Migros Versicherungen contents and personal liability insurance
Products from Migros Versicherungen
Insured items
The insurance covers the household contents of the policyholder and of all persons included in the policy. This includes all movable property within the home that is privately used. Examples of this would be furniture, clothes, sports equipment, consumer electronics, personal money and credit cards, and jewellery. Household contents also include leased, rented and entrusted items as well as pets.
Insured damage and costs
Migros Insurances provide compensation for destruction, damage and loss of the entire contents of the household due to:
Fire. Example: your Christmas tree catches fire and destroys your furniture.
Natural hazards (i.e. damage caused by natural disasters). Example: an unanticipated storm damages your outdoor furniture.
Water. Example: water from a burst water pipe unexpectedly floods your home.
Breakage of furniture glass. Example: a glass tabletop gets smashed.
Burglary and robbery. Example: burglars force your door open and steal your TV.
Simple theft at home. Example: thieves enter through an open window and steal valuables from your home.
Simple theft while you are away from home (optional cover). Example: thieves steal an insured person's bag in a restaurant.
In addition, the insurance covers the costs necessarily incurred as a result of an insured event, such as:
Additional cost-of-living expenses
Clearing away and disposing of debris
Emergency glazing, emergency replacement doors and emergency locks
Replacement of documents
Blocking, unblocking and/or reissuing credit and debit cards
Sum insured
The sums insured can be freely chosen. The sums insured are listed in the quote and in the policy.
Deductibles
The deductible for natural hazard damage is CHF 500. For all other damage, the deductible agreed in the application process applies.
Optional add-ons
Additional risks can also be insured by means of various casco insurance products. For example, a casco insurance product also provides compensation if the insured person damages equipment in an accident (e.g. by dropping it) or if the insured person loses the equipment:
Insurance for sports equipment in the event of damage caused by the insured person (casco), theft away from home, and loss (optional cover). Example: your skis are stolen.
Insurance for electrical equipment in case of damage caused by the insured person (casco), theft away from home, and loss (optional cover). Example: your laptop falls on the ground.
Other points to note
For every franc of premium paid, the policyholder receives one Cumulus point.
In years in which no claims are made, the policyholder receives additional Cumulus points as a bonus.
Damage caused by gross negligence is included in the insurance cover of all products.
Breakage of furniture glass is included in the basic product.
No automatic increase in your premium after a claim is made.
Underinsurance is not claimed in case of partial damage if the calculation tool was used in the application process or if the partial damage is less than CHF 20,000.
The contracts each have a term of one year (tacit renewal) and can be terminated on a monthly basis.
Insured benefits
Insurance cover is provided for financial consequences resulting from legal liability claims for the following:
Personal injury, i.e. death, injury or other impairment of health inflicted on third parties
Property damage, i.e. destruction, damage or loss of property belonging to third parties
Injury to animals, i.e. death, injury or loss of animals belonging to third parties or impairment of the health of such animals
Financial loss due to insured damage/injury to persons, property or animals
In the event of an insured claim, Migros Insurances will provide compensation for justified claims and the defence of unjustified claims (“passive legal protection”).
Sum insured
The amount of the sum insured is CHF 10 million.
Deductibles
The deductible agreed in the application process applies to all liability claims.
Optional add-ons
The following risks can also be insured:
Accidental damage to used or borrowed motor vehicles or the deductible and any loss of bonus of the vehicle keeper's casco insurance policy. Example: a car that is borrowed from a friend is damaged in an accident caused by an insured person. Since this friend does not have full casco insurance for their car, the damage is covered by the insurance company.
Key loss and lock change costs. Example: you lose the key to your house or office.
Other points to note
Extra insurance cover up to CHF 10 million
For every franc of premium paid, the policyholder receives one Cumulus point.
In years in which no claims are made, the policyholder receives additional Cumulus points as a bonus.
Damage caused by gross negligence is included in the insurance cover of all products.
No automatic increase in your premium after a claim is made.
The contracts each have a term of one year (tacit renewal) and can be terminated on a monthly basis.
Information about Migros Versicherungen insurance company
| Insurance carrier | Vaudoise General, Insurance Company Ltd |
| Head office | Lausanne |