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Old 20.10.2015, 18:30
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Which insurance would reimburse for a stolen bag?

Hello,

I thought I lost my bag and cancelled all my debit cards, credit cards and Mobility card immediately. It cost 60 chf to replace my UBS debit card and 25 chf to replace the Mobility card. The good news is that I just found my bag from the polizei with everything in it. I called UBS to see IF I can cancel the replacement to save the 60 chf. They said it can't be cancelled, but I could get the money reimbursed through an insurance for a theft since I have a police report. I asked the customer service agent what insurance he was referring to, and he said it's an insurance everyone living in Switzerland should have (he gave me the name of it in German, but of course I wouldn't understand or write it down).

So, does anyone know what insurance he was talking about? Only insurance I know that I am required to have is the health insurance and the accident insurance. Does a home insurance cover theft that happened outside of home?

Thanks.
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Old 20.10.2015, 18:53
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Re: Which insurance would reimburse for a stolen bag?

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Does a home insurance cover theft that happened outside of home?
Yes, he was talking about home insurance.
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Old 20.10.2015, 19:03
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Re: Which insurance would reimburse for a stolen bag?

Wow. I didn't know home insurance would cover such incidents as well. Unfortunately, I haven't applied for a home insurance yet, so I'm not covered for this incident, but good to know for the future.
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Old 20.10.2015, 19:07
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Re: Which insurance would reimburse for a stolen bag?

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Wow. I didn't know home insurance would cover such incidents as well. Unfortunately, I haven't applied for a home insurance yet, so I'm not covered for this incident, but good to know for the future.
Household insurance covers this, IF you have coverage for "Einfacher Diebstahl auswärts" in your insurance policy. This is not automatically included in household insurance coverages, so check your policy and inform your insurance provider. You need to inform the insurance provider immediately or they might refuse to pay.
Note that you'll probably have to pay a retention fee (Selbstbehalt) of about CHF 200.-, depending on your insurance policy, at any rate.
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