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Old 05.01.2017, 22:56
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Does submitting a renter's insurance claim increase your premiums?

I recently moved apartments, and had to pay for some minor repaintings and scratches (total around 600 CHF).

I have renter's insurance through AXA, which would theoretically cover all but 200 CHF of this. However I'm wondering if the insurance could increase my premium to make this not worth it.

Does anyone have experience with the renter's insurance premiums changing because of a submitted claim?
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Old 05.01.2017, 23:00
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Re: Does submitting a renter's insurance claim increase your premiums?

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I recently moved apartments, and had to pay for some minor repaintings and scratches (total around 600 CHF).

I have renter's insurance through AXA, which would theoretically cover all but 200 CHF of this. However I'm wondering if the insurance could increase my premium to make this not worth it.

Does anyone have experience with the renter's insurance premiums changing because of a submitted claim?
Probably not, they may refuse cover in the future if you have had other claims in the recent past.
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Old 05.01.2017, 23:38
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Re: Does submitting a renter's insurance claim increase your premiums?

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Probably not, they may refuse cover in the future if you have had other claims in the recent past.
Mine didn't, claimed 1600 once, no change.

Tom
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Old 06.01.2017, 07:32
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Re: Does submitting a renter's insurance claim increase your premiums?

They shouldn't, private liability insurances usually don't work on bonus/malus system like car insurance.

But insurers do have a right in general to cancel your policy after a claim if they think you've become too much of a risk. Finding a new insurer will be more difficult and/or costly then. You have to disclose on the application whether previous insurer cancelled your policy.
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