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Old 05.03.2019, 21:28
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Is the Generali insurance worth it?

I got last week a facture + reminder to pay 100.- plus 10.- for a delay.

I called thinking it was house insurance, and if I could ask for payment plan, and along the way to ask what exactly is this thing I have been paying for 6 years, it turns out the insurance type is, for property damage, as in if I go to someone else's house and break something.

Not health, not car insurance, not on my own house ... I find this absurd.

Apparently, I signed the contract for 10 years back when I arrived here and could not even recite the French alphabets. Something must have happened, otherwise I would never consent to it. Now I am writing a letter to cease the contract, which is possible after a review ... as I am told.


Anyway, I don't think this is justified. I have been hear for many years, and I can't even find a friend (most likely will never will) let alone go to their house and break something.

So, what do you think EF? 100/ year may not seem much but I am tight on cash, also this type of insurance doesn't sound sound

what ya think?
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Old 05.03.2019, 21:32
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Re: Is the Generali insurance worth it?

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I called thinking it was house insurance, and if I could ask for payment plan, and along the way to ask what exactly is this thing I have been paying for 6 years, it turns out the insurance type is, for property damage, as in if I go to someone else's house and break something.
Liability insurance / Haftpflicht? Well worth having, a tiny accident can have huge cost
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Old 05.03.2019, 21:34
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Re: Is the Generali insurance worth it?

Wanna go to my house and break a few things?
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Old 05.03.2019, 22:02
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Re: Is the Generali insurance worth it?

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I got last week a facture + reminder to pay 100.- plus 10.- for a delay.

I called thinking it was house insurance, and if I could ask for payment plan, and along the way to ask what exactly is this thing I have been paying for 6 years, it turns out the insurance type is, for property damage, as in if I go to someone else's house and break something.

Not health, not car insurance, not on my own house ... I find this absurd.

Apparently, I signed the contract for 10 years back when I arrived here and could not even recite the French alphabets. Something must have happened, otherwise I would never consent to it. Now I am writing a letter to cease the contract, which is possible after a review ... as I am told.


Anyway, I don't think this is justified. I have been hear for many years, and I can't even find a friend (most likely will never will) let alone go to their house and break something.

So, what do you think EF? 100/ year may not seem much but I am tight on cash, also this type of insurance doesn't sound sound

what ya think?

gallows humour?

As to your question: It's about the only insurance that is not absurd. It's bad enough to break someone elses thing but to tell him "suck it up, I don't have money to replace it" is .... nasty?

By the way, when looking for a flat, they usually insist you have this insurance.
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Old 05.03.2019, 22:09
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Re: Is the Generali insurance worth it?

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gallows humour?

As to your question: It's about the only insurance that is not absurd. It's bad enough to break someone elses thing but to tell him "suck it up, I don't have money to replace it" is .... nasty?

By the way, when looking for a flat, they usually insist you have this insurance.
I never said I would tell people to suck it up. I will make sure to pay in full, I just prefer it that way.

Actually, before even knowing I had this insurance, about 2 years ago my friends iphone slipped out of my hand when we were drunk and I paid about 120 for the repair, I didn't know I had this type of insurance then.

Anyway, that is all to say I am not that type of person and I never said that in my text. You don't need to make things up, just stick to the answer if you can.
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Old 05.03.2019, 22:15
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Re: Is the Generali insurance worth it?

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I never said I would tell people to suck it up. I will make sure to pay in full, I just prefer it that way.

Actually, before even knowing I had this insurance, about 2 years ago my friends iphone slipped out of my hand when we were drunk and I paid about 120 for the repair, I didn't know I had this type of insurance then.

Anyway, that is all to say I am not that type of person and I never said that in my text. You don't need to make things up, just stick to the answer if you can.
Sorry, I assumed, someone who needs a payment plan for Fr. 110.00 may not be able to replace an expensive item.

<<I got last week a facture + reminder to pay 100.- plus 10.- for a delay.

I called thinking it was house insurance, and if I could ask for payment plan>>

My bad. Even putting the non-assumption thing into my signature doesn't stop me from making conclusions.

As to your situation now: As you are already late to pay it, you missed the cancelation period, so you can cancel it next year.
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Old 06.03.2019, 00:44
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Re: Is the Generali insurance worth it?

That insurance also covers if you trip on the stairs on the station, take down 5 people of which 2 breaks their leg and one have has her knee wrecked for live and another one breaks his back ending up in a wheelchair. Total costs easily over one million leaving you bankrupt till death death unless you flee to a country which has no treaty's with Switzerland.
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