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Old 05.05.2019, 10:29
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Replacement Apartment Key?

hello all, My Parents visited last year and then accidentally took my key home where they then lost it. It is one of five so no issues for me there but I am having difficulty trying to get a replacement and I was also told that the replacement fee is very expensive when returning the apartment. Does anyone have any advice on how to get a some relief on this? Thank you,
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Old 05.05.2019, 17:58
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Re: Replacement Apartment Key?

Since it was lost out of the country there is no risk of it being indentified with the flat and there should be no question of having to replace the cylinders. If the agent is asking too much for a replacement, then try going direct to the manufacturer or take a quick trip to France and get it copied.
Your insurance would hopefully cover this in any case.
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Old 05.05.2019, 18:10
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Re: Replacement Apartment Key?

If you signed for 5 keys, you will have to return 5 keys. Secure keys are almost impossible to copy and no reputable service in Switzerland will.

Replacement keys run into 100s of francs. I'd get your parents to take another look...
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Old 05.05.2019, 19:38
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Re: Replacement Apartment Key?

When I lost my 2 DOM keys, I called the regie, got sent a replacement order, took it to the locksmith and got new keys, 65chf for both.
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Old 05.05.2019, 20:15
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Re: Replacement Apartment Key?

If the key only opens your apartment door, you should be OK.

But if the keys open the front door to the building, access from the garage, the rubbish bins, etc. It could be more challenging ...
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Old 02.06.2019, 11:24
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Re: Replacement Apartment Key?

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If the key only opens your apartment door, you should be OK.

But if the keys open the front door to the building, access from the garage, the rubbish bins, etc. It could be more challenging ...
Thanks, it opens everything.... post box, door, access doors, thank you
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Old 02.06.2019, 11:25
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Re: Replacement Apartment Key?

Thank you, sadly it is looking like i have to replace all....
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Old 02.06.2019, 13:58
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Re: Replacement Apartment Key?

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!
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Old 02.06.2019, 14:14
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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!
Also If he lends it out himself and the 3rd party loses the key?
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Old 02.06.2019, 20:09
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Re: Replacement Apartment Key?

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Also If he lends it out himself and the 3rd party loses the key?
Well, here is my issue with insurance as a whole. You are basically "betting" against yourself. In my case, liability insurance was a great hedge - given my lapse re: keys and I also have a dog (not great for wood floors).

With regard to OP, all she/he has to tell the insurance company is that the key is lost. He/she alone is indemnified for this loss. No need to state how it was lost but it is no longer there and he/she cannot find it. If he/she has insurance, it should be reimbursed.
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Old 02.06.2019, 21:10
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Re: Replacement Apartment Key?

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Well, here is my issue with insurance as a whole. You are basically "betting" against yourself. In my case, liability insurance was a great hedge - given my lapse re: keys and I also have a dog (not great for wood floors).

With regard to OP, all she/he has to tell the insurance company is that the key is lost. He/she alone is indemnified for this loss. No need to state how it was lost but it is no longer there and he/she cannot find it. If he/she has insurance, it should be reimbursed.
And this ladies and gentlemen is why we pay more than needed for insurances.
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Old 02.06.2019, 21:13
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Re: Replacement Apartment Key?

Really?? I pay CHF 250 for contents and liability insurance. Is that egregious in your view?
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Old 02.06.2019, 21:16
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Re: Replacement Apartment Key?

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Really?? I pay CHF 250 for contents and liability insurance. Is that egregious in your view?
More than needed does not equal egregious. And if people would stop committing fraude I'd pay less.
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Old 02.06.2019, 21:20
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Re: Replacement Apartment Key?

I don't believe Op's issue constitutes fraud legally. Although insurance companies will use any reason they can NOT to pay. At the end of the day, he/she alone is indemnified regarding his/her lapse. In this case, it was giving a key out to her parents who lost the key. She alone is responsible for providing 5 keys on the apartment turnover - not her parents...
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Old 02.06.2019, 21:25
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Re: Replacement Apartment Key?

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I don't believe Op's issue constitutes fraud legally. Although insurance companies will use any reason they can NOT to pay. At the end of the day, he/she alone is indemnified regarding his/her lapse. In this case, it was giving a key out to her parents who lost the key. She alone is responsible for providing 5 keys on the apartment turnover - not her parents...
Saying you lost something yourself while in fact you did lend it out to a 3rd party who lost it is fraude.

No more, no less.
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Old 02.06.2019, 21:31
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Re: Replacement Apartment Key?

Legally speaking, the keys are under your jurisdiction/care. You chose to give a key to someone who lost them accidentally. Your choice/your liability. Sorry Edwin..but I disagree. Not fraud at all...!
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Old 02.06.2019, 21:40
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Re: Replacement Apartment Key?

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Legally speaking, the keys are under your jurisdiction/care. You chose to give a key to someone who lost them accidentally. Your choice/your liability. Sorry Edwin..but I disagree. Not fraud at all...!
Two questions:

1. For what does a personal liability insurance offer coverage?
2. Who caused the damage?

How can you not even understand something so simple? you really do want to read your T&C before posting any further.
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Old 02.06.2019, 21:51
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Re: Replacement Apartment Key?

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Two questions:

1. For what does a personal liability insurance offer coverage?
2. Who caused the damage?

How can you not even understand something so simple? you really do want to read your T&C before posting any further.
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
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Old 02.06.2019, 21:55
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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
sigh...

OP does not share a household with his parents so irrelevant.
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Old 02.06.2019, 22:22
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Re: Replacement Apartment Key?

You are right Edwin. Just checked my policy and all must be living in the household for the insurance policy to take effect. My bad as they say...
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