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Old 24.02.2015, 15:43
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Broken oven

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.
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Old 24.02.2015, 15:49
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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).
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Old 24.02.2015, 15:52
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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?
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Old 24.02.2015, 16:26
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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.
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Old 24.02.2015, 16:31
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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?
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Old 24.02.2015, 16:39
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Re: Broken oven

Quote:
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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?

Arm yourself with the facts before going into a panic.

Last edited by Richdog; 24.02.2015 at 16:51.
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Old 24.02.2015, 16:31
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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.
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Old 24.02.2015, 16:40
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Re: Broken oven

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

Last edited by Kamarate; 24.02.2015 at 16:53.
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Old 24.02.2015, 18:00
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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
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