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05.03.2019, 20:28
| Junior Member | | Join Date: May 2013 Location: Lausanne
Posts: 51
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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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05.03.2019, 20:32
|  | Moderately Dutch | | Join Date: May 2011 Location: Zurich
Posts: 11,820
Groaned at 387 Times in 325 Posts
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| | Re: Is the Generali insurance worth it? | Quote: | |  | | |
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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05.03.2019, 20:34
| Senior Member | | Join Date: Jul 2014 Location: VD
Posts: 312
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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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05.03.2019, 21:02
|  | Forum Legend | | Join Date: Oct 2006 Location: canton ZH
Posts: 13,131
Groaned at 218 Times in 182 Posts
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| | Re: Is the Generali insurance worth it? | Quote: | |  | | | 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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05.03.2019, 21:09
| Junior Member | | Join Date: May 2013 Location: Lausanne
Posts: 51
Groaned at 12 Times in 7 Posts
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| | Re: Is the Generali insurance worth it? | Quote: | |  | | | 
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. | 
05.03.2019, 21:15
|  | Forum Legend | | Join Date: Oct 2006 Location: canton ZH
Posts: 13,131
Groaned at 218 Times in 182 Posts
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| | Re: Is the Generali insurance worth it? | Quote: | |  | | | 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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05.03.2019, 23:44
| | 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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