I recently had to make a claim for accidental damage of my phone and my cat has scratched my rented apartment floor and is destroying my dining chairs.

So lets just say I foresee a few claims in the future.

How do insurers usually handle this? Do they eventually kick you off the plan or do they make your premiums untenable?

Your cat, your chairs = your problem !


Your cat, their floor = Insurance company problem


Male too many claims and they will refuse to renew your insurance. It is rarely worth making claims for under Chf 500.-- as the franchise is already Chf 200.-- so you are pissing around effectively for Chf 300

For the scratched floor, consider waiting until you move out of the apartment.

What Biro said. And buy a cat scratching post or tree and train the cat to use it.

The first thing to realise about insurance is that you are required to minimise the loss, which basically means you take every reasonable step to prevent the event from happening in the first place. And foreseen events are not accidents. Otherwise the insurance company can refuse to make a payout or reduce the payout based on your contribution to the event.

So you know what the cat is up to, it is your problem if you don't prevent it from happening. Leaving an apartment is a kind of a special event that insurance companies factor in to their premiums so as long as the claim is reasonable in terms of the event and amount it should not be a problem.

And yes you can be priced out of the market or simply refused insurance if it is clear to them that you are to a high risk for them to take on. That could be as a result of several big claims or multiple 'Mickey Mouse' claims that indicate that you are not the kind of person that takes care of your property - regular claims for damages to a phone that was the result of carelessness for instance.

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