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Old 03.04.2017, 15:42
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can you recommend a home insurance policy ?

Hi

I've fallen out with Vaudoise and need a new home insurance policy

It needs to cover contents and fixtures and fittings as I'm the property owner.

Can anyone recommend anyone ?
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Old 03.04.2017, 16:11
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Re: can you recommend a home insurance policy ?

www.juric.ch

Friend of mine. Nice chap. Office in Zug.

I have my workshop and the rest insured trough him. (Allianz is the main insurer)

You can mention Vizart Werbetechnik if you decide to talk to him.

Last edited by PanFastic; 03.04.2017 at 16:49.
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Old 03.04.2017, 16:32
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Re: can you recommend a home insurance policy ?

I love Helvetia and i love Mobilia...

Good experiences with both when making claims, and neither is jaw-droppingly expensive.
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Old 03.04.2017, 16:49
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Re: can you recommend a home insurance policy ?

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I love Helvetia and i love Mobilia...

Good experiences with both when making claims, and neither is jaw-droppingly expensive.
Ah, the joys of a not-for-profit enterprise (Mobiliar).
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Old 03.04.2017, 17:46
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Re: can you recommend a home insurance policy ?

Zurich Direct - now just Zurich - has the advantage of doing everything online, in a language of your choice.

Prices were competetive. Can't comment on the claims process though, we've not been unlucky.
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Old 03.04.2017, 20:43
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Re: can you recommend a home insurance policy ?

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Ah, the joys of a not-for-profit enterprise (Mobiliar).
Non-profit meaning: You actually get money back from them at the end of the year. Yes, very likeable. If I ever need to change I will change to them.

I'm with smile.ch. Easy, cheap, unocomplicated, all via internet but they got this online-chat-window for special questions. And once they even called me to tell me that I ordered an extra insurance I don't need - now THAT was unsusual!
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Old 03.04.2017, 21:07
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Re: can you recommend a home insurance policy ?

I recommend smile direct as well, no problems at all.
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Old 03.04.2017, 21:46
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Re: can you recommend a home insurance policy ?

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Non-profit meaning: You actually get money back from them at the end of the year. Yes, very likeable. If I ever need to change I will change to them.

I'm with smile.ch. Easy, cheap, unocomplicated, all via internet but they got this online-chat-window for special questions. And once they even called me to tell me that I ordered an extra insurance I don't need - now THAT was unsusual!
Yeah, a poster case for how to build customer loyalty (I mean it in a positive way). They'll get much more back in additional premiums by increased customer retention from you plus mouth-to-mouth promotion than what they gave up.

You can see Mobiliar in a similar light, I usually get around 5% back (deduction from the following year's premium), similar to those moronic "get 5k in extras free by buying our ridiculously overpriced car". However their rates and conditions were among the best when I checked (note to self: it's ten years since, time to re-check) and I very much prefer their business model to standard for-profit.
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Old 04.04.2017, 09:52
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Re: can you recommend a home insurance policy ?

Thumbs up for Mobiliar.
As of new we had 4 claims with them and every single time the resolution (cash) came within days and was fully satisfying. Also very little paperwork if at all.

But I guess this is not really out of standard in Switzerland. I also had 3 claims with vehicle insurance resolved quickly and without hassle. Same for several claims to travel insurance - delayed or damaged bags, all paid.

If I were to be picky, perhaps the travel insurance was a bit of a hassle as they required filling lengthy forms for a minor claim. But paid up so all was fine.
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Old 04.04.2017, 09:56
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Re: can you recommend a home insurance policy ?

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Thumbs up for Mobiliar.
As of new we had 4 claims with them and every single time the resolution (cash) came within days and was fully satisfying. Also very little paperwork if at all.

But I guess this is not really out of standard in Switzerland. I also had 3 claims with vehicle insurance resolved quickly and without hassle. Same for several claims to travel insurance - delayed or damaged bags, all paid.

If I were to be picky, perhaps the travel insurance was a bit of a hassle as they required filling lengthy forms for a minor claim. But paid up so all was fine.
Wow at least 8 claims..........

I guess insurance companies love you, expect to be refused cover if you have any more claims.......... If that happens you will be stuffed as most other insurance companies won't touch you with a barge pole.
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Old 04.04.2017, 13:03
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Re: can you recommend a home insurance policy ?

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Wow at least 8 claims..........

I guess insurance companies love you
And I love them. We have a mutual relationship ;-).

BTW the vehicle claims were of third party insurances, not mine. Each was a different one, but all were pleasant to work with.

And if you need to know, I do keep all of my insurances in different companies.
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Old 04.04.2017, 13:16
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Re: can you recommend a home insurance policy ?

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And if you need to know, I do keep all of my insurances in different companies.
The insurances are very close friends
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Old 04.04.2017, 13:20
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Re: can you recommend a home insurance policy ?

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The insurances are very close friends
And as far as payments/claims go, the overall balance is still in their favor. I guess I'm a friend too.
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Old 04.04.2017, 20:07
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Re: can you recommend a home insurance policy ?

Another vote for Mobiliar from my side.

They didn't asked me to sign for an over insured product originally, are easily reachable by local phone number (and yes, it's local offices taking the calls, not Swiss centralized or somewhere in Eastern Europe..) - and when I had actually a case to report, they paid out without asking too many questions (and, to top that off, very fast)

Definitely can recommend.
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Old 04.04.2017, 23:34
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Re: can you recommend a home insurance policy ?

Lowest price no frills I found was smiledirect
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Old 22.04.2017, 12:03
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Re: can you recommend a home insurance policy ?

Could I hop on this thread perhaps and ask a question on contents insurance/home insurance. We are insured with helvetia through a broker but it has gone up 110chf this year after going up the same last year. From what we read there is usually a 3month cancellation period but this can be revoked if there is an increase in premium with increase in the cover, does anyone have any insight?
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Old 22.04.2017, 12:10
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Re: can you recommend a home insurance policy ?

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From what we read there is usually a 3month cancellation period but this can be revoked if there is an increase in premium with increase in the cover, does anyone have any insight?
Read the terms and conditions of your policy. It is in there if it exists.
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Old 22.04.2017, 12:21
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Re: can you recommend a home insurance policy ?

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Read the terms and conditions of your policy. It is in there if it exists.
It says the increase has to be more than the standard increase by law in order to cancel. Otherwise, notice has to be given 3months in advance, which seems a bit much, when you only get the new premium cost 5weeks before the current contract ends
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Old 22.04.2017, 16:48
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Re: can you recommend a home insurance policy ?

CSS is also good. Often, if you get household and liability insurance from the same provider as your health insurance, they'll give you a discount.
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Old 22.04.2017, 18:00
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Re: can you recommend a home insurance policy ?

Mobiliar,-mEvery time for everything, really excellent service and as a Mutual company all policy holders benefit from a share in profits which is reflected in rebate to premiums on motor or buildings policies.

Shame they do not do medical cover.

Best

Rep
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