Where to get Renters insurance / personal liability insurance

#1 23.01.2008, 16:43

Hi, I am new to Switzerland and will move from temporary accomodation into my flat in Basel next month. The apartment lease recommends that I get liability insurance to cover me for break-in, theft, damage to glass etc.

More importantly, I would like to sign-up for personal liability insurance to cover me if I hit someone while riding the bicycle etc.

I had such a combined renters/personal liability insurance (HSBC Homesurance) before I moved to Switzerland and it cost me the equivalent of CHF30/month.

I am banking with UBS but their web site does suggests that this is not a service they offer; previously I did banking and insurance both with HSBC.

What companies have others on this forum used to insure for household goods and personal liabilty? What are your experiences re: their customer service?

gooner · #2 23.01.2008, 16:47

Contact Jenny on the forum.

Insurance advice offered

muze7 · #3 24.01.2008, 09:32

I looked up this on www.comparis.ch. After careful comparison, just the home insurance by the way, I chose Visana. I assume they also have the personal liability. For a 4 bedroom house it was 137 a year and the part you have to pay per claim is lower than with other companies. Check out the above site.

Castro · #4 24.01.2008, 12:26

Can you get personal liability insurance that is not linked to your address. I'm in the same boat as Axelino in that I need it for my 3 month temp accomodation.

Goldtop · #5 01.03.2008, 22:20

	Quote:	axelino
	... if I hit someone while riding the bicycle etc.

Liability insurance is a must have. Ruinous otherwise.

But it does not cover bicycle accidents. That requires a valid sticker on the bicycle. Costs about CHF 6 p.a. and is valid from May to May (cycling season).

See this link:
Velo Vignette: A few questions...

Wakey · #6 02.03.2008, 22:43

I have the combined package at Winterthur, and until now I've been very happy with them. Not too expensive, but good customer service and coverage. My 2-yr old bike got stolen, and they refunded everything (incl. accessoires + vignette) within 1 week, without asking questions.

The 'selbstbehalt' is 200chf, but this seems to be quite common.

J.L-P · #7 20.03.2008, 09:42

	Quote:	muze7
	I looked up this on www.comparis.ch. After careful comparison, just the home insurance by the way, I chose Visana. I assume they also have the personal liability. For a 4 bedroom house it was 137 a year and the part you have to pay per claim is lower than with other companies. Check out the above site.

I did that too and was also working with an insurance broker- when he saw my "Comparis" quotes, he was able to offer me a better rate with the same company that I had chosen using Comparis!

cata · #8 04.01.2011, 00:27

I have the same problem that castro.... can I get a liability insurance for a temporary sublet (half a year?)
Thanks