Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #21  
Old 03.10.2015, 20:36
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 902
Groaned at 91 Times in 48 Posts
Thanked 285 Times in 187 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Insurance for apartment rental

Quote:
View Post
This is a free democratic country

Your insurance premium is, as always, based on the amount that you declare.

Obviously in your case it's 2 tenths of sod all, plus the part for solidarity, it will end up costing you less than Chf 100.--, probably more like Chf 50.--. if you declare you have Chf 1'000.--- to insure only.

Insurance pays out no more, and often less, than the amount declared at the start of the police and according to premium paid.........

Maybe get a torch instead of some romantic candle business...
Yeah the problem is I don't want it and this is not really democratic :> I don't like to subsidise bunch of slackers in their marble offices :/ The worst thing is this: I would not be allowed to vote on it as I'm not a Swiss national but the law has to apply to me. It's infuriating and nowhere else this kind of "DEMOCRACY" is practised in Europe :/
Reply With Quote
  #22  
Old 03.10.2015, 21:33
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 902
Groaned at 91 Times in 48 Posts
Thanked 285 Times in 187 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Insurance for apartment rental

I have cooled off now...
Reply With Quote
The following 2 users would like to thank JakubB for this useful post:
  #23  
Old 03.10.2015, 22:03
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,717
Groaned at 483 Times in 293 Posts
Thanked 3,937 Times in 1,966 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: Insurance for apartment rental

Quote:
View Post
Yeah the problem is I don't want it and this is not really democratic :> I don't like to subsidise bunch of slackers in their marble offices :/ The worst thing is this: I would not be allowed to vote on it as I'm not a Swiss national but the law has to apply to me. It's infuriating and nowhere else this kind of "DEMOCRACY" is practised in Europe :/
Not entirely sure we want you here either......
Reply With Quote
The following 2 users would like to thank Today only for this useful post:
This user groans at Today only for this post:
  #24  
Old 03.10.2015, 22:07
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 902
Groaned at 91 Times in 48 Posts
Thanked 285 Times in 187 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Insurance for apartment rental

Quote:
View Post
Not entirely sure we want you here either......
Don't worry, came here after my wife and will happily depart when she's finished here. alas, it will take several years... :/
Reply With Quote
  #25  
Old 04.10.2015, 08:28
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,717
Groaned at 483 Times in 293 Posts
Thanked 3,937 Times in 1,966 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: Insurance for apartment rental

What is democracy for you then, the law was voted by the people of the canton that it affects, how much more democratic can you get ?

Vote each year maybe ?

You as a foreigner have chosen to live here, so, like EVERYBODY else Swiss or foreign, you need to live by the rules that are in place.

Not sure if you know an old BBC sitcom called "Dad's Army", but Captain Mainwaring always say a particular phrase to Private Pike, it escapes me at present but sums up this situation perfectly.....
Reply With Quote
The following 3 users would like to thank Today only for this useful post:
  #26  
Old 04.10.2015, 10:22
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 902
Groaned at 91 Times in 48 Posts
Thanked 285 Times in 187 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Insurance for apartment rental

Quote:
View Post
What is democracy for you then, the law was voted by the people of the canton that it affects, how much more democratic can you get ?

Vote each year maybe ?

You as a foreigner have chosen to live here, so, like EVERYBODY else Swiss or foreign, you need to live by the rules that are in place.

Not sure if you know an old BBC sitcom called "Dad's Army", but Captain Mainwaring always say a particular phrase to Private Pike, it escapes me at present but sums up this situation perfectly.....
Yes, I will live by the rules but don't deny me of right to voice my discontent. It's unjust no matter whether it was voted or not. It's enough to sway majority of fools to make the other half of wise to live by the foolish law. Period and let's finish the topic already.

Edit:

I kindly ask a moderator of this board to move all post from 12 onwards to the complain corner or remove them entirely whatsoever. It has quickly escalated to off topic proportions.

Last edited by JakubB; 04.10.2015 at 11:23.
Reply With Quote
This user would like to thank JakubB for this useful post:
  #27  
Old 04.10.2015, 12:49
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,717
Groaned at 483 Times in 293 Posts
Thanked 3,937 Times in 1,966 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: Insurance for apartment rental

Quote:
View Post
Yes, I will live by the rules but don't deny me of right to voice my discontent. It's unjust no matter whether it was voted or not. It's enough to sway majority of fools to make the other half of wise to live by the foolish law. Period and let's finish the topic already.

Edit:

I kindly ask a moderator of this board to move all post from 12 onwards to the complain corner or remove them entirely whatsoever. It has quickly escalated to off topic proportions.
What is insurance if it is not solidarity. Your poxy premium you pay certainly won't pay for the damages you suffer. Take anything, health insurance, car insurance, whatever.

Your premium goes into a pool with everybody else's and the insurance company hopes that the payouts in total are less than the premiums received.

As for you requesting posts be removed, who exactly do you think you are ?
Reply With Quote
  #28  
Old 04.10.2015, 13:38
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,728
Groaned at 209 Times in 181 Posts
Thanked 11,039 Times in 6,261 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Insurance for apartment rental

Quote:
View Post
Don't worry, came here after my wife and will happily depart when she's finished here. alas, it will take several years... :/
I doubt you will be missed.
Reply With Quote
  #29  
Old 04.10.2015, 15:44
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: Insurance for apartment rental

Quote:
View Post
I kindly ask a moderator of this board to move all post from 12 onwards to the complain corner or remove them entirely whatsoever. It has quickly escalated to off topic proportions.
In post #13 I gave you a very long explanation as to which insurance covers what. In following posts, you got clarifications from other posters as to what this means for your situation as a renter: insuring your household items. Quite on topic, I think. Threads derail often on EF, and if mods were to split every thread into multiple pieces they'd probably not sleep at night. Perhaps a mod will understand what you would like and split the thread, though.

As for "unjust", "foolish" and "subsidizing slackers", what one feels is unjust or foolish others feel is just or useful- and vice versa. You will never, no matter where you move to, find a place where EVERYTHING is the way you want it. If there were no agreement upon a certain set of pros and cons to issues in a community, we'd be at war constantly with people saying "But I..." and wouldn't get anywhere. Just look at the EF with its many thousand members: it would be mayhem if posters and mods didn't help keep it organized.

Last edited by glowjupiter; 04.10.2015 at 17:19. Reason: clarification
Reply With Quote
The following 2 users would like to thank glowjupiter for this useful post:
  #30  
Old 04.10.2015, 20:00
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 537
Groaned at 6 Times in 4 Posts
Thanked 307 Times in 195 Posts
catandmouse has earned some respectcatandmouse has earned some respect
Re: Insurance for apartment rental

The state run fire insurance in the canton of Vaud (ECA) is obligatory, both for the buildings (in case you are an owner) and for belongings. Financially, it's a pretty good deal as the premiums are low. The commercial insurances will exclude fire insurance from policies in the canton of Vaud because of the state run scheme (and reduce premiums accordingly). The ECA also finances fire protection.
Is it good? Well up to everyone to decide, but it was approved democratically and most Vaudois are happy with the scheme, so if you choose to live here, that's the way it is. One of the main advantages of being in Switzerland is the right to choose where to live, to vote on issues such as compulsory fire insurance.
Finally, I believe a few other cantons have their own cantonal fire insurance systems.
Reply With Quote
The following 2 users would like to thank catandmouse for this useful post:
  #31  
Old 04.10.2015, 21:23
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,096
Groaned at 924 Times in 720 Posts
Thanked 19,632 Times in 9,447 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance for apartment rental

Quote:
View Post
What is insurance if it is not solidarity. Your poxy premium you pay certainly won't pay for the damages you suffer. Take anything, health insurance, car insurance, whatever.
Indeed, but we still voted against obligatory health insurance 20 years ago.

Tom
Reply With Quote
  #32  
Old 04.10.2015, 21:29
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,717
Groaned at 483 Times in 293 Posts
Thanked 3,937 Times in 1,966 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: Insurance for apartment rental

Quote:
View Post
Indeed, but we still voted against obligatory health insurance 20 years ago.

Tom
??????? and there i was thinking health insurance was obligatory here, on a federal level too.
Reply With Quote
  #33  
Old 04.10.2015, 21:33
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,096
Groaned at 924 Times in 720 Posts
Thanked 19,632 Times in 9,447 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance for apartment rental

Quote:
View Post
??????? and there i was thinking health insurance was obligatory here, on a federal level too.
It is, since '96.

But we (me, wife, most people I know) voted against it.

Tom
Reply With Quote
  #34  
Old 05.10.2015, 09:52
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 3,026
Groaned at 99 Times in 79 Posts
Thanked 3,747 Times in 1,937 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: Insurance for apartment rental

Quote:
View Post
What is insurance if it is not solidarity. Your poxy premium you pay certainly won't pay for the damages you suffer. Take anything, health insurance, car insurance, whatever.

Your premium goes into a pool with everybody else's and the insurance company hopes that the payouts in total are less than the premiums received.

As for you requesting posts be removed, who exactly do you think you are ?
While there may be an element of solidarity (e.g. health insurance), insurance fundamentally has nothing to do with solidarity - it is based on risk-adjusted premiums (or should be, perhaps rather).

The organisation handling/providing the insurance causes significant costs, hence all insured combined will never get 100% of what they paid.
Reply With Quote
The following 2 users would like to thank Urs Max for this useful post:
  #35  
Old 05.10.2015, 10:07
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,717
Groaned at 483 Times in 293 Posts
Thanked 3,937 Times in 1,966 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: Insurance for apartment rental

Quote:
View Post
It is, since '96.

But we (me, wife, most people I know) voted against it.

This confirms it Tom, you don't know the majority ! I think, unfortunately, we will end up with one insurance provider, a bit like NHS in time to come

Tom
Quote:
View Post
While there may be an element of solidarity (e.g. health insurance), insurance fundamentally has nothing to do with solidarity - it is based on risk-adjusted premiums (or should be, perhaps rather).

The organisation handling/providing the insurance causes significant costs, hence all insured combined will never get 100% of what they paid.
Of course not, but they work on the principal that not everybody who pays makes a claim.

For example i pay health insurance of about Chf 3k/year, i had a complex operation couple years back that cost around Chf 75k. My car insurance costs Chf 2.2k, the car new book price was in excess of Chf 200k.

Last edited by Today only; 05.10.2015 at 13:05.
Reply With Quote
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
Excess insurance for rental cars Iggy Insurance 31 28.12.2015 13:19
Rental Insurance Trickett Insurance 3 17.10.2012 14:47
Rental guarantee insurance 360Rob430 Housing in general 5 13.07.2010 13:42
Burgdorf, 2 room apartment for rental LisaBE Property wanted 2 11.09.2007 13:24
minimum ceiling height for a rental apartment suffolk911 Housing in general 1 30.05.2007 12:14


All times are GMT +2. The time now is 20:41.


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