the repair costs.

• You hit someone while riding your bike, and this person is injured as a result. We pay the treatment costs.

• You spill wine on your friends' couch. We'll cover those costs.

Conditions applying to third-party vehicles
If you drive a third-party vehicle for a maximum of six days per year, you're already covered by basic insurance. This cover applies to motor vehicles with a gross weight of up to 3,500 kg. A deductible of CHF 500 applies.

Other points to note:
This product is specifically for young people under the age of 27. They must switch to a different policy in their 30th year of life.

Cover applies to cars, delivery vans, agricultural vehicles, trailers and other light motor vehicles and motorcycles.

Insured persons
In a multi-person household, all persons permanently resident in the same household as the insured person are insured. Underage children and children still in education/training are insured even if they live elsewhere.

Conditions applying to residential property

• Insured liability is limited to one owner-occupied property containing no more than 3 apartments, one holiday home and one unregistered mobile home in a permanent location.

• Liability claims resulting from condominium ownership are also covered as a complement to the homeowner association's existing property liability insurance.

• Liability cover for builder-owners is included for renovations up to a sum of CHF 200,000.

Cover for children
Cover generally provided for damage caused by children and other household members who are under age, have been declared incompetent or lack mental capacity, including children being looked after (free of charge), and including those who are only staying temporarily with the insured person.

Deductibles

• Damage to third-party motor vehicles: CHF 500

• Insurance can be taken out without a general deductible.

Extent of cover

• Damage arising from a secondary occupation is covered if the revenue is less than CHF 40,000 per year.

• Damage caused by sportsmen and sportswomen during the sporting activity is also covered (excluding legal liability) up to CHF 500.

• Damage to property caused by pets is also covered (excluding legal liability) up to CHF 500.

Other points to note

• Cover includes occasional use (max. 6 days) of third-party motor vehicles. Unlimited use of third-party motor vehicles can also be insured, including cover for damage to rented motor vehicles and vehicles used in the context of car sharing.

• Also insurable are liability claims arising in the context of the insured person’s activity as: teacher, trainer, ski instructor and mountain guide, including search, rescue and recovery costs for participants and students

• Cover is also available for hunters and renters of horses owned by third parties.