Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #81  
Old 22.06.2011, 19:26
Ittigen
 
Posts: n/a
Re: Am I the only one with no Hausrat Versicherung?

If your home electronics and furniture are more than a few years old you don't need insurance. They will never pay out the new value, and you always have to pay the first SFr 200 or similar, it really isn't worth it.

3rd party insurance (Haftpflicht-Versicherung) and the 3rd party bicycle Vignette insurance, are really necessary though.
Reply With Quote
The following 3 users would like to thank for this useful post:
  #82  
Old 22.06.2011, 19:42
KeinFranzösisch's Avatar
Forum Veteran
 
Join Date: Dec 2010
Location: Washington, DC
Posts: 2,198
Groaned at 63 Times in 38 Posts
Thanked 2,549 Times in 1,115 Posts
KeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
My colleagues looked at me like I were from an alien planet of a distant galaxy when I mentioned that I didn't have Hausrat Versicherung (home insurance).
They (for the first time seemed concerned about me) asked what I would do if somebody breaks in an steals all my stuff...or if a fire would break out and burn all my belongings...etc. I just shrugged it off and told em that I'll get some new stuff. Is the notion of not having insurance that outlandish?
I never had it on a rental until I came here.

What kind of insurance would I need to have if I was breaking into my neighbor's apartment and I cut myself on the broken glass?
If it's a deep cut and requires stitches, would it be covered by my employer's accident insurance, my health insurance, or by my neighbor's liability insurance?

Just curious.

Last edited by KeinFranzösisch; 22.06.2011 at 20:26.
Reply With Quote
This user would like to thank KeinFranzösisch for this useful post:
  #83  
Old 22.06.2011, 20:20
KeinFranzösisch's Avatar
Forum Veteran
 
Join Date: Dec 2010
Location: Washington, DC
Posts: 2,198
Groaned at 63 Times in 38 Posts
Thanked 2,549 Times in 1,115 Posts
KeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond reputeKeinFranzösisch has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
lets step back and try to build a picture of Mr. LiB
.
doesn't believe in Christmas, or associated trappings
doesn't believe in Valentines Day, or associated trappings
in fact doesn't believe in any of the social norms of card-gift giving.
doesn't believe in paying train fares and has been known to duck into the toilets to avoid detection
now doesn't buy home insurance or accident cover?

what are you one of them commie pinko types?
My kind of guy!
Reply With Quote
This user would like to thank KeinFranzösisch for this useful post:
  #84  
Old 22.06.2011, 21:14
adrianlondon's Avatar
Forum Legend
 
Join Date: Nov 2009
Location: Basel
Posts: 9,131
Groaned at 170 Times in 153 Posts
Thanked 25,643 Times in 6,892 Posts
adrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

I don't believe in most insurances - I "self insure" - but here in Switzerland I've had to do differently.

I've got the private liability imsurance as everyone in this country expects you to have it and hence would sue me if I did anything wrong, even if not my fault. Catch 22. I *think* it's also compulsory for me to get it in my apartment tenancy agreement.

I have house insurance, despite not owning much of value, because this is compulsory in my tenancy agreement. I believe, unlike the UK, I'm responsible if someone breaks in and damages stuff not belonging to me (such as the door!). Seems crazy but my landlord was insistent. Or maybe I just drop something and smash the sink/bath. At Swiss prices I'd not want to pay for the repairs myself.
Reply With Quote
  #85  
Old 22.06.2011, 21:21
Guest
 
Posts: n/a
Re: Am I the only one with no Hausrat Versicherung?

Agreed, self-insurance does make sense in many cases. A friend of mine put a certain amount in a bank account every month for health (eg if he wanted to go private) and house insurance- and he was adamant that he got a much better 'return' that way. But not for liability insurance that can go into 1000000000.
Reply With Quote
The following 2 users would like to thank for this useful post:
  #86  
Old 22.06.2011, 21:46
jmf's Avatar
jmf jmf is offline
Forum Veteran
 
Join Date: Apr 2010
Location: Cham, ZG
Posts: 1,017
Groaned at 9 Times in 9 Posts
Thanked 887 Times in 444 Posts
jmf has a reputation beyond reputejmf has a reputation beyond reputejmf has a reputation beyond reputejmf has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Two quick questions:
1. When moving out of a rented apartment, if the landlord finds "problems", can you have them fixed on haftpflicht? E.g. scratched stove, wall needing repainting etc; provided of course none of these was written down as preexisting damage when I moved in. If haftpflicht indeed covers there, does one have to pay upfront and then later get the money from the insurer or does the insurer pay directly?
2. When moving to another apartment, can the insurance be moved? Or need I do another one from scratch?
Reply With Quote
  #87  
Old 22.06.2011, 22:00
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,778
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
I have house insurance, despite not owning much of value, because this is compulsory in my tenancy agreement.
What do you mean with "house insurance"? Hausrat? This insurance won't cover any damage on third party property. Only stuff that is your own is covered. It is possible but very unusual that your landlord forces you to have a special glass break insurance and you have to assume liability if somebody else (burglar, footballing kids) breaks one of your windows.
http://www.hev-zuerich.ch/ms-zeitsch...-200109-08.htm
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #88  
Old 22.06.2011, 22:13
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,778
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
Two quick questions:
1. When moving out of a rented apartment, if the landlord finds "problems", can you have them fixed on haftpflicht? E.g. scratched stove, wall needing repainting etc;
If it is not from usual use or wear it is covered. Yellow stained walls from smoking - not covered. Wine stain on carpet - covered. Now a classic: Watering a plant and a always spilling some water on the carpet until its moldy and green - Not covered. Kids doodling once on the wall - covered. Kids always doodling on the wall - not covered. Discoloration were frames hanged on the wall - not covered. Smashed sink - covered. Some unknown bloke smashing your toilet bowl during wild party - not covered. You smashing the bowl - covered.

Quote:
View Post
2. When moving to another apartment, can the insurance be moved?
Yes, just talk with your insurance company.
Reply With Quote
  #89  
Old 22.06.2011, 23:20
adrianlondon's Avatar
Forum Legend
 
Join Date: Nov 2009
Location: Basel
Posts: 9,131
Groaned at 170 Times in 153 Posts
Thanked 25,643 Times in 6,892 Posts
adrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond reputeadrianlondon has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
What do you mean with "house insurance"? Hausrat?
Yep

Quote:
Der Mieter ist ab Mietbeginn zum Abschluss einer Privat-bzw. Mieterhaftpflichtversicherung verpflichtet. Sowie einer Hausratversicherung zur Abdeckung von Schaeden an Scheiben u. Vorrichtungen aus Glas sowie Lavabo, WC, Bad, Glaskeramikkochfeld in Mietobject. Er ist verpflichtet diese Risiken durch eine Neuwert-Versicherung abzudecken.
Is in my contract. So as you say, it's all about glass (and porcelain, I assume).

Comparis.ch states ....
Quote:
Tenants do not need building glass insurance. This also applies for possible supplementary insurances for washbasins, sinks, closets, bidets, glass ceramic cookers and kitchen worktops made of natural or artificial stone.
Property owners, however, are owners of the building glass and should additionally take out this insurance.
But it seems my landlord is passing that on to me as a requirement. I guess I could just insure the "glass" stuff and not the contents but once I'm getting the insurance the price differential is small.
Reply With Quote
  #90  
Old 22.06.2011, 23:44
kodokan's Avatar
Forum Veteran
 
Join Date: Jan 2008
Location: Phoenix AZ, USA
Posts: 1,299
Groaned at 1 Time in 1 Post
Thanked 930 Times in 460 Posts
kodokan has a reputation beyond reputekodokan has a reputation beyond reputekodokan has a reputation beyond reputekodokan has a reputation beyond reputekodokan has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
Who's Jenny?
Freelance, non-tied insurance broker who's a member of EF and has proven to be very helpful for many members, me included:

http://www.englishforum.ch/members/610-jenny.html

She's English, so won't automatically sell you a load of Chicken Licken 'the sky is falling, the sky is falling!' Swiss paranoia insurance, but will get you appropriate cover for the best price if you decide to go down that route.
Reply With Quote
This user would like to thank kodokan for this useful post:
  #91  
Old 24.06.2011, 14:54
lost_inbroad's Avatar
Forum Legend
 
Join Date: Dec 2009
Location: Town or region
Posts: 11,491
Groaned at 655 Times in 417 Posts
Thanked 16,388 Times in 6,379 Posts
lost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Just a quick question:
The other day, I wanted to discard a bed, which I didn't use anymore. It's a heavy clunker and therefore, I couldn't bother with dragging it downstairs as I live on the 2nd floor. I tossed it over the balcony on to the lawn. When I went to collect the bed, I noticed the people living on the main floor smoking on the balcony. My question now, what if the leg of the bed came loose and somehow decapitated all 3 of them. Would my liability insurance have covered everything?
Reply With Quote
This user would like to thank lost_inbroad for this useful post:
  #92  
Old 24.06.2011, 14:56
jrspet's Avatar
Forum Legend
 
Join Date: Jul 2007
Location: Quaint Wädenswil, Zürich, CH
Posts: 8,131
Groaned at 27 Times in 20 Posts
Thanked 7,036 Times in 3,912 Posts
jrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Causing accidental death by acting negligently .. might be a criminal thingy. Rechtsschutz is what you need.
Reply With Quote
  #93  
Old 24.06.2011, 14:56
lost_inbroad's Avatar
Forum Legend
 
Join Date: Dec 2009
Location: Town or region
Posts: 11,491
Groaned at 655 Times in 417 Posts
Thanked 16,388 Times in 6,379 Posts
lost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
Causing accidental death by acting negligently .. might be a criminal thingy. Rechtsschutz is what you need.
Ah....and that's the 200/year thingy?
Reply With Quote
  #94  
Old 24.06.2011, 15:04
jrspet's Avatar
Forum Legend
 
Join Date: Jul 2007
Location: Quaint Wädenswil, Zürich, CH
Posts: 8,131
Groaned at 27 Times in 20 Posts
Thanked 7,036 Times in 3,912 Posts
jrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond reputejrspet has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Can't recall how much but a few posts back I did post a Comparis link for rates and providers. Watch out for the exceptions / gotchas.
Reply With Quote
  #95  
Old 24.06.2011, 15:28
amogles's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Zurich
Posts: 12,361
Groaned at 340 Times in 276 Posts
Thanked 26,264 Times in 11,001 Posts
amogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
Just a quick question:
The other day, I wanted to discard a bed, which I didn't use anymore. It's a heavy clunker and therefore, I couldn't bother with dragging it downstairs as I live on the 2nd floor. I tossed it over the balcony on to the lawn. When I went to collect the bed, I noticed the people living on the main floor smoking on the balcony. My question now, what if the leg of the bed came loose and somehow decapitated all 3 of them. Would my liability insurance have covered everything?
You're not allowed to kill any neighbours after 10pm because of the noise it makes. No insurance will protect you against that.
Reply With Quote
This user would like to thank amogles for this useful post:
  #96  
Old 24.06.2011, 15:28
mirfield's Avatar
Moddy Wellies
 
Join Date: Apr 2007
Location: North Yorkshire
Posts: 8,728
Groaned at 53 Times in 47 Posts
Thanked 9,937 Times in 3,652 Posts
mirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
My question now, what if the leg of the bed came loose and somehow decapitated all 3 of them. Would my liability insurance have covered everything?
Decapitate all three of them; not a problem. Just give me a call. I'll come over and help.

Leave one alive? Well, then it starts to get complicated.
Reply With Quote
This user would like to thank mirfield for this useful post:
  #97  
Old 24.06.2011, 15:31
lost_inbroad's Avatar
Forum Legend
 
Join Date: Dec 2009
Location: Town or region
Posts: 11,491
Groaned at 655 Times in 417 Posts
Thanked 16,388 Times in 6,379 Posts
lost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
Decapitate all three of them; not a problem. Just give me a call. I'll come over and help.

Leave one alive? Well, then it starts to get complicated.
Thanks, I knew that I could count on you....but please, no funny business with the corpses.
Reply With Quote
  #98  
Old 24.06.2011, 15:32
amogles's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Zurich
Posts: 12,361
Groaned at 340 Times in 276 Posts
Thanked 26,264 Times in 11,001 Posts
amogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond reputeamogles has a reputation beyond repute
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
Thanks, I knew that I could count on you....but please, no funny business with the corpses.
Isn't there a thread somewhere where you can post pictures of the things folks cook and bake in Switzerland?
Reply With Quote
The following 2 users would like to thank amogles for this useful post:
  #99  
Old 18.07.2011, 14:21
Newbie 1st class
 
Join Date: Mar 2011
Location: Zurich
Posts: 15
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 4 Posts
pressed has no particular reputation at present
Re: Am I the only one with no Hausrat Versicherung?

Quote:
View Post
...
But it is a bit like an old smoker saying: "You see, this whole lung cancer thing is a myth..." having survived a lifetime of smoking 20 a day. Hindight is always 20/20.
...
This is a great point, and really answers the question of the thread... this idea + calculating the total value of my belongings will let me decide what insurance I need myself.
Reply With Quote
  #100  
Old 19.03.2012, 00:45
Newbie 1st class
 
Join Date: Mar 2012
Location: Zug
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
fabioqc has no particular reputation at present
Re: Am I the only one with no Hausrat Versicherung?

I am one of those with no insurance whatsoever... my taking from the forum is that personal liability and home insurance are, apparently, a must in this country!
Reply With Quote
Reply

Tags
et go home




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



All times are GMT +2. The time now is 09:12.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0