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Old 27.08.2012, 00:05
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3rd party liability/house hold insurance

Hello everyone,

I'm moving to an apartment on October, but the landlord wants me to show that I have 3rd party liability and household insurance.

I have no idea where to start looking for this, and don't even know how much would it be. I will be moving to Villars-sur-glane near Fribourg and it's a 2.5 bedroom apartment.

Does anyone have any recommendations for insurers? Anyone knows how much it should be more or less? I have checked at the comparis web site, but it doesn't seem to work for this kind of insurance.

Thanks
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Old 27.08.2012, 00:09
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Re: 3rd party liability/house hold insurance

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Hello everyone,

I'm moving to an apartment on October, but the landlord wants me to show that I have 3rd party liability and household insurance.

I have no idea where to start looking for this, and don't even know how much would it be. I will be moving to Villars-sur-glane near Fribourg and it's a 2.5 bedroom apartment.

Does anyone have any recommendations for insurers? Anyone knows how much it should be more or less? I have checked at the comparis web site, but it doesn't seem to work for this kind of insurance.

Thanks
You'll find lots of infos regarding your question here.

http://www.englishforum.ch/search2.p...lity+insurance

However, I'd like to point out, that 3rd party/liability insurance is not compulsory anymore in Switzerland, thus I find it strange, that your landlord is asking for proof of insurance.

Also, on how much it should be, this clearly depends on each individual case. The best thing is to contact various insurances and ask them to give you a quote.
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Old 27.08.2012, 00:34
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Re: 3rd party liability/house hold insurance

Had to do this recently in Fribourg - I simply went online and compared prices with comparis.ch (yes, it does work for this type of insurance):

http://en.comparis.ch/hausrat-versic...ngsnehmer.aspx

Ended up going with baloisedirect.ch because I could do household contents insurance and the liability insurance in one go online, easy-as. You can get an automatic quote here: http://baloisedirect.ch/assurance/menage.html

All the rental agency needed was a copy of the policy certificate - my agency also insisted on glass cover, so make sure you check your contract.
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Old 27.08.2012, 01:18
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Re: 3rd party liability/house hold insurance

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You'll find lots of infos regarding your question here.

http://www.englishforum.ch/search2.p...lity+insurance

However, I'd like to point out, that 3rd party/liability insurance is not compulsory anymore in Switzerland, thus I find it strange, that your landlord is asking for proof of insurance.

Also, on how much it should be, this clearly depends on each individual case. The best thing is to contact various insurances and ask them to give you a quote.
Hey lib

It's now quite common in contracts to have liability cover insisted, we see it more and more of late...
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Old 27.08.2012, 01:25
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Re: 3rd party liability/house hold insurance

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Hey lib

It's now quite common in contracts to have liability cover insisted, we see it more and more of late...
Thanks, I wasn't aware of that, as I don't have any liability insurance and was never required (or even heard of until now) to provide proof of it. It's always good to learn something.
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Old 27.08.2012, 01:36
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Re: 3rd party liability/house hold insurance

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Thanks, I wasn't aware of that, as I don't have any liability insurance and was never required (or even heard of until now) to provide proof of it. It's always good to learn something.
Yeah some landlords and companies are writing it in as clauses to "protect their assit" one can of course refuse and say it's not mandatory but of of course being Switzerland one would most likely find their application for said residence turned down...

P.s congrats on the latest promote
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Old 27.08.2012, 01:37
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And for example, in Winterthur (probably all of Zurich), you are required to carry and show proof of coverage of personal liability insurance of at least 1mio per event (I think that's the amount) if you have a dog. No such requirement 5 years ago in Belp (outside Bern).
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Old 27.08.2012, 11:11
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Re: 3rd party liability/house hold insurance

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I don't have any liability insurance
Very bad! Very, very bad!

I just hope you don't run me (or any of my friends/ relatives) over with your bike/ski/ on foot or do any harm willingly or by accident that leads to costs/damage that go way beyond your assets!!!
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Old 27.08.2012, 12:55
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Re: 3rd party liability/house hold insurance

insurance is a weird concept when it comes to human perception... all in all, everybody who solicits insurance has somehow found a compelling reason for it (like compulsion by law), or has burnt himself/herself severely enough in the past, to see the need of it... this could very well be a generalization, but almost everybody who goes about saying, "I don't think I need this insurance", changes course soon after his/her first incident...
the same applies for the insurance of this kind i.e. private liability/3rd party liability... touch-wood nothing untoward happens to any of you, but in case it does, having an insurance like this will make it worth every rappen of your premium... if paying the premium really irks you off, cut down on one beer at the pub each week and you shall find the premium paying for itself...
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Old 27.08.2012, 13:18
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Re: 3rd party liability/house hold insurance

It's actually very cheap - and I really would NOT live here without third party liability insurance. The cost of someone being accidentally injured by you or on your property can add into huge sums - totally daft not to be covered.
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Old 04.09.2012, 09:20
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Re: 3rd party liability/house hold insurance

Hi - there is a Swiss website that helps you to determine exactly what insurance you need here is CH and it also puts you in direct contact with a broker who makes sure you get the best deals.

http://www.bfox.ch/

The site is only in German but if you run the google translate tool bar it should show English! I hope this helps.
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Old 04.09.2012, 10:09
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Re: 3rd party liability/house hold insurance

Isn't usually free for the first year or so ?
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Old 04.09.2012, 10:35
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Re: 3rd party liability/house hold insurance

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Isn't usually free for the first year or so ?
Isn't what usually free for the first year? I am constantly reminded nothing is free in this country everywhere I go. I guarantee you no one provides insurance for free.
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Old 04.09.2012, 10:48
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Re: 3rd party liability/house hold insurance

Personal liability insurance is not required in Switzerland but as many say, highly recommended. More and more, landlords are demanding that their tenants obtain this insurance because it covers damage/dilapidations caused to the dwelling by the tenant. That means that the landlord has near carte blanche to charge what s/he likes to repair any (perceived) damage to the dwelling at the end of the tenancy, because the insurance will pay for it. Whether the landlord charges CHF 400 or CHF 4,000 for the (usually) simple repairs required, s/he will get paid and the tenant is up for only the small excess (around CHF 200).

Nice little scam. In the short term, it's in everybody's best interest to have the insurance -- but of course, ultimately the premiums will rise to cover these inflated claims.
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Old 04.09.2012, 20:04
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Re: 3rd party liability/house hold insurance

I totally agree with the prior comment. We are just feeding these bloodsucking insurance companies! And then on top of that, they want me to put 3 months worth of a deposit in an account that I can't touch (or the landlord thank goodness)

Anyway, thanks for all your responses. The requirement for liability insurance is clearly stated in the contract, so no choice on that. But I was able to get insurance for 100 CHF a year, so it's not that bad.
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Old 04.09.2012, 20:07
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Re: 3rd party liability/house hold insurance

Exactly, not worth NOT having at that price, and for peace of mind. We have about 40 people coming to our house on Saturday, and I just wouldn't be prepared to invite that many without 3rd liability insurance. You just never know, touch wood.
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