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  #21  
Old 23.01.2013, 16:47
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Re: personal liability insurance

Same as above. Of course every time fraud is committed by a foreigner, all foreigners are tarred with the same brush and pay the price - the huge majority of decent, law-abiding foreigners.
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  #22  
Old 23.01.2013, 16:54
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Albeit, for such a small sum of money it's not likely that you will go to prison, but to save a couple of hundred bucks, it's hardly worth the risk of a criminal record that will follow you around for the rest of your life.


.
Criminal records don't work like that in CH, unless you receive a 5k fine or do a serious stint in prison, not a suspended sentence for a first offence your unlikely to get a record .
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  #23  
Old 23.01.2013, 16:55
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Re: personal liability insurance

Ah well, that's OK then
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  #24  
Old 23.01.2013, 16:56
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Re: personal liability insurance

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Criminal records don't work like that in CH, unless you receive a 5k fine or do a serious stint in prison, not a suspended sentence for a first offence your unlikely to get a record .
So he should do it then?
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  #25  
Old 23.01.2013, 17:07
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Re: personal liability insurance

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hehe...seems like someone has some bitter memories here ;-)

but actually its not even 500chfs because i would have to pay something around 250-300 for that yearly contract ..so effectively its gonna get me that 200-250 chf back ...

I just wanted to know how these liability insurances work and what other peoples opinion are in that regard ...

This is ridiculous.

Well you forget that every household insurance policy comes with a deductible. The minimum deductible (Selbstbehalt) I believe is Fr. 200.--

If you commit insurance fraud and get caught your permit renewal might be in jeopardy or denied upgrade from L to B and from B to C...
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  #26  
Old 23.01.2013, 17:18
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Re: personal liability insurance

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No mate,
I work in the Insurance industry and you asked questions.... and I provided answers.

Prison is a very realistic consequence of insurance fraud.

Albeit, for such a small sum of money it's not likely that you will go to prison, but to save a couple of hundred bucks, it's hardly worth the risk of a criminal record that will follow you around for the rest of your life.


So.... let me get this straight.

You have asked what will happen and if it will work.

Not one person has suggested that what you are going to do is a good idea, but you are going to do it anyway?

OK, I'm out of this thread.
You're on your own buddy.
of course i'm ot going to do it my friend . i though i made it clear that even if it wasnt fraud and it would have been only 200 chf which i dont think its worth all of the paperwork and trouble..so just relax.
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  #27  
Old 23.01.2013, 17:25
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Re: personal liability insurance

If you're going to be dodgy, at least do it properly.

You invite someone over who you don't really like, get them very drunk, then send them home.

The next day, you ring your stupid drunk friend and tell him how he fell over lots of times, damaging the walls, blinds, windows etc whatever, and that they should claim off his 3rd party liability insurance.

Cost free! And you get rid of someone you didn't really like in the first place.
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  #28  
Old 23.01.2013, 17:30
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Re: personal liability insurance

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If you're going to be dodgy, at least do it properly.

You invite someone over who you don't really like, get them very drunk, then send them home.

The next day, you ring your stupid drunk friend and tell him how he fell over lots of times, damaging the walls, blinds, windows etc whatever,
Say it was your Irish friend "Rick O'Shae"

(boom tish)
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  #29  
Old 23.01.2013, 17:31
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Re: personal liability insurance

Then why bother to ask the question in the first place? If you're leaving Switzerland and giving up your apartment, any damage after your termination date is the landlord or new tenant's responsibility. If damage is found on the final inspection before you leave, the cost of repairs will be taken out of your deposit.

If you're sub-letting then make it part of the contract that your leasee pays for public liability insurance. Then make note of any/all damage before he moves in and you can bill him for any further damage when the let ends. But either way you'll end up paying money for any damage you've done and haven't had repaired.
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  #30  
Old 23.01.2013, 17:33
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Re: personal liability insurance

Yet another depressing EF thread along the model:

"I havent been here long/just arrived/might arrive/am leaving, and almost certainly wont contribute much to this forum once my question has been answered, but please just take some of your precious time to tell me how to achieve some selfish/self serving/morally dubious objective."

No thanks!
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  #31  
Old 23.01.2013, 17:35
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Re: personal liability insurance

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Then why bother to ask the question in the first place? If you're leaving Switzerland and giving up your apartment, any damage after your termination date is the landlord or new tenant's responsibility. If damage is found on the final inspection before you leave, the cost of repairs will be taken out of your deposit.

If you're sub-letting then make it part of the contract that your leasee pays for public liability insurance. Then make note of any/all damage before he moves in and you can bill him for any further damage when the let ends. But either way you'll end up paying money for any damage you've done and haven't had repaired.
I repeat, I asked because i had no idea about liability insurance. so i wanted to gain some info and also see how the claims work for this nsurance and what other people think..which by now i'd say "task is completed" !
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  #32  
Old 23.01.2013, 17:51
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Re: personal liability insurance

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I repeat, I asked because i had no idea about liability insurance. so i wanted to gain some info and also see how the claims work for this nsurance and what other people think..which by now i'd say "task is completed" !
When signing a lease, always purchase a liability insurance (Privathaftpflichtversicherung / Assurance RC privée) that includes coverage in case of fire or water damage with min Fr. 5'000'000.-- per event.
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  #33  
Old 23.01.2013, 18:07
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Re: personal liability insurance

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I repeat, I asked because i had no idea about liability insurance. so i wanted to gain some info and also see how the claims work for this nsurance and what other people think..which by now i'd say "task is completed" !
Bwahahaha nice try. You asked because you wanted to see if you could get away with fraud. But okay I'll play along for a moment.

Let's assume they might find some damage as you are moving out or you have lost the keys but never reported it. First, take photos of every room and anything that might be nit-picked. Make sure your camera is set with the date right on the photo. That way you have some proof of what things looked like when you left.

Second, report any missing keys now (since it sounds like there are). You can say you don't know when you lost them, but it probably won't matter. The apartment itself and any storage or laundry units associated with it will have to get new locks and keys.

Finally, I don't think liability insurance would cover wear and tear or lost keys anyway. But I could be wrong. Good luck.
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  #34  
Old 23.01.2013, 19:11
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Re: personal liability insurance

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Finally, I don't think liability insurance would cover wear and tear or lost keys anyway.
Agree, for me it's the household insurance that covers replacing keys and locks.

The whole key business in Switzerland is such a rip-off and worrying hassle, and I wish they would simplify the system.
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  #35  
Old 03.09.2015, 19:17
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Re: personal liability insurance

I use AXA it's pretty good. Generali is horrible.
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  #36  
Old 03.09.2015, 20:38
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Re: personal liability insurance

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I use AXA it's pretty good. Generali is horrible.
That's a pretty random resurrection of a two year old thread...
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  #37  
Old 08.09.2015, 17:41
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Re: personal liability insurance

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I changed as well. You can do that every year bevor the end of November.


I always compare the insurance companies using a comparison website and take the best one


here the link i use for halth-insurance comparison: <link removed>


I already safed some money with a annualy change, why pay more
1) This thread is about personal liability insurance not about health insurance.
2) Here is the official website to compare health care premiums of ALL providers http://www.priminfo.ch
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