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Old 03.06.2019, 07:33
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Re: Replacement Apartment Key?

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Do you have contents and liability insurance? If so, the replacement key should be covered. I lost not one but two keys back to back and both were covered under my personal liability plan.

Good luck!
Our insurance company advised us not to pay for the lost keys to the landlord, which was a company too. But if we didn't pay (700 chf) we couldn't get the rest of the deposit (7000 chf) and that would have been stupid. Normally, they should cover for our keys but I don't expect we'll see those money back. This thing with insurances here....you're paying and paying up to your nose for everything...and for what.
I think you're the only person (that I heard of) who got those money back. I don't expect to see any money back from those jerks.
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  #22  
Old 03.06.2019, 13:20
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Re: Replacement Apartment Key?

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Hi Edwin,

Please see/reference the link below. If a "family member causes damage" OP, provided they had insurance, would be indemnified:

https://www.helloswitzerland.ch/-/th...ents-insurance
Rely on info from that site at your own peril, the linked page alone contains at least two errors:
- there's no such thing as mandatory private 3rd party liability insurance
- such an insurance doesn't cover all damage accidentally caused to 3rd parties, car accidents for instance are not covered
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  #23  
Old 03.06.2019, 13:29
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Re: Replacement Apartment Key?

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Rely on info from that site at your own peril, the linked page alone contains at least two errors:
- there's no such thing as mandatory private 3rd party liability insurance
- such an insurance doesn't cover all damage accidentally caused to 3rd parties, car accidents for instance are not covered
I don't like those "expatblogs" they way to often contain mistakes/false information or only tell half the story. Also nobody guarantees that the info will be updated when things change, and the article is not even dated so could be from last century.
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Old 03.06.2019, 22:37
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Re: Replacement Apartment Key?

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Our insurance company advised us not to pay for the lost keys to the landlord, which was a company too. But if we didn't pay (700 chf) we couldn't get the rest of the deposit (7000 chf) and that would have been stupid. Normally, they should cover for our keys but I don't expect we'll see those money back. This thing with insurances here....you're paying and paying up to your nose for everything...and for what.
I think you're the only person (that I heard of) who got those money back. I don't expect to see any money back from those jerks.
Well getting the money back was no easy feat! My insurance company (Baloise) tried to amortize the cost of lock replacement based on the years my Landlord had it installed initially. As such, they only paid CHF 500 of the CHF 1200 bill. I was a little shocked that any insurance company would amortize a lock (as a former banker, a car I get, in terms of depreciation/amortization - but a lock??) Anyway, this is not the US and we are in Switzerland so I get that too.

Thankfully, I have a really nice relationship with my landlord (who lives above me) and she, too was shocked that my insurance company did not pay the full amount. She contacted her insurance company (de Mobiliar) and they said they would have paid for the entire lock replacement. And so I used that as ammunition and called Baloise again, and finally spoke with a rep who understood my frustration. I told him their policy was compromising my relationship with my Landlord. If I had not lost my keys, the landlord would not have to replace the locks.

And then I said, my mistake was ever taking out a policy with Baloise as their competitor, de Mobiliar, does not amortize for lock replacement. He spoke with his manager and then told me they would cover the entire cost. Note that this took at least 2 months to resolve and unlike you, Greenmount, I was still staying in our residence and was not moving.

Like you, I am not the biggest fan of insurance companies as many times, they will do anything not to pay. It took a lot of time, but I am happy I was able to speak with someone at my insurance company who "got" it. Not always the case..sad but true!
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Old 03.06.2019, 22:59
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Re: Replacement Apartment Key?

If you haven't notified your landlord yet:

I wrote this before but I heard from a colleague that the key cutter in Zug in the basement of Metali in Zug will cut these keys. The issue apparently (from key cutter perspective) is not to do with security but a patent which is no longer relevant. Story goes that the company in question sued him, he won in court and cuts these keys.. Have never verified this myself and I'm not sure if the person tried it last time I mentioned it but maybe give him a call and see if he can replace!

all the best.
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Old 06.06.2019, 10:23
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Re: Replacement Apartment Key?

Hi there, sorry about the keys. Perhaps you could contact your liability insurance and inquire about coverage. Best of luck 🙏
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Old 06.06.2019, 10:40
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Re: Replacement Apartment Key?

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Hi there, sorry about the keys. Perhaps you could contact your liability insurance and inquire about coverage. Best of luck 🙏



What you trying to sell apart from fluff ?
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