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?

Liability insurance / Haftpflicht? Well worth having, a tiny accident can have huge cost

Wanna go to my house and break a few things?

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.

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.

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.