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-   -   Broken oven (https://www.englishforum.ch/insurance/228610-broken-oven.html)

Kamarate 24.02.2015 15:43

Broken oven
 
1 Attachment(s)
Hi all,

I wasn't sure whether to put this under insurance or home. Mods, please move if it's in the wrong place.

So last night, my boyfriend just went to open our oven and out of nowhere, the handle broke off, one of the springs/hinges collapsed, the oven door hurtled to the floor, smacked against it and the glass shattered everywhere (see photo).

We are not rough with the oven and we have no idea why this happened. It must be wear and tear. We asked our estate agents what we should do and they said "talk to your insurance". We have Swisscaution and home insurance and - sorry if I sound liek a complete idiot - but I don't know who to ask or what to do. If it's due to wear and tear, it shouldn't be up to us to pay for a new oven, should it? I'm worried our insurance won't be enough to cover it (I took out a policy for the sake of it and don't really understand it and our new policy - which is a good one I got advice on - doesn't start until July).

Please can someone help? I really can't afford to fork out for a new oven.

Phil_MCR 24.02.2015 15:49

Re: Broken oven
 
search EF. there was another exploding oven case which was covered by insurance.

apparently it does happen (i think in that case nobody touched it and it exploded on its own).

Odile 24.02.2015 15:52

Re: Broken oven
 
Ooops- but why not just phone Swiss caution and ask the receptionist to put you through to the right dpt and discuss this with them?

Are you members of Alsoca?

porsch1909 24.02.2015 16:26

Re: Broken oven
 
You would claim on you liability insurance part of your insurance policy (if you have that). There will be a 200CHF (or there abouts) franchise

https://www.axa-winterthur.ch/en/pri...s/default.aspx

Otherwise you need to pay yourself

Swisscaution has nothing to do with it. That's simply a deposit guarantee. It doesn't insure anything.

Kamarate 24.02.2015 16:31

Re: Broken oven
 
This is the problem - I don't know who to go to!

I don't really understand the breakdown of our home insurance policy but I do remember seeing a deductible of CHF 200...

This is such a pain in the backside... surely it should be up to the agency to replace it? Either that or we have the right to take it with us when we leave, right?

smoky 24.02.2015 16:31

Re: Broken oven
 
My opinion, looking at that photo, is that the oven is just plain old and worn out - parts disintergrating/falling off.

Owner of apartment should replace the oven. That`s why tenants rent and owners upkeep things. Same as if the geyser conks in - owner replaces it.

Richdog 24.02.2015 16:39

Re: Broken oven
 
Quote:

Originally Posted by Kamarate (Post 2346969)
This is the problem - I don't know who to go to!

All you have to do is show an iota of initiative and call your insurance to explain the situation and see what they say/advise... why not try that first? :confused:

Arm yourself with the facts before going into a panic.

Kamarate 24.02.2015 16:40

Re: Broken oven
 
Does anyone have an article of the law I can quote? I swear we did nothing to cause that damage!

Today only 24.02.2015 16:54

Re: Broken oven
 
Quote:

Originally Posted by Kamarate (Post 2346973)
Does anyone have an article of the law I can quote? I swear we did nothing to cause that damage!


Why don't you simply just ask first instead of quoting the law ?

Incorrectly quoting can lead to animosity and no interest on the part of the landlord to do anything apart from the strict minimum.

You RC insurance will pay anyway, damage to third party.

Kamarate 24.02.2015 16:57

Re: Broken oven
 
I'm just concerned that my policy won't cover it as honestly I don't understand home insurance. Is it like health insurance where you have a minimum requirement of things that are covered?


I make it no secret that I am a panicker...

Odile 24.02.2015 17:11

Re: Broken oven
 
Are you perhaps trying to say that you are in fact not insured?

If you are, just phone them and find out- your French is excellent, so no problem there. And as said, I'd never ever be a tenant in CH without being a member of Asloca for advice, just in such situations.

Kamarate 24.02.2015 17:29

Re: Broken oven
 
No, I do have home insurance (although not a member of ASLOCA).

Belgianmum 24.02.2015 17:43

Re: Broken oven
 
Calling the insurance and asking them would be the simplest thing to do. Most landlords ask for proof of liability insurance when you rent the place so I'd be very surprised if it wasn't included in your policy.

You can make an appointment at ASLOCA and pay to join at the first appointment if necessary.

Cata1yst 24.02.2015 17:58

Re: Broken oven
 
If it was my landlord I'd call him first and explain it exploded after the handle disintegrated. (Plastics fail over time) be honest.

They may replace the entire oven without quibble and no cost to you if it's an old oven (cost more to fix than replace I guess if it's old!) This might be seen as keeping the property in good order then again there are some tight landlords out there.

Otherwise route 2 via insurers.

rob1 24.02.2015 18:00

Re: Broken oven
 
I wouldn't be claiming on my insurance got that. .. go back to the agent as it's easier for them to say claim on insurance rather than replacing it out of their own pocket. Make sure you clearly tell them the hinge broke

Belgianmum 24.02.2015 18:02

Re: Broken oven
 
Quote:

Originally Posted by Cata1yst (Post 2347042)
If it was my landlord I'd call him first and explain it exploded after the handle disintegrated. (Plastics fail over time) be honest.

They may replace the entire oven without quibble and no cost to you if it's an old oven (cost more to fix than replace I guess if it's old!) This might be seen as keeping the property in good order then again there are some tight landlords out there.

Otherwise route 2 via insurers.

Unless I've completely misunderstood her first post didn't she say she'd contacted the landlord ( agency) and their response was to contact her insurers?

glowjupiter 24.02.2015 18:02

Re: Broken oven
 
Maybe this helps (select language of your choice, probably F (I put in English because EF :))

Check the policy of your home contents (Hausrat) insurance. Since the link contains toilet bowls and sinks etc., broken ovens probably also should be insured. But call your insurance comp. to be sure. First them (get their statement in writing if in any way possible), and then do what they say. Good luck :)

Swisscaution is the wrong route to go as they only cover your rental deposit. Deposit only comes into play when you move in or out of an apartment. When moving in, as a security to the agency/landlord for damages not repaired by the tenant upon moving out (either damages you haven't repaired yourself (Kleinreparatur, see http://www.englishforum.ch/housing-g...-cooker-3.html for further info on when tenants are required to cover these) or damages which you're responsible for but haven't had your insurance (home contents insurance or liability insurance) take care of during your rental).
Since you're (I presume) not planning to move out and not repair before you move out, home contents insurance is the place to call.

If you want to check insurance coverages by yourself, here's e.g. AXA's coverage for one of their models. See page 3 for glass breakage

Also joining asloca might be a good idea for next time. Not that you're not allowed to ask questions here if you're a member :D but they can help out pretty quickly and efficiently.

Kamarate 24.02.2015 19:04

Re: Broken oven
 
BM is right, I have already contacted the agency who were very quick to shirk responsibility.

I'm looking at my policy and it could be so many things but I don't see anything there that resembles ovens (sinks are apparently not covered).

The only thing I can see is in the personal liability insurance which says "Material damages" and the deductible is CHF 200. I guess it could be RC as the oven belongs to the owner, not to us.

GAH I can't bloody ring them as I'm at work and I honestly can't take the time to call (all the time on hold etc). My boyfriend is going to have to ring them. I just hope he can explain and get a clear answer.

glowjupiter 24.02.2015 19:09

Re: Broken oven
 
Quote:

Originally Posted by Kamarate (Post 2347093)
BM is right, I have already contacted the agency who were very quick to shirk responsibility.

I'm looking at my policy and it could be so many things but I don't see anything there that resembles ovens (sinks are apparently not covered).

The only thing I can see is in the personal liability insurance which says "Material damages" and the deductible is CHF 200. I guess it could be RC as the oven belongs to the owner, not to us.

GAH I can't bloody ring them as I'm at work and I honestly can't take the time to call (all the time on hold etc). My boyfriend is going to have to ring them. I just hope he can explain and get a clear answer.

If your home contents and liability insurances are taken out with the same company, contacting them and asking them which insurance covers the broken oven should be clarified quickly.

How about email since you can't reach them by phone now? That seems like the clearest way to deal with things. Also request their phone availability hours in the email in case your BF can't reach them by phone.

BTW what is RC?

Big Mara 24.02.2015 19:40

Re: Broken oven
 
Hi Kamarata. From what I can see from your photo, you must have a Bosch 60cm oven with full front glass door. Please do not panic, if it is this model, you can simply put a new glass on the front. Or at the worst, change the door.
On the RH side edge of the door are all the ID Numbers you need to order a new one.
If I can help, let me know. I will be in St Blaise on the 25th from 10 - 12pm.


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