Hi,

Actually the winterthur is a reputable insurance company, many years back they took over Neuenburger Ins. Co.

What you really need to know is what cover you have got.

I suspect you have got' hausrat' cover and 'gebaude' and this is what you have to watch.

Hausrat, is contents, ie. everything in the house including in most cases, theft from your car.

Gebaude, is building cover.

However, 400 + is really not too bad my bill is 540. and all I have is rubbish.

There is taxes, 5% Stempelabgabe.

Plus it depends on how much you have made the value for insurance purposes.
Eg. 100.000 or 200.000Frs.

And regarding contracts,you sign from anything from 1 to 5 years and if your not carefull they roll over automatically, so you must watch out.

The best would be next time you phone, don't ask, tell them, you want one of there local agents to come round to the house, to explain and show you what your insurance is.

Believe me, they will come, you have only to ask, the only drawback to this is, they'll try their hardest to sell you insurance, and they do call in the evening.

All the best