Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 24.02.2015, 15:43
Kamarate's Avatar
Forum Veteran
 
Join Date: Jan 2010
Location: Neuchatel
Posts: 1,915
Groaned at 57 Times in 38 Posts
Thanked 1,619 Times in 685 Posts
Kamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond repute
Broken oven

Hi all,

I wasn't sure whether to put this under insurance or home. Mods, please move if it's in the wrong place.

So last night, my boyfriend just went to open our oven and out of nowhere, the handle broke off, one of the springs/hinges collapsed, the oven door hurtled to the floor, smacked against it and the glass shattered everywhere (see photo).

We are not rough with the oven and we have no idea why this happened. It must be wear and tear. We asked our estate agents what we should do and they said "talk to your insurance". We have Swisscaution and home insurance and - sorry if I sound liek a complete idiot - but I don't know who to ask or what to do. If it's due to wear and tear, it shouldn't be up to us to pay for a new oven, should it? I'm worried our insurance won't be enough to cover it (I took out a policy for the sake of it and don't really understand it and our new policy - which is a good one I got advice on - doesn't start until July).

Please can someone help? I really can't afford to fork out for a new oven.
Attached Thumbnails
broken-oven-wp_20150223_18_28_59_pro-1-.jpg  
Reply With Quote
  #2  
Old 24.02.2015, 15:49
Phil_MCR's Avatar
Forum Legend
 
Join Date: Oct 2009
Location: Basel
Posts: 11,481
Groaned at 246 Times in 157 Posts
Thanked 13,335 Times in 5,680 Posts
Phil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond repute
Re: Broken oven

search EF. there was another exploding oven case which was covered by insurance.

apparently it does happen (i think in that case nobody touched it and it exploded on its own).
Reply With Quote
  #3  
Old 24.02.2015, 15:52
Forum Legend
 
Join Date: Sep 2010
Location: Neuchatel
Posts: 19,366
Groaned at 368 Times in 275 Posts
Thanked 22,372 Times in 10,066 Posts
Odile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond repute
Re: Broken oven

Ooops- but why not just phone Swiss caution and ask the receptionist to put you through to the right dpt and discuss this with them?

Are you members of Alsoca?
Reply With Quote
  #4  
Old 24.02.2015, 16:26
Forum Veteran
 
Join Date: Mar 2013
Location: Formerly in Neuchatel
Posts: 2,343
Groaned at 219 Times in 150 Posts
Thanked 3,863 Times in 1,539 Posts
porsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond repute
Re: Broken oven

You would claim on you liability insurance part of your insurance policy (if you have that). There will be a 200CHF (or there abouts) franchise

https://www.axa-winterthur.ch/en/pri...s/default.aspx

Otherwise you need to pay yourself

Swisscaution has nothing to do with it. That's simply a deposit guarantee. It doesn't insure anything.
Reply With Quote
The following 5 users would like to thank porsch1909 for this useful post:
  #5  
Old 24.02.2015, 16:31
Kamarate's Avatar
Forum Veteran
 
Join Date: Jan 2010
Location: Neuchatel
Posts: 1,915
Groaned at 57 Times in 38 Posts
Thanked 1,619 Times in 685 Posts
Kamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond repute
Re: Broken oven

This is the problem - I don't know who to go to!

I don't really understand the breakdown of our home insurance policy but I do remember seeing a deductible of CHF 200...

This is such a pain in the backside... surely it should be up to the agency to replace it? Either that or we have the right to take it with us when we leave, right?
Reply With Quote
  #6  
Old 24.02.2015, 16:31
Forum Legend
 
Join Date: Feb 2007
Location: Zurich Unterland
Posts: 3,318
Groaned at 145 Times in 99 Posts
Thanked 4,850 Times in 1,930 Posts
smoky has a reputation beyond reputesmoky has a reputation beyond reputesmoky has a reputation beyond reputesmoky has a reputation beyond reputesmoky has a reputation beyond reputesmoky has a reputation beyond repute
Re: Broken oven

My opinion, looking at that photo, is that the oven is just plain old and worn out - parts disintergrating/falling off.

Owner of apartment should replace the oven. That`s why tenants rent and owners upkeep things. Same as if the geyser conks in - owner replaces it.
Reply With Quote
  #7  
Old 24.02.2015, 16:39
Forum Legend
 
Join Date: Mar 2009
Location: Zurich
Posts: 9,184
Groaned at 529 Times in 401 Posts
Thanked 11,934 Times in 4,672 Posts
Richdog has a reputation beyond reputeRichdog has a reputation beyond reputeRichdog has a reputation beyond reputeRichdog has a reputation beyond reputeRichdog has a reputation beyond reputeRichdog has a reputation beyond repute
Re: Broken oven

Quote:
View Post
This is the problem - I don't know who to go to!
All you have to do is show an iota of initiative and call your insurance to explain the situation and see what they say/advise... why not try that first?

Arm yourself with the facts before going into a panic.

Last edited by Richdog; 24.02.2015 at 16:51.
Reply With Quote
  #8  
Old 24.02.2015, 16:40
Kamarate's Avatar
Forum Veteran
 
Join Date: Jan 2010
Location: Neuchatel
Posts: 1,915
Groaned at 57 Times in 38 Posts
Thanked 1,619 Times in 685 Posts
Kamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond repute
Re: Broken oven

Does anyone have an article of the law I can quote? I swear we did nothing to cause that damage!

Last edited by Kamarate; 24.02.2015 at 16:53.
Reply With Quote
  #9  
Old 24.02.2015, 16:54
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,750
Groaned at 484 Times in 294 Posts
Thanked 4,000 Times in 1,992 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Broken oven

Quote:
View Post
Does anyone have an article of the law I can quote? I swear we did nothing to cause that damage!

Why don't you simply just ask first instead of quoting the law ?

Incorrectly quoting can lead to animosity and no interest on the part of the landlord to do anything apart from the strict minimum.

You RC insurance will pay anyway, damage to third party.
Reply With Quote
The following 2 users would like to thank Today only for this useful post:
  #10  
Old 24.02.2015, 16:57
Kamarate's Avatar
Forum Veteran
 
Join Date: Jan 2010
Location: Neuchatel
Posts: 1,915
Groaned at 57 Times in 38 Posts
Thanked 1,619 Times in 685 Posts
Kamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond repute
Re: Broken oven

I'm just concerned that my policy won't cover it as honestly I don't understand home insurance. Is it like health insurance where you have a minimum requirement of things that are covered?


I make it no secret that I am a panicker...
Reply With Quote
  #11  
Old 24.02.2015, 17:11
Forum Legend
 
Join Date: Sep 2010
Location: Neuchatel
Posts: 19,366
Groaned at 368 Times in 275 Posts
Thanked 22,372 Times in 10,066 Posts
Odile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond repute
Re: Broken oven

Are you perhaps trying to say that you are in fact not insured?

If you are, just phone them and find out- your French is excellent, so no problem there. And as said, I'd never ever be a tenant in CH without being a member of Asloca for advice, just in such situations.
Reply With Quote
  #12  
Old 24.02.2015, 17:29
Kamarate's Avatar
Forum Veteran
 
Join Date: Jan 2010
Location: Neuchatel
Posts: 1,915
Groaned at 57 Times in 38 Posts
Thanked 1,619 Times in 685 Posts
Kamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond repute
Re: Broken oven

No, I do have home insurance (although not a member of ASLOCA).

Last edited by Kamarate; 24.02.2015 at 21:53.
Reply With Quote
This user would like to thank Kamarate for this useful post:
  #13  
Old 24.02.2015, 17:43
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Was Belgium now Neuchâtel
Posts: 8,210
Groaned at 60 Times in 57 Posts
Thanked 10,234 Times in 4,918 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Broken oven

Calling the insurance and asking them would be the simplest thing to do. Most landlords ask for proof of liability insurance when you rent the place so I'd be very surprised if it wasn't included in your policy.

You can make an appointment at ASLOCA and pay to join at the first appointment if necessary.
Reply With Quote
  #14  
Old 24.02.2015, 17:58
Cata1yst's Avatar
Senior Member
 
Join Date: Feb 2012
Location: Zugish
Posts: 481
Groaned at 16 Times in 8 Posts
Thanked 574 Times in 262 Posts
Cata1yst has a reputation beyond reputeCata1yst has a reputation beyond reputeCata1yst has a reputation beyond reputeCata1yst has a reputation beyond repute
Re: Broken oven

If it was my landlord I'd call him first and explain it exploded after the handle disintegrated. (Plastics fail over time) be honest.

They may replace the entire oven without quibble and no cost to you if it's an old oven (cost more to fix than replace I guess if it's old!) This might be seen as keeping the property in good order then again there are some tight landlords out there.

Otherwise route 2 via insurers.
Reply With Quote
The following 2 users would like to thank Cata1yst for this useful post:
  #15  
Old 24.02.2015, 18:00
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,134
Groaned at 226 Times in 146 Posts
Thanked 5,094 Times in 2,632 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: Broken oven

I wouldn't be claiming on my insurance got that. .. go back to the agent as it's easier for them to say claim on insurance rather than replacing it out of their own pocket. Make sure you clearly tell them the hinge broke
Reply With Quote
This user would like to thank rob1 for this useful post:
  #16  
Old 24.02.2015, 18:02
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Was Belgium now Neuchâtel
Posts: 8,210
Groaned at 60 Times in 57 Posts
Thanked 10,234 Times in 4,918 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Broken oven

Quote:
View Post
If it was my landlord I'd call him first and explain it exploded after the handle disintegrated. (Plastics fail over time) be honest.

They may replace the entire oven without quibble and no cost to you if it's an old oven (cost more to fix than replace I guess if it's old!) This might be seen as keeping the property in good order then again there are some tight landlords out there.

Otherwise route 2 via insurers.
Unless I've completely misunderstood her first post didn't she say she'd contacted the landlord ( agency) and their response was to contact her insurers?
Reply With Quote
The following 2 users would like to thank Belgianmum for this useful post:
  #17  
Old 24.02.2015, 18:02
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Re: Broken oven

Maybe this helps (select language of your choice, probably F (I put in English because EF )

Check the policy of your home contents (Hausrat) insurance. Since the link contains toilet bowls and sinks etc., broken ovens probably also should be insured. But call your insurance comp. to be sure. First them (get their statement in writing if in any way possible), and then do what they say. Good luck

Swisscaution is the wrong route to go as they only cover your rental deposit. Deposit only comes into play when you move in or out of an apartment. When moving in, as a security to the agency/landlord for damages not repaired by the tenant upon moving out (either damages you haven't repaired yourself (Kleinreparatur, see Can I request a new cooker? for further info on when tenants are required to cover these) or damages which you're responsible for but haven't had your insurance (home contents insurance or liability insurance) take care of during your rental).
Since you're (I presume) not planning to move out and not repair before you move out, home contents insurance is the place to call.

If you want to check insurance coverages by yourself, here's e.g. AXA's coverage for one of their models. See page 3 for glass breakage

Also joining asloca might be a good idea for next time. Not that you're not allowed to ask questions here if you're a member but they can help out pretty quickly and efficiently.

Last edited by glowjupiter; 24.02.2015 at 18:41. Reason: Clarification for Kamarate re: which company to call
Reply With Quote
This user would like to thank glowjupiter for this useful post:
  #18  
Old 24.02.2015, 19:04
Kamarate's Avatar
Forum Veteran
 
Join Date: Jan 2010
Location: Neuchatel
Posts: 1,915
Groaned at 57 Times in 38 Posts
Thanked 1,619 Times in 685 Posts
Kamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond reputeKamarate has a reputation beyond repute
Re: Broken oven

BM is right, I have already contacted the agency who were very quick to shirk responsibility.

I'm looking at my policy and it could be so many things but I don't see anything there that resembles ovens (sinks are apparently not covered).

The only thing I can see is in the personal liability insurance which says "Material damages" and the deductible is CHF 200. I guess it could be RC as the oven belongs to the owner, not to us.

GAH I can't bloody ring them as I'm at work and I honestly can't take the time to call (all the time on hold etc). My boyfriend is going to have to ring them. I just hope he can explain and get a clear answer.
Reply With Quote
  #19  
Old 24.02.2015, 19:09
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Re: Broken oven

Quote:
View Post
BM is right, I have already contacted the agency who were very quick to shirk responsibility.

I'm looking at my policy and it could be so many things but I don't see anything there that resembles ovens (sinks are apparently not covered).

The only thing I can see is in the personal liability insurance which says "Material damages" and the deductible is CHF 200. I guess it could be RC as the oven belongs to the owner, not to us.

GAH I can't bloody ring them as I'm at work and I honestly can't take the time to call (all the time on hold etc). My boyfriend is going to have to ring them. I just hope he can explain and get a clear answer.
If your home contents and liability insurances are taken out with the same company, contacting them and asking them which insurance covers the broken oven should be clarified quickly.

How about email since you can't reach them by phone now? That seems like the clearest way to deal with things. Also request their phone availability hours in the email in case your BF can't reach them by phone.

BTW what is RC?
Reply With Quote
  #20  
Old 24.02.2015, 19:40
Big Mara's Avatar
Senior Member
 
Join Date: Mar 2009
Location: Berner Jura
Posts: 339
Groaned at 4 Times in 4 Posts
Thanked 519 Times in 216 Posts
Big Mara has a reputation beyond reputeBig Mara has a reputation beyond reputeBig Mara has a reputation beyond reputeBig Mara has a reputation beyond repute
Re: Broken oven

Hi Kamarata. From what I can see from your photo, you must have a Bosch 60cm oven with full front glass door. Please do not panic, if it is this model, you can simply put a new glass on the front. Or at the worst, change the door.
On the RH side edge of the door are all the ID Numbers you need to order a new one.
If I can help, let me know. I will be in St Blaise on the 25th from 10 - 12pm.
Reply With Quote
The following 4 users would like to thank Big Mara for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Apartment broken into - what is my coverage for the broken balcony door/window? robindesbois Insurance 8 06.01.2011 15:14
Oven cleaner Keith66 Other/general 7 16.02.2010 22:46
Microwave Oven/ Grill Oven Zürich HannahH Free stuff 7 25.10.2009 19:03
Oven size southiemiddles Daily life 3 05.08.2009 17:48


All times are GMT +2. The time now is 22:23.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0