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Old 23.05.2013, 09:26
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Does My Household and private liability insurance cover Iphone/Bicycle damage?

Hello,
I accidentally broke my iPhone screen twice! (and paid the apple store 160fr each time to get a replacement), as i was leaving the app store yesterday i overheard someone saying that this is covered in your household insurance? can anyone confirm? i have my Household and private liability insurance with Zurich Insurance.

Also along the same lines, while cycling yesterday my inner tube exploded (and ripped the actual tyre) - i'm alive, but i would like to know if this is covered as well.
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Old 23.05.2013, 09:34
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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Hello,
I accidentally broke my iPhone screen twice! (and paid the apple store 160fr each time to get a replacement), as i was leaving the app store yesterday i overheard someone saying that this is covered in your household insurance? can anyone confirm? i have my Household and private liability insurance with Zurich Insurance.

Also along the same lines, while cycling yesterday my inner tube exploded (and ripped the actual tyre) - i'm alive, but i would like to know if this is covered as well.
It's possible that you might be able to claim on household insurance for iPhone damage - you need to check your policy, and/or talk to your insurance agent.

Liability insurance is just that - for third party liability, not personal damages and losses.

I've never heard of anyone claiming on insurance for a puncture on a bike - unless it caused the bike to be further damaged.
You can buy a new tire and tube for about 30chufs and change it yourself in 5-10 mins ...... less than your excess.
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Old 23.05.2013, 09:41
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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It's possible that you might be able to claim on household insurance for iPhone damage - you need to check your policy, and/or talk to your insurance agent.

Liability insurance is just that - for third party liability, not personal damages and losses.

I've never heard of anyone claiming on insurance for a puncture on a bike - unless it caused the bike to be further damaged.
You can buy a new tire and tube for about 30chufs and change it yourself in 5-10 mins ...... less than your excess.
Thank you, i've enquired with my insurance about the iphone, But its not just the inner tube but the actual tyre that is ripped, which will cost a whole lot more than 30fr to fix
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Old 23.05.2013, 09:45
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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Hello,
I accidentally broke my iPhone screen twice! (and paid the apple store 160fr each time to get a replacement), as i was leaving the app store yesterday i overheard someone saying that this is covered in your household insurance? can anyone confirm? i have my Household and private liability insurance with Zurich Insurance.

Also along the same lines, while cycling yesterday my inner tube exploded (and ripped the actual tyre) - i'm alive, but i would like to know if this is covered as well.
It is worth looking online to repair iphone screens if it happens again. So much cheaper than going to Apple store.
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Old 23.05.2013, 09:49
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

Depends what surplus you have on your policy. Mine is 200.-, so it wouldn't be worth it.

Worth shopping around for iPhone screen repairs btw, my daughter has had to replace hers twice now , both times costing < 100.-.

Edit: SOBEIT beat me to it
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Old 23.05.2013, 09:51
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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Thank you, i've enquired with my insurance about the iphone, But its not just the inner tube but the actual tyre that is ripped, which will cost a whole lot more than 30fr to fix
Er no, it won't. I buy such things in France usually, and tyres start from as little as 10 Euros or less, e.g. http://www.decathlon.fr/F-10941-pneus, http://ch.cherchons.com/dossier/pneu-de-velo.html.
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Old 23.05.2013, 09:53
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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Thank you, i've enquired with my insurance about the iphone, But its not just the inner tube but the actual tyre that is ripped, which will cost a whole lot more than 30fr to fix
I bought a new 26' mountain bike tyre for my daughters bike for 19,90 from Jumbo and tubes were about 5,00 (cheaper for budget range twin pack). 5 mins of my time was free.
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Old 23.05.2013, 10:20
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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Er no, it won't. I buy such things in France usually, and tyres start from as little as 10 Euros or less, e.g. http://www.decathlon.fr/F-10941-pneus, http://ch.cherchons.com/dossier/pneu-de-velo.html.
Ok, i think i've been living in la la land and didn't know tires cost so little! Iv'e been cycling for years and never had to think about replacing a tyre- i had thought i would be paying 200fr or so for one in Schweitz! thanks for the links... i guess i can start shopping online for the ingredients to get myself back and cycling.

Although i'm wondering what it will cost to get a tire and tube in Switzerland, because teh cash i will spend on Trains until the tire/tubes are delivered might be far more than a Swiss fix.
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Old 24.05.2013, 17:44
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

Update! inner tube and tires cost 49fr from the bike shop near Tunnelstrase in Central Zurich! so i got those. they charge an extra 10 fr to fix it.

thought this wise since i will be spending about 33fr for transport for a week while waiting for delivery of my tires and tubes

Just in case i might buy some spares online since they are a lot cheaper. i already have spare inner tubes for my other bike, but thinking maybe 2 spare tires are probably wise.

Herd back from my insurance and the iPhone is covered in my Houshold insurance! Sent a receipt waiting for a reply- i don't have the terms&C in English (and not sure the German one specifies an excess for phone repairs) but i hope there inst one! (or at least significantly less than what i paid Apple store for it!)
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Old 24.05.2013, 18:50
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

My excess was 250. handling a claim is time (read money) intensive so insurance companies discourage small claims by having an excess

We use Axa and their customer service is incredibly good
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Old 30.05.2013, 15:44
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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Update! inner tube and tires cost 49fr from the bike shop near Tunnelstrase in Central Zurich! so i got those. they charge an extra 10 fr to fix it.

thought this wise since i will be spending about 33fr for transport for a week while waiting for delivery of my tires and tubes

Just in case i might buy some spares online since they are a lot cheaper. i already have spare inner tubes for my other bike, but thinking maybe 2 spare tires are probably wise.
If the current tyres are in good condition (as the new one clearly will be) then I wouldn't bother, if I were you. Only if you're a serious racer or MTBer would this be normal practice - for a commuter it's really not worth the effort, as you can get a replacement in minutes at any cycle shop and failure is very rare. I did replace the ones on my racer/road bike recently, but they were at least 15 years old and literally perishing, such that one had given me 3 punctures on one journey. I did have a fold-up spare, but on that daya I wasn't carrying it

Incidentally, I looked in a Jumbo the other day, and they had standard city-type tyres from as little as 10chf up to 30 or so.
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Old 07.06.2013, 16:41
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

If anyone is interested in an update, by bike got stolen this morning - and my insurance doesn't cover it (it was stolen outside my house) - so apparently not covered by Household ins.

I guess i gotta look for a new bike now- part of me feels happy( as i have a reason to get a new one) the other half of me feels sad cause i feel hundreds of francs are thrown away!!

this mustv'e been a professional thief of some sort because two broken bike locks were on the floor the same day!
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Old 07.06.2013, 16:55
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Re: Does My Household and private liability insurance cover Iphone/Bicycle damage?

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If anyone is interested in an update, by bike got stolen this morning - and my insurance doesn't cover it (it was stolen outside my house) - so apparently not covered by Household ins.
Sorry to hear that your bike was stolen; unfortunately this happens quite often here.

Just an FYI when you buy your new bike: ask your insurer about a policy that would cover bike theft. Like yours, our standard HH insurance doesn't cover OH's bikes so he has a special rider adding coverage for replacement in case of damage or theft. IIRC the rider wasn't all that expensive when you consider the cost of the bikes.
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