Liability Insurance
Liability insurance covers any mishaps you may have that lead to personal injury or damage to other people’s property. It also wards off unjustified claims.
Calculate premiumsLiability insurance covers any mishaps you may have that lead to personal injury or damage to other people’s property. It also wards off unjustified claims.
Calculate premiumsA mishap can occur before you know it. Whether you, a family member or a pet is to blame.
In Switzerland, liability insurance is generally voluntary, but it’s nevertheless recommended. Because it protects you against the high cost of accidentally causing damage or injury to a third person. Do you keep a dog as a pet? In that case, most cantons in Switzerland will require you to have this type of insurance.
Would you like more protection? We have optional add-ons for when you’re at home and away.
Gross negligence means acting irresponsibly or carelessly and failing to exercise due care. For example, if you ride through a red light on your bicycle, causing an accident. If you have the gross negligence option, your benefits won’t be reduced when you make a claim.
Cover for damage to third-party vehicles that you use only occasionally. These include passenger cars, motorbikes, delivery vans with a total weight of up to 3.5 tonnes, agricultural vehicles, and motor boats and sailing boats.
Insure claims arising from self-employment through which you earn up to CHF 18,000 a year.
Accident-related damage to horses that you borrow, hire, keep temporarily or ride on behalf of someone else, including their tackle.
Unless otherwise agreed, your deductible is CHF 200 per loss event. This ceases to apply at the end of the fifth year of insurance.
Yes. Many landlords require their tenants to have personal liability insurance. It’s not set out anywhere in law, but it may form part of the tenancy agreement.
You don’t need supplementary cover for e-bikes capable of travelling at max. 25km/h as any damage you cause when riding them are included in the basic cover. Make sure your e-bike is properly insured.
Yes. Refugees from Ukraine with S status are included in the insurance – regardless of whether you have cover for one or more people. This applies until they leave Switzerland or, at the latest, until their S status comes to an end.
The insurance can be cancelled at the end of the minimum contract term or at the end of the third year by giving 3 months' notice. If notice is not given on time, the contract will automatically run for another year.