Hi folks.

I've been told to do one of this insurances for if I damage somebody with the bike or skiing or other strange situations.

I started with comparis.ch and I get some options, but I don't really know which one to take and I am sure there're small differences to take into account.


Could you please help me to get the right one or to get other that's not in this site? For example reading the small text I found that with some of them you have to stay 3 years and with other only one...


Thanks in advance

Jonesy, you live on the gold coast: so just get a pin and stick it in the list. Usually you get what you paid for.

I am happy with Mobiliär. You should have had this insurance since day 1 here. It isn't expensive!

Thanks.

I am really doing this insurance because I ride with the bike and ski in winter, and somebody told me that I SHOULD have it, even if it's not mandatory.

I am taking the one of 10.000.000

There's two views on this. Personally I think it's a complete and utter con, and I would never want to take it out. I don't want to go through the arguments again, and I know from the many previous threads - try searching if you're interested - that it's a minority view, but for activities such as you describe there's absolutely no need for it.

Huh?

Crash the bike into other property, you are liable for the damage to the other property.
Hit someone on the head with your skis when walking, you are liable for their resultant ambulance costs.

Real example that actually happened last year:
Child A hit child B when jumping into the swimming pool. Child B went to hospital (but was OK). The ambulance charges of 600.- for transport of child B were claimed by the insurance company of child B from the parent of child A. The parent of child A used his public liability insurance to cover the ambulance charges.

Another example:
You carry skis on your shoulder at the ski slope, turn to speak to someone and the skis whack someone else on the head. The someone else goes to hospital, you are liable for the ambulance charges.
If you have public liability insurance, the insurance covers it.

Another example:
You walk down the road, trip, and fall against a car, smashing the wing mirror.
You public liability insurance covers the damage to the car you hit.

I could go on and on
In this country, where insurance companies DO go after the liable party to recover the costs, it is very wise to ensure you have public liability insurance.

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Warning: may contain traces of nuts.

as Sprinz mentions ,
it certainly would be advisable to have the insurance from day one - it will be very costly should you ever face the unfortunate event of damaging some else’s property or goods , not talking of unintentionally hurting someone or even someone’s pet ... the differences within the policies are not remarkable - the best bet is to have a good contact with you insurance broker and to get the best possible deal with all details explained - are you also familiar with the Haushalt - Versicherung to cover your personal belongings in the flat as well as any damage done during your tenancy ?

I am with AXA , before that with Mobiliar- both offer a great service and good rates ( as moving houses , changed the insurance broker to get a better deal for the new property ) should you require a contact name at AXA for example , give us a shout Good Luck