Contents & personal liability

Basic characteristics of personal liability insurance products

General principle
Personal liability insurance protects the insured persons against third-party claims made according to legal liability regulations. Article 41 of the Swiss Code of Obligations provides the statutory basis for this. It reads as follows: "Any person who unlawfully causes loss or damage to another, whether wilfully or negligently, is obliged to provide compensation." This means that every individual is liable for such loss or damage with the total of his/her property. This is why it is so important to take out personal liability insurance.

Insured persons
Insurance can be bought as:

  • Individual
  • Family

The rules regarding the insurance of children within the scope of family coverage vary depending on the insurer and is therefore listed for each provider in the product details. There are also differences with regard to the rules applying to common-law partnerships.

What kind of cover is provided?
Personal liability insurance is an insurance at current value.

Where is the insurance cover valid?
The coverage provided by personal liability insurance applies throughout the world. Possible limitations are listed for each provider in the product details.

What does the insurance cover?
Statutory coverage:

  • Bodily injury and material damage
  • Cost of damage prevention
  • Financial loss resulting from insured types of bodily injury or material damage

Non-statutory cover:
This is not uniform. The limitations of benefits imposed by the individual providers reflect what is fully, partially or not at all insured beyond statutory coverage.

Limitations of benefits:
Possible limitations are listed for each provider in the product details.

Insured costs

  • Cost of expert's reports
  • Cost of an attorney
  • Court fees
  • Compensation to parties
  • Cost of damage prevention

What rules apply to third-party motor vehicles?
This question may be of relevance to individuals who now and then borrow a vehicle from friends. Some companies already offer certain benefits in the basic insurance, others do not. The scope of the coverage is therefore stated for each provider in the product details.

What rules apply to real estate property?
Coverage generally includes liability claims that you are liable for in your capacity as owner of self-inhabited buildings. The benefits vary from one health insurance provider to another, though. They are listed for each provider in the product details. In general, damage from tank systems are also insured.

What is excluded?

  • Damage caused to an insured person or a person living in the joint household
  • Damage caused while engaging in a principal professional activity or official activity
  • Material damage arising gradually or due to wear and tear
  • Damage that was clearly foreseeable or if the causing of such damage was hazarded
  • Damage caused by the transmission of an infectious disease
  • Damage resulting from a crime or wilful misdemeanour
  • Damage resulting from contractual liability

What endorsements can be bought?
Most insurance companies offer the following insurance endorsements:

  • Damage to occasionally, not regularly, used third-party vehicles
  • Damage to rented, borrowed or temporarily kept horses or horses exercised by the owner's order
  • Damage caused in the capacity as hunter, tenant of a hunting ground, armed hunting guest, game keeper, game warden or participant in a hunting event
  • Damage caused while acting as teacher, trainer, ski instructor or mountain guide
  • Damage in connection with the use of parachutes, delta gliders, hang-gliders and paragliders.
  • Liability insurance for mopeds (up to 49 ccm)