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Old 01.01.2015, 15:47
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ECA (as in eca-vaud.ch)

Quick and simple question: what is this ECA (etablissment cantonal d'assurance) and is its insurance obligatory? I keep getting mail from them and I'm not sure what I should do with it.
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Old 01.01.2015, 18:05
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Re: ECA (as in eca-vaud.ch)

It's mandatory insurance against fire and floods provided by the canton of Vaud and it's rather cheap (depending on the insured value of course). You need one per household, I suggest you fill in the form they gave you ASAP
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Old 01.01.2015, 19:04
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Re: ECA (as in eca-vaud.ch)

Yes, it's mandatoy.

The amount you declare to them should be the same than for your RC. In case of accident, they cross check.
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Old 01.01.2015, 19:20
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Re: ECA (as in eca-vaud.ch)

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Yes, it's mandatoy.

The amount you declare to them should be the same than for your RC. In case of accident, they cross check.
Yes it is mandatory but it has nothing to do with your RC despite the insurtance companies trying to make you think it does, and by the way, it's not the RC part it is the theft/damage to household contents.

With fire (ECA) you need to insure everything, your shirts, your underwear your kitchen table as in a fire they are all destroyed.

With household contents you need to consider if a burglar would steal certain things, such as your kitchen table. Sur ehe may damage them but this then comes down to how much risk you are ready to take to pay a far lower household insurance policy.

The risks for theft/damage of household contenets are very different to those of fire !
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Old 03.01.2015, 12:49
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Re: ECA (as in eca-vaud.ch)

Thanks for the help, folks! Previously I had a short-term apartment, which the landlord already had insured so I was told to skip the ECA insurance.

I'll fill in the form and send it off, then. Hopefully it's not too late! :O
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Old 03.01.2015, 19:12
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Re: ECA (as in eca-vaud.ch)

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Thanks for the help, folks! Previously I had a short-term apartment, which the landlord already had insured so I was told to skip the ECA insurance.

I'll fill in the form and send it off, then. Hopefully it's not too late! :O

It's for household content too. It's cheap. Something like 50 centimes for each 1000 francs of value. Per year.
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Old 14.11.2016, 18:31
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Re: ECA (as in eca-vaud.ch)

New question, hopefully someone can help. I don't speak/read french so am finding the information about ECA very confusing.

I am subletting a furnished apartment in Morges, I am here for 3.5 months (I leave in 4.5 weeks). I have just received a 2nd letter from ECA and through google translate realized this is something I have to sign up for.

I assumed that since I was subletting an apartment it would already be covered under the current tenant or owner? Am I wrong?

My own belongings add up to a 15 kg suitcase full of clothes and a 7 year old laptop. Do I just cover that or do I have to cover all the furniture that is already covered under someone else's name?

I will be back living in Vaud next year (in another sublet apartment) so I want to do everything right but am assuming when I come back I have to pay again. Or does it cover regardless of where you move to?

Thank you!

Also if anyone has an english version of the form could you please send it, someone did put it on here a few years ago but the link no longer works.
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Old 14.11.2016, 20:08
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Re: ECA (as in eca-vaud.ch)

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New question, hopefully someone can help. I don't speak/read french so am finding the information about ECA very confusing.

I am subletting a furnished apartment in Morges, I am here for 3.5 months (I leave in 4.5 weeks). I have just received a 2nd letter from ECA and through google translate realized this is something I have to sign up for.

I assumed that since I was subletting an apartment it would already be covered under the current tenant or owner? Am I wrong?

My own belongings add up to a 15 kg suitcase full of clothes and a 7 year old laptop. Do I just cover that or do I have to cover all the furniture that is already covered under someone else's name?

I will be back living in Vaud next year (in another sublet apartment) so I want to do everything right but am assuming when I come back I have to pay again. Or does it cover regardless of where you move to?

Thank you!

Also if anyone has an english version of the form could you please send it, someone did put it on here a few years ago but the link no longer works.
I can't answer your question specifically.. But when I arrived 4 years ago I had a few questions for ECA, I sent them an email in bad French and they replied in English..

My understanding is that the purpose of ECA is to insure "your own stuff" against natural disasters or fire or flood or earthquake etc.. So I doubt you would have to cover stuff which you don't own.

Drop them an email, apologise for your bad french and hope you get a reply in English.


Edit : My bill for a fairly large place full of stuff is only about 100chf .. Just to give you a clue on cost.
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Old 14.11.2016, 20:29
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Re: ECA (as in eca-vaud.ch)

That is really helpful thanks. I didn't see an email on the letter but found it on their website so have sent a message. I am happy it isn't too expensive (unlike everything else!).
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Old 19.11.2016, 18:02
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Re: ECA (as in eca-vaud.ch)

I (PhD student in a rented property) only pay 20 CHF a year for an insured value of 35000 CHF. Seemed like a steal. I also lived with a landlady briefly, but then she had to acknowledge to ECA that MY stuff could be covered under HER insurance policy. Perhaps something you can also do with the main lender?
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Old 20.11.2016, 15:42
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Re: ECA (as in eca-vaud.ch)

ECA paid quickly for the hail damage we had in June 2013. Large window and a few window blinds needed replacement. That alone is going to cover our premiums for 50 years or so ...
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