Die Mobiliar contents and personal liability insurance

Fire
Includes additional cover against damage to home contents due to scorching caused by cooking or heating fire or other sources of heat; up to a maximum of CHF 5,000. Loss or damage caused by an aircraft or spacecraft crash is also included.

Theft
Burglary, robbery and simple theft at home. Any vehicle that was broken into or cases of pickpocketing and theft by trickery are considered simple theft away from home (optional cover for up to CHF 2,000).

Water
Cover includes damage to home contents caused by:

• Water leaking from pipes, installations and connected appliances that serve the building at the insured address.

• Water leaking from fish tanks, ornamental fountains, waterbeds and air humidifiers.

• Rain, snowmelt and glacial meltwater.

• Groundwater, surface runoff or backwater from the drainage system

Glass breakage
Breakage of glass panes, acrylic glass or glass-like materials cannot be insured.

Limitations of cover

• Cover for cash, credit cards etc. (excluding simple theft): up to CHF 1,000

• Cover for jewellery in case of simple theft at home and burglary: up to CHF 1,000

• Guests' belongings, entrusted movable items and entrusted pets: up to CHF 5,000

• Personal tools and items used for professional purposes: up to maximum annual sales of CHF 12,000

• Cover for expenses for changing locks, emergency repair of broken glass, emergency replacement doors, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 10% of the sum insured under contents insurance, at least CHF 5,000

• Cover excludes damage to frozen food due to accidental thawing of a freezer

• Skis and bicycles are not covered with simple theft away from home

• Damaged and lost luggage cannot be insured

• Waiver of the right to reduce benefits in the event of gross negligence cannot be insured

• Home contents casco insurance is not available

Deductible

• The deductible is generally CHF 400 and can be changed to CHF 200

• A statutory deductible of CHF 500 applies to damage caused by natural hazards

Other points to note

• All home contents are insured at their original value.

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Home contents insurance automatically includes a 24-hour emergency service, for example in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller cheques, cash, bank or Swiss Post cards and credit cards, for pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for customers of Mobiliar

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

Fire
Includes additional cover against damage to home contents due to fire caused by cooking, heating or other sources of heat; up to a maximum of CHF 5,000. Loss or damage caused by an aircraft or spacecraft crash is also included.

Theft
Burglary, robbery and simple theft at home. Any vehicle that was broken into or cases of pickpocketing and theft by trickery are considered simple theft away from home (optional cover for up to CHF 2,000).

Water
Cover includes damage to home contents caused by:

• Water leaking from pipes, installations and connected appliances that serve the building at the insured address.

• Water leaking from fish tanks, ornamental fountains, waterbeds and air humidifiers.

• Rain, snowmelt and glacial meltwater.

• Groundwater, surface runoff or backwater from the drainage system.

Glass breakage

• Furniture glass (optional lump-sum cover), broken glass panes on insured movable structures, and breakage of glass, acrylic glass or glass-like materials on movable property in inhabited living quarters

• Building glass (optional lump-sum cover), breakage of glass, acrylic glass or glass-like materials that are firmly attached to the building. This includes ceramic hobs, kitchen worktops, coverings in bathrooms and around fireplaces, sinks, wash basins, bath tubs, dome lights, glass parts of solar panels and photovoltaic systems etc.

• Consequential and complementary damage (glass) to household contents and, for building owners, to the insured building.

Limitations of cover

• Cover for cash, credit cards etc. (excluding simple theft): up to CHF 5,000

• Cover for jewellery in case of simple theft at home and burglary: up to CHF 30,000

• Guests' belongings, entrusted movable items and entrusted pets: up to CHF 20,000

• Personal tools and items used for professional purposes: up to maximum annual sales of CHF 20,000

• Cover for expenses for changing locks, emergency repair of broken glass, emergency doors, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 20% of the sum insured under contents insurance, at least CHF 30,000

• Cover excludes damage to frozen food due to accidental thawing of a freezer

• Skis and bicycles are included in the cover for simple theft away from home

• Optional cover for damaged and lost luggage available (sum insured: CHF 2,000)

• Consequential and complementary damage (glass) CHF 5000 per claim

Deductible

• The deductible is generally CHF 200 and can be changed to up to CHF 500

• A statutory deductible of CHF 500 applies to damage caused by natural hazards

Other points to note

• All home contents are insured at their original value.

• Basic home contents cover includes damage to or destruction of contents caused by subtenants (e.g. Airbnb guests), psychological counselling required as a consequence of an insured event, and the waiver of the right to reduce benefits in the event of gross negligence.

• Accidental damage to household contents can also be insured, covering items broken unintentionally. Accidental damage insurance (basic cover) includes damage to electrical appliances (e.g. mobile phones), sports equipment (e.g. skis/snowboards), hearing aids and other medical aids (e.g. insulin pumps) as well as valuables (e.g. watches). With the home contents casco supplement, you can cover all your household contents (e.g. glasses and furniture) against damage as well as those included in basic cover. (Sum insured CHF 2,000)

• You can also add cyber insurance to your cover. It provides support in the event of data loss (cost of data recovery), infringements of personality rights (reputation management, legal protection and psychological counselling), breaches of copyright, plus misuse with respect to online payments and transactions (legal protection and residual financial loss). It also includes 100 GB of data storage in a high-security online data safe and there is the option of searching the internet and darknet for personal data and having this data deleted. In addition, you benefit from an emergency service for IT problems and technical support for electronic devices by telephone and remote access.

• Personal legal protection insurance for safeguarding legal interests in cases pertaining to contract law is automatically included. (Example: if a coffee machine that is still under guarantee is not repaired free of charge or if the hotel is far from being in line with the information in the travel brochure, etc.)

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Home contents insurance automatically includes a 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller cheques, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for customers of Mobiliar

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

The Youth Package is aimed at all boys who are no longer living at home and is only possible with the combination of home contents insurance and personal liability insurance.

Fire
Includes additional cover against damage to home contents due to fire caused by cooking, heating or other sources of heat; up to a maximum of CHF 5,000. Loss or damage caused by an aircraft or spacecraft crash is also included.

Theft
Burglary, robbery and simple theft at home. Any vehicle that was broken into or cases of pickpocketing and theft by trickery are considered simple theft away from home (cover for up to CHF 2,000).

Water
Cover includes damage to home contents caused by:

• Water leaking from pipes, installations and connected appliances that serve the building at the insured address.

• Water leaking from fish tanks, ornamental fountains, waterbeds and air humidifiers.

• Rain, snowmelt and glacial meltwater.

• Groundwater, surface runoff or backwater from the drainage system.

Glass breakage

• Breakage of glass panes, acrylic glass or glass-like materials cannot be insured.

Limitations of cover

• Cover for household contents in the event of fire, natural hazards, theft and water damage up to a maximum sum insured of 80,000

• Cover for cash, credit cards etc. (excluding simple theft): up to CHF 5,000

• Cover for jewellery in case of simple theft at home and burglary: up to CHF 30,000

• Guests' belongings, entrusted movable items and entrusted pets: up to CHF 20,000

• Personal tools and items used for professional purposes: up to maximum annual sales of CHF 20,000

• Cover for expenses for changing locks, emergency repair of broken glass, emergency doors, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 20% of the sum insured under contents insurance, at least CHF 30,000

• Cover excludes damage to frozen food due to accidental thawing of a freezer

• Simple theft away from home incl. damage and loss of luggage (sum insured CHF 2,000 or automatic doubling of the sum insured for stays and trips of at least three nights)

• Skis and bicycles are included in the cover for simple theft away from home

• Home contents casco insurance for damage to electrical appliances, such as smartphones) (sum insured: CHF 2,000) </ul class="plain">

Deductible

• The deductible for the youth package is generally CHF 100

• A statutory deductible of CHF 500 applies to damage caused by natural hazards

Other points to note

• The youth package is only possible when combined with home contents insurance and personal liability insurance.

• All home contents are insured at their original value.

• Basic home contents cover includes damage to or destruction of contents caused by subtenants (e.g. Airbnb guests), psychological counselling required as a consequence of an insured event, and the waiver of the right to reduce benefits in the event of gross negligence.

• In the event of underinsurance, the compensation will not be reduced. (Regulation does not apply to natural hazards)

• Cyber insurance is included in the Classic Youth Package. It provides support in the event of data loss (cost of data recovery), infringements of personality rights (reputation management, legal protection and psychological counselling), breaches of copyright, plus misuse with respect to online payments and transactions (legal protection and residual financial loss). It also includes 100 GB of data storage in a high-security online data safe and there is the option of searching the internet and darknet for personal data and having this data deleted. In addition, you benefit from an emergency service for IT problems and technical support for electronic devices by telephone and remote access.

• Personal legal protection insurance for safeguarding legal interests in cases pertaining to contract law is automatically included. (Example: if a coffee machine that is still under guarantee is not repaired free of charge or if the hotel is far from being in line with the information in the travel brochure, etc.)

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Home contents insurance automatically include 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost travellers' cheques, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for young people up to the age of 26

• Affordable price with unbeatable benefits, especially with home contents casco insurance

• Reduced deductible of CHF 100 instead of CHF 200 in the event of a claim

• Use of third-party vehicles up to a maximum of 25 days a year, personal liability included

• Contractual legal protection insurance included

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Includes 24-hour personal assistance for hassle-free round-the-clock support worldwide in case of an emergency while travelling

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

• Discount of CHF 50 on SBB's Night GA Travelcard

The Youth Package is aimed at all boys who are no longer living at home and is only possible with the combination of home contents insurance and personal liability insurance.

Fire
Includes additional cover against damage to home contents due to fire caused by cooking, heating or other sources of heat; up to a maximum of CHF 5,000. Loss or damage caused by an aircraft or spacecraft crash is also included.

Theft
Burglary, robbery and simple theft at home. Any vehicle that was broken into or cases of pickpocketing and theft by trickery are considered simple theft away from home (cover for up to CHF 2,000).

Water
Cover includes damage to home contents caused by:

• Water leaking from pipes, installations and connected appliances that serve the building at the insured address.

• Water leaking from fish tanks, ornamental fountains, waterbeds and air humidifiers.

• Rain, snowmelt and glacial meltwater.

• Groundwater, surface runoff or backwater from the drainage system.

Glass breakage

• Breakage of glass panes, acrylic glass or glass-like materials cannot be insured.

Limitations of cover

• Cover for household contents in the event of fire, natural hazards, theft and water damage up to a maximum sum insured of 80,000

• Cover for cash, credit cards etc. (excluding simple theft): up to CHF 5,000

• Cover for jewellery in case of simple theft at home and burglary: up to CHF 30,000

• Guests' belongings, entrusted movable items and entrusted pets: up to CHF 20,000

• Personal tools and items used for professional purposes: up to maximum annual sales of CHF 20,000

• Cover for expenses for changing locks, emergency repair of broken glass, emergency doors, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 20% of the sum insured under contents insurance, at least CHF 30,000

• Cover excludes damage to frozen food due to accidental thawing of a freezer

• Simple theft away from home incl. damage and loss of luggage (sum insured CHF 2,000 or automatic doubling of the sum insured for stays and trips of at least three nights)

• Skis and bicycles are included in the cover for simple theft away from home

• Home contents casco insurance for damage to electrical appliances, such as smartphones) (sum insured: CHF 2,000)

Deductible

• The deductible for the youth package is generally CHF 100

• A statutory deductible of CHF 500 applies to damage caused by natural hazards

Other points to note

• The youth package is only possible when combined with home contents insurance and personal liability insurance.

• All home contents are insured at their original value.

• Basic home contents cover includes damage to or destruction of contents caused by subtenants (e.g. Airbnb guests), psychological counselling required as a consequence of an insured event, and the waiver of the right to reduce benefits in the event of gross negligence.

• In the event of underinsurance, the compensation will not be reduced. (Regulation does not apply to natural hazards)

• Cyber insurance is included in the Classic Youth Package. It provides support in the event of data loss (cost of data recovery), infringements of personality rights (reputation management, legal protection and psychological counselling), breaches of copyright, plus misuse with respect to online payments and transactions (legal protection and residual financial loss). It also includes 100 GB of data storage in a high-security online data safe and there is the option of searching the internet and darknet for personal data and having this data deleted. In addition, you benefit from an emergency service for IT problems and technical support for electronic devices by telephone and remote access. (If cyber insurance is not desired, we recommend the Minima youth package, which is otherwise identical but without cyber insurance).

• Personal legal protection insurance for safeguarding legal interests in cases pertaining to contract law is automatically included. (Example: if a coffee machine that is still under guarantee is not repaired free of charge or if the hotel is far from being in line with the information in the travel brochure, etc.)

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Home contents insurance automatically include 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost travellers' cheques, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for young people up to the age of 26

• Affordable price with unbeatable benefits, especially with home contents casco insurance

• Reduced deductible of CHF 100 instead of CHF 200 in the event of a claim

• Use of third-party vehicles up to a maximum of 25 days a year, personal liability included

• Contractual legal protection insurance included

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Includes 24-hour personal assistance for hassle-free round-the-clock support worldwide in case of an emergency while travelling

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

• Discount of CHF 50 on SBB's Night GA Travelcard

Conditions applying to driving other vehicles

• Occasional use, up to 10 days per year

• Vehicles and trailers owned by others, up to a total weight of 3.5 tons

Policyholder is insured against claims in their capacity as:

• driver

• Legally required supervisor of a learner driver

Basic insurance covers:

• loss of vehicle liability insurance bonus

• Damage to the driven vehicle due to an accident (insofar as this is not covered by full casco insurance)

• Bonus loss and deductible of full casco insurance

Conditions applying to residential property
The insurance covers the policyholder's liability as:

• a tenant of self-occupied residential buildings, living quarters and communal areas

• a renter of hotel rooms and holiday homes

• a renter or owner of mobile homes or non-registered caravans that have a permanent location

• an owner of self-occupied property including premises with a maximum of three living units

• condominium owners: in this case, the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.

• Builder-owners: liability cover for builder-owners is included for renovations up to a sum of CHF 100,000

• renters or owners of undeveloped land such as allotments, forest, etc. up to 1000 m2

Cover for children

• Individual insurance also includes minor children staying with the policyholder on a temporary basis.

• In the case of family insurance, cover includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and either live permanently in the same household as the policyholder or return there regularly as a weekly resident. Apprenticeships and part-time student jobs are not considered gainful employment. </ul class="plain">

Deductible

• CHF 400 per claim and can be changed to CHF 200

Other points to note

• Cover with no legal liability (“optional” liability) is not included.

• Statutory liability is covered for the policyholder in their capacity as a keeper or user of drones and model aircraft, as long as these items legally require or would legally require liability insurance in Switzerland.

• Cover does not include damage to motorboats or sailing boats belonging to third parties.

• Psychological counselling required as a consequence of an insured event is not covered.

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed CHF 12,000.

• Psychological counselling required as a consequence of an insured event is not covered.

• Waiver of the right to reduce benefits in the event of gross negligence is included in basic personal liability cover.

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Personal liability insurance automatically includes a 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller's cheques, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for customers of Mobiliar

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

Conditions applying to third-party vehicles

• Occasional use, up to 35 days per year

• Vehicles and trailers owned by others, up to a total weight of 3.5 tons

Policyholder is insured against claims in their capacity as:

• Driver

• Legally required supervisor of a learner driver

Basic insurance covers:

• Loss of vehicle liability insurance bonus

• Damage to the driven vehicle due to an accident, such as collision damage, filling up with the wrong fuel, loading and unloading or cleaning (insofar as this is not covered by full casco insurance)

• Cost of an equivalent rental/replacement vehicle while the driven third-party vehicle/trailer is being repaired, limited to CHF 1,000 per claim (insofar as the cost of an equivalent rental/replacement vehicle is not assumed by third parties)

• Bonus loss and excess of full casco insurance

Conditions applying to residential property
The insurance covers the policyholder's liability as:

• A tenant of self-occupied residential buildings, living quarters and communal areas

• A renter of hotel rooms and holiday homes

• A renter or owner of mobile homes or non-registered caravans that have a permanent location

• An owner of self-occupied property including premises with a maximum of three living units

• Condominium owner: in this case, the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.

• Builder-owner: liability cover for builder-owners is included for renovations up to a sum of CHF 200,000.

• Renters or owners of undeveloped land such as allotments, forest, etc. up to 1,000m²

Cover for children

• Individual insurance also includes minor children staying with the policyholder on a temporary basis

• In the case of family insurance, cover includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and either live permanently in the same household as the policyholder or return there regularly as a weekly resident. Apprenticeships and part-time student jobs are not considered gainful employment.

Excess/deductible

• The excess is CHF 200.

• It can be increased to CHF 500.

Other points to note

• Cover with no legal liability (“optional” liability) is provided up to CHF 2,000.

• Damage to equestrian equipment owned by others, such as the saddle, bridle or carriage driving equipment, is insured.

• Statutory liability is covered for the policyholder in their capacity as a keeper or user of drones and model aircraft, as long as these items do not legally require a permit from the Federal Office of Civil Aviation (FOCA).

• Cover includes damage to motorboats or sailing boats belonging to third parties.

• Psychological counselling required as a consequence of an insured event is also covered.

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed CHF 20,000.

• Basic personal liability cover includes a waiver of the right to reduce benefits in the event of gross negligence, as well as protection in the event of a third party having no personal liability cover.

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Personal liability insurance automatically includes a 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller checks, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for customers of Mobiliar

• Contractual legal protection insurance included

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

The Youth Package is aimed at all boys who are no longer living at home and is only possible with the combination of home contents insurance and personal liability insurance.

Conditions applying to driving other vehicles

• Occasional use, up to 35 days per year

• Third-party vehicles up to 3.5 tons

Policyholder is insured against claims in their capacity as:

• driver

• legally required supervisor of a learner driver

Basic insurance covers:

• loss of vehicle liability insurance bonus

• damage to the driven vehicle due to an accident, such as collision damage, filling up with the wrong fuel, loading and unloading or cleaning (insofar as this is not covered by full casco insurance)

• Cost of an equivalent rental/replacement vehicle while the driven third-party vehicle/trailer is being repaired, limited to CHF 1000 per claim (insofar as the cost of an equivalent rental/replacement vehicle is not assumed by third parties)

• Bonus loss and deductible of full casco insurance

Conditions applying to residential property
The insurance covers the policyholder's liability as:

• a tenant of self-occupied residential buildings, living quarters and communal areas

• a renter of hotel rooms and holiday homes

• a renter or owner of mobile homes or non-registered caravans that have a permanent location

• an owner of self-occupied property including premises with a maximum of three living units

• condominium owners: in this case, the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.

• Builder-owners: liability cover for builder-owners is included for renovations up to a sum of CHF 200,000

• renters or owners of undeveloped land such as allotments, forest, etc. up to 1000m2

Cover for children

• Individual insurance also includes minor children staying with the policyholder on a temporary basis

• In the case of family insurance, cover includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and either live permanently in the same household as the policyholder or return there regularly as a weekly resident. Apprenticeships and part-time student jobs are not considered gainful employment.

Deductible

• The deductible for the youth package is generally CHF 100

Other points to note

• The youth package can be purchased for shared apartments with a maximum of four people in a household at a multi-person rate without a surcharge.

• Cover with no legal liability (“optional” liability) is provided up to CHF 2,000.

• Damage to equestrian equipment owned by others, such as the saddle, bridle or carriage driving equipment, is insured.

• Statutory liability is covered for the policyholder in their capacity as a keeper or user of drones and model aircraft, as long as these items do not legally require a permit from the Federal Office of Civil Aviation (FOCA).

• Cover includes damage to motorboats or sailing boats belonging to third parties.

• Psychological counselling required as a consequence of an insured event is also covered.

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed CHF 20,000.

• Psychological counselling required as a consequence of an insured event is also covered.

• Basic personal liability cover includes a waiver of the right to reduce benefits in the event of gross negligence, as well as protection in the event of a third party having no personal liability cover.

• Personal legal protection insurance for safeguarding legal interests in cases pertaining to contract law is automatically included. (Example: if a coffee machine that is still under guarantee is not repaired free of charge or if the hotel is far from being in line with the information in the travel brochure, etc.)

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Personal liability insurance automatically includes a 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller's cheques, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for young people up to the age of 26

• Affordable price with unbeatable benefits, especially with home contents casco insurance

• Reduced deductible of CHF 100 instead of CHF 200 in the event of a claim

• Use of third-party vehicles up to a maximum of 25 days a year, personal liability included

• Contractual legal protection insurance included

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Includes 24-hour personal assistance for hassle-free round-the-clock support worldwide in case of an emergency while travelling

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

• Discount of CHF 50 on SBB's Night GA Travelcard

The Youth Package is aimed at all boys who are no longer living at home and is only possible with the combination of home contents insurance and personal liability insurance.

Conditions applying to driving other vehicles

• Occasional use, up to 35 days per year

• Third-party vehicles up to 3.5 tons

Policyholder is insured against claims in their capacity as:

• driver

• legally required supervisor of a learner driver

Basic insurance covers:

• loss of vehicle liability insurance bonus

• damage to the driven vehicle due to an accident, such as collision damage, filling up with the wrong fuel, loading and unloading or cleaning (insofar as this is not covered by full casco insurance)

• Cost of an equivalent rental/replacement vehicle while the driven third-party vehicle/trailer is being repaired, limited to CHF 1000 per claim (insofar as the cost of an equivalent rental/replacement vehicle is not assumed by third parties)

• Bonus loss and deductible of full casco insurance

Conditions applying to residential property
The insurance covers the policyholder's liability as:

• a tenant of self-occupied residential buildings, living quarters and communal areas

• a renter of hotel rooms and holiday homes

• a renter or owner of mobile homes or non-registered caravans that have a permanent location

• an owner of self-occupied property including premises with a maximum of three living units

• condominium owners: in this case, the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.

• Builder-owners: liability cover for builder-owners is included for renovations up to a sum of CHF 200,000

• renters or owners of undeveloped land such as allotments, forest, etc. up to 1000m²

Cover for children

• Individual insurance also includes minor children staying with the policyholder on a temporary basis

• In the case of family insurance, cover includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and either live permanently in the same household as the policyholder or return there regularly as a weekly resident. Apprenticeships and part-time student jobs are not considered gainful employment.

Deductible

• The deductible for the youth package is generally CHF 100

Other points to note

• The youth package can be purchased for shared apartments with a maximum of four people in a household at a multi-person rate without a surcharge.

• Cover with no legal liability (“optional” liability) is provided up to CHF 2,000.

• Damage to equestrian equipment owned by others, such as the saddle, bridle or carriage driving equipment, is insured.

• Statutory liability is covered for the policyholder in their capacity as a keeper or user of drones and model aircraft, as long as these items do not legally require a permit from the Federal Office of Civil Aviation (FOCA).

• Cover includes damage to motorboats or sailing boats belonging to third parties.

• Psychological counselling required as a consequence of an insured event is also covered.

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed CHF 20,000.

• Psychological counselling required as a consequence of an insured event is also covered.

• Basic personal liability cover includes a waiver of the right to reduce benefits in the event of gross negligence, as well as protection in the event of a third party having no personal liability cover.

• Personal legal protection insurance for safeguarding legal interests in cases pertaining to contract law is automatically included. (Example: if a coffee machine that is still under guarantee is not repaired free of charge or if the hotel is far from being in line with the information in the travel brochure, etc.)

• Access to the Mobilière legal guide with its helpful articles, leaflets, templates and checklists covering a wide range of legal issues.

• Personal liability insurance automatically includes a 24-hour home assistance, for immediate help in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller's cheques, cash, bank or Swiss Post cards and credit cards, pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for young people up to the age of 26

• Affordable price with unbeatable benefits, especially with home contents casco insurance

• Reduced deductible of CHF 100 instead of CHF 200 in the event of a claim

• Use of third-party vehicles up to a maximum of 25 days a year, personal liability included

• Contractual legal protection insurance included

• Access to the Mobilière legal guide

• 24 hour home assistance included

• Includes 24-hour personal assistance for hassle-free round-the-clock support worldwide in case of an emergency while travelling

• Use of the exclusive Mobiliar ski and event ticket shop with many ticket discounts and priority tickets for entertainment and sports as well as 25% discount on selected ski day passes

• Discount of CHF 50 on SBB's Night GA Travelcard