Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #21  
Old 22.03.2015, 07:18
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 11,952
Groaned at 90 Times in 81 Posts
Thanked 18,203 Times in 8,089 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: thieves tried to break in, door is damaged, have no insurance as a tenant, who pa

Quote:
View Post
Rechtsanwalt/Fursprecher - he is able to represent client in court of law. Just trying to help. Glad the insurance outcome was positive for the tenant.
Glad to here that your husband speaks German. Because, than he understand this:
http://www.hev-zuerich.ch/der_zuerch...-200412-06.htm

It is the HEV's (Home Owner Association) point of view on this topic. I call the HEV the dark side, because it tries to put as much burden and liability on the tenant as it can. But even they say the damaged door is the landlords responsibility.

In conclusion, the outcome is not a surprise but the law.
Reply With Quote
The following 3 users would like to thank aSwissInTheUS for this useful post:
  #22  
Old 22.03.2015, 09:18
Senior Member
 
Join Date: May 2013
Location: Romandie
Posts: 463
Groaned at 14 Times in 6 Posts
Thanked 239 Times in 151 Posts
Miostar has made some interesting contributions
Re: thieves tried to break in, door is damaged, have no insurance as a tenant, who pa

Quote:
View Post
I don't understand how come it is my fault that the thieves tried to break in? The door is damaged simply by the thieves. Since the door is not my personal belonging and it is not me who damaged it, I don't have to pay this bill. This is as simple as that. Even livit agrees with that. And by the way this is the second flat we rented in neuchatel, we have never been asked for the household insurance: not by naef nor by livit.

I have received quite a lot of support from this list and had courage to fight against the unfair situation and eventually I won. Thanks to everyone who advised when I needed.
Now good time to takeout an insurance? They do cover damages you may do to the flat quite nicely, quite an useful insurance for once.
Reply With Quote
  #23  
Old 22.03.2015, 09:30
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Neuchâtel
Posts: 11,519
Groaned at 180 Times in 162 Posts
Thanked 17,932 Times in 7,588 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: thieves tried to break in, door is damaged, have no insurance as a tenant, who pa

Quote:
View Post
He also does not understand how/why you were able to rent the apartment without the relevant insurances.

.
This insurance is not obligatory here in Neuchâtel although a lot if landlords do request it.
It is advisable to have it though as it could come in useful when moving out ( and in other situations too) and it isn't very expensive.
Reply With Quote
  #24  
Old 22.03.2015, 09:45
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 28,894
Groaned at 1,977 Times in 1,496 Posts
Thanked 34,294 Times in 16,313 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: thieves tried to break in, door is damaged, have no insurance as a tenant, who pa

Quote:
View Post
This insurance is not obligatory here in Neuchâtel.
Nor in Ticino.

Tom
Reply With Quote
  #25  
Old 22.03.2015, 09:54
me.anon's Avatar
Forum Veteran
 
Join Date: Jan 2012
Location: thun
Posts: 2,061
Groaned at 41 Times in 30 Posts
Thanked 2,710 Times in 1,311 Posts
me.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond repute
Re: thieves tried to break in, door is damaged, have no insurance as a tenant, who pa

Quote:
View Post
I'm an Aussie married to a Swiss Barrister. He says you have no legal right to expect Livit to pay the door damage costs. These costs will be borne by the tenants (you guys). He also does not understand how/why you were able to rent the apartment without the relevant insurances. . . .
From the quoted HEV article, the tenant's insurance is irrelevant in this case, because the tenant cannot be obliged to claim on it, even if he had such a policy. That is, assuming that the tenant was not grossly negligent in, say, ignoring a rule to keep the main entrance door locked. Especially in the case of an unsuccessful break in, where the tenant has suffered no loss to his personal possessions, he may be reluctant to claim because of the risk of a possible increase in insurance premiums.
Having said all that, and as others have said, it is a good idea to have a 3rd party liability policy and contents policy.
__________________
If you have difficulties with a post which contains a link to a site in one of the Swiss languages, use Google Translate or your own favourite translating browser.
Reply With Quote
The following 3 users would like to thank me.anon for this useful post:
Reply

Tags
bill, damaged, door, insurance, robbery




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Damaged door due to poor design newtoswitz Housing in general 14 12.06.2011 11:40
Someone tried to break into my (rented) car :( javaman Daily life 7 09.09.2010 02:29
No longer have to pay the 10% for health insurance? Vlh22 Insurance 4 05.07.2010 13:54
Damaged Imports - who is responsible? litespeed Business & entrepreneur 4 16.03.2007 09:42


All times are GMT +2. The time now is 20:27.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0