Hallo,
I am relocating out of Zurich and leaving my apartments at end of October. I have been staying here in the same apartment for last 4 years and now the time has come for handover to the rental agency. I have a House Insurance from DieMobilar which includes the personal liability Insurance for last 4 years.

I wanted to get information from people who have claimed or have knowledge on how to report or claim from insurance company.

Problem :
The Wash basin in the bathroom in our apartment has cracked and this I had already informed to my rental agency - who said he will replace it and I can claim from the Insurance company. The basin is yet to be replaced and will be done in next 2 weeks.


My Question :
1. Should I report to the Insurance company before replacing the wash basin or should I wait till it is replaced ? I can just call them and ask - but some inputs from you will help.

2. Do the Insurance company give the claim amount without any hassles / deductions ? I understand they do deduct around CHF 200 - but is there any other more deductions ?

3. Should I inform the Insurance company that I am vacating the apartments by Oct end ? I am leaving the country and going by Mid Nov.
Insurance cover is valid till July 2012.


Thanks in advance for answers.

Cheers,
Mankav

Ring the insurance company and tell them

They will likely say: send us a copy of the invoice when you get it and they will process it.

Important: you must get an invoice for any repair work done on the apartment. Without any paperwork providing proof of the amount of the damage, the insurance company cannot do anything