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Old 20.09.2016, 17:31
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Valuables insurance

Afternoon,

Can anyone recommend a good insurer for specific valuables (i.e. engagement ring)? I am using Zurich and I think they high, would like to compare.

Cheers, Ian
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Old 20.09.2016, 17:44
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Re: Valuables insurance

https://www.mobiliar.ch/versicherung...n-und-eigentum The premiums attract a no claim bonus, and actually decrease over the years.
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Old 20.09.2016, 18:04
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Re: Valuables insurance

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https://www.mobiliar.ch/versicherung...n-und-eigentum The premiums attract a no claim bonus, and actually decrease over the years.
A more direct link
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Old 20.09.2016, 18:27
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Re: Valuables insurance

Depends a little bit on the cost of the ring -- we always had an individual policy for our high-end jewelry, but discovered that our policy limits were high enough here that we didn't need the additional insurance for most of our items. In the UK, I think you needed to carry separate insurance on everything over GBP1'000; here in Switzerland, the threshold was more like CHF25'000.
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Old 20.09.2016, 18:33
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Re: Valuables insurance

Speaking of valuables insurance...when I first moved here someone told me that if you included things like an engagement ring on your insurance, you also were supposed to declare it on your tax forms as part of your net worth. I never found out if this was true or not...anyone know?
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Old 20.09.2016, 19:36
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Re: Valuables insurance

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Afternoon,

Can anyone recommend a good insurer for specific valuables (i.e. engagement ring)? I am using Zurich and I think they high, would like to compare.

Cheers, Ian
Zürich was ever so slightly more expensive than AXA when I got ours; but Zürich gave a lot of discounts on my other insurances for having multiple kinds of insurances, and offered everything in English, and the difference was anyway very slight. Insurance on your ring will be roughly 1% the value of it per year regardless of who you go with - even for expensive rings, a variation from 1.1% to .9% won't be a lot.
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Old 22.09.2016, 12:41
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Re: Valuables insurance

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Zürich was ever so slightly more expensive than AXA when I got ours; but Zürich gave a lot of discounts on my other insurances for having multiple kinds of insurances, and offered everything in English, and the difference was anyway very slight. Insurance on your ring will be roughly 1% the value of it per year regardless of who you go with - even for expensive rings, a variation from 1.1% to .9% won't be a lot.
Thanks everyone for your comments. Taking a look at Mobiliare now... wondering why my correspondence from Zurich isn't in English...
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Old 22.09.2016, 13:23
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Re: Valuables insurance

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Depends a little bit on the cost of the ring -- we always had an individual policy for our high-end jewelry, but discovered that our policy limits were high enough here that we didn't need the additional insurance for most of our items. In the UK, I think you needed to carry separate insurance on everything over GBP1'000; here in Switzerland, the threshold was more like CHF25'000.
The difference is in the cover. Valuables specific insurance covers a lot more than just home contents insurance. The excess is generally also higher e.g. My policy has 10% excess. This is presumably to remove temptation for dodgy claims.

I pay 1% plus insurance tax on my watches with AXA.
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