PERSONAL LIABILITY THE ESSENTIAL BASIC COVER.
A moment of clumsiness can have serious financial consequences. Whether it is an item damaged at a friend's or relative's home, an accident involving a third party or more substantial material damage, you may be held liable and face costs that are sometimes very high. With the right personal liability insurance, you have financial protection so you can deal calmly with everyday mishaps.
WHY TAKE OUT PERSONAL LIABILITY INSURANCE?
Personal liability insurance is one of the most important types of insurance in Switzerland. It protects you against the sometimes considerable financial consequences of damage you might accidentally cause to third parties.
PROTECT
Your financial situation
Avoid having to bear sometimes very high costs yourself if you cause damage to another person or their property.
SECURE
Your whole family
Cover generally extends to everyone living in your household, including children.
Cover
Everyday mishaps
At home, on holiday, during your leisure time or sporting activities, you are protected in many everyday situations.
REASSURE
Your future
Live with peace of mind, knowing that the financial consequences of an accident or a moment of clumsiness can be covered by your personal liability insurance.
SITUATIONS COVERED
A simple oversight, a moment of clumsiness or an accident can cause significant damage. Here are some examples of situations in which your personal liability insurance can step in to protect you against the financial consequences.
Everyday accidents
A moment of clumsiness can have serious financial consequences. Whether it is something broken at a friend's home, a damaged phone or damage accidentally caused to a third party, your personal liability insurance protects you every day.
Damage to rented property
Damage to your home can quickly add up to high costs. A damaged door, broken equipment or certain accidental damage may be covered, depending on the terms of your policy.
Sport and leisure
Sport and leisure activities are not without risk. On a bike ride, a day's skiing or an outdoor activity, your insurance can step in if you accidentally cause damage to someone else.
The whole family
Cover generally applies to everyone living under the same roof. You therefore enjoy extended protection for yourself, your spouse or partner and your children in many everyday situations.
Find the answers to the most frequently asked questions about personal liability insurance, its cover, its exclusions and the situations covered.
FREQUENTLY ASKED QUESTIONS
What is personal liability insurance?
Personal liability insurance covers personal injury, property damage or financial loss that you might accidentally cause to another person.
Is personal liability insurance compulsory in Switzerland?
In most cantons it is not a legal requirement, but it is strongly recommended. Some landlords even ask for a certificate of insurance when you rent a home.
What does personal liability insurance cover?
It generally covers damage caused to third parties by you, the members of your household, your children and sometimes your pets.
Is damage to a rented home covered?
Yes, many personal liability policies cover certain damage to rented accommodation, subject to the terms of the contract.
Is my dog or cat covered?
In most cases, damage caused by pets is included in personal liability cover.
What is the difference between personal liability and household contents insurance?
Personal liability insurance covers damage you cause to others, whereas household contents insurance protects your own belongings against certain risks such as theft, fire or water damage.
How much does personal liability insurance cost?
The premium depends in particular on your family situation, the number of people insured and the cover you choose.
Why compare personal liability insurance policies?
The sums insured, deductibles and benefits can vary from one insurer to another. Comparing them lets you get the most suitable cover at the best price.
How can Veltica help me?
We analyse your needs and compare the solutions on the market to find liability insurance that matches your situation and your budget.