Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 26.11.2008, 14:58
Castro's Avatar
la mod
 
Join Date: Nov 2007
Location: ZG
Posts: 5,516
Groaned at 117 Times in 95 Posts
Thanked 16,418 Times in 5,228 Posts
Castro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond repute
3rd party insurance claims procedure

Hi all,

There has been some smoke damage to our apartment as a result of a chimney fire in the restaurant below. The fire raged in the chimney and since there is an access port in the appartment, it was blown open and smoke billowed out.

Clearly the fault is not mine, and yet I've been asked to contact my 3rd party insurer (Vaudois) and request a formulaire which the buildings owner and architect would fill out on my behalf.

Is this normal? Surely the full liability must rest with the restaurant?
Reply With Quote
  #2  
Old 26.11.2008, 15:19
vwild1
 
Posts: n/a
Re: 3rd party insurance claims procedure

Quote:
View Post
Is this normal? Surely the full liability must rest with the restaurant?
In all my years in Switzerland I've been fortunate not to have needed my insurance coverage so I can't say if your situation is normal or not. If I were you I'd call my insurer and explain what happen, I'm sure they can give you the correct advice on just whose insurance is suppose to cover the damage.
Reply With Quote
This user would like to thank for this useful post:
  #3  
Old 26.11.2008, 15:27
Swissinfo
 
Posts: n/a
Re: 3rd party insurance claims procedure

Quote:
View Post
In all my years in Switzerland I've been fortunate not to have needed my insurance coverage so I can't say if your situation is normal or not. If I were you I'd call my insurer and explain what happen, I'm sure they can give you the correct advice on just whose insurance is suppose to cover the damage.

Before you do the above get a hold of the Restaurants insurance details, tell him that your insurer has requested them and forward these details to your insurer.

Treat it in the same fashion as if you were involved in car accident as third party, also advise the police authorites that you are going to make a claim and see if they have report number on this for you to pass onto your Insurance

Good luck

Last edited by Swissinfo; 27.11.2008 at 09:09.
Reply With Quote
This user would like to thank for this useful post:
  #4  
Old 27.11.2008, 08:58
FriendlyKiwi's Avatar
Forum Veteran
 
Join Date: Jan 2008
Location: Shoppinzentrum
Posts: 1,784
Groaned at 20 Times in 16 Posts
Thanked 914 Times in 551 Posts
FriendlyKiwi has a reputation beyond reputeFriendlyKiwi has a reputation beyond reputeFriendlyKiwi has a reputation beyond reputeFriendlyKiwi has a reputation beyond repute
Re: 3rd party insurance claims procedure

Quote:
View Post
Hi all,

There has been some smoke damage to our apartment as a result of a chimney fire in the restaurant below. The fire raged in the chimney and since there is an access port in the appartment, it was blown open and smoke billowed out.

Clearly the fault is not mine, and yet I've been asked to contact my 3rd party insurer (Vaudois) and request a formulaire which the buildings owner and architect would fill out on my behalf.

Is this normal? Surely the full liability must rest with the restaurant?
Yes, I believe it would be normal.

In almost every insurance situation, the insured party must deal directly with their insurer. Because that's where the contractual relationship lies. And then the claim is officially lodged by a party that is known to have insurance.

Then the insurer will sort out the liability and whether he needs to contact any other insurer to sort out payment.

The same would happen in a car crash. Each party advises their respective insurers, and the insurers sort out the paperwork and who ultimately pays for the damages. That's their job, that's what you pay them for.

So it is perfectly normal for the other building tenants to expect you to contact your insurer to file a claim.

Your insurer will then claim against the restaurant's insurer, that's how the system works.
__________________
Warning: may contain traces of nuts.
Reply With Quote
This user would like to thank FriendlyKiwi for this useful post:
  #5  
Old 27.11.2008, 09:09
Castro's Avatar
la mod
 
Join Date: Nov 2007
Location: ZG
Posts: 5,516
Groaned at 117 Times in 95 Posts
Thanked 16,418 Times in 5,228 Posts
Castro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond reputeCastro has a reputation beyond repute
Re: 3rd party insurance claims procedure

Quote:
View Post
Yes, I believe it would be normal.

In almost every insurance situation, the insured party must deal directly with their insurer. Because that's where the contractual relationship lies. And then the claim is officially lodged by a party that is known to have insurance.

Then the insurer will sort out the liability and whether he needs to contact any other insurer to sort out payment.

The same would happen in a car crash. Each party advises their respective insurers, and the insurers sort out the paperwork and who ultimately pays for the damages. That's their job, that's what you pay them for.

So it is perfectly normal for the other building tenants to expect you to contact your insurer to file a claim.

Your insurer will then claim against the restaurant's insurer, that's how the system works.
Thanks, thats exactly what has just happened. The restaurant contacted Vaudois on my behalf and at 8:30 this morning a bespectacled gentleman was on my door step. He inspected the damage and then said that the company would pay for it, and then deal with the restaurant to sort out the liabilities.

Very impressed by the speed and efficiency
Reply With Quote
  #6  
Old 27.11.2008, 09:51
swisspea's Avatar
Forum Legend
 
Join Date: May 2008
Location: From one side of lake Zurich to the other...
Posts: 6,195
Groaned at 39 Times in 29 Posts
Thanked 6,177 Times in 2,858 Posts
swisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond reputeswisspea has a reputation beyond repute
Re: 3rd party insurance claims procedure

And that is what insurance is for

Nice to know the system works sometimes!
Reply With Quote
Reply




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
What does 3rd party liability cover for renters? muze7 Insurance 14 15.03.2015 16:42
Car Insurance - No Claims Bonus Thirsty Insurance 15 02.10.2009 14:10
3rd party national - B permit for branch office? valaiski Permits/visas/government 0 21.07.2008 00:59
Insurance Claims justdoit Finance/banking/taxation 6 28.03.2008 09:01
3rd Party VOIP on Cable/DSL? bozothedeathmachine TV/internet/telephone 3 25.05.2007 08:51


All times are GMT +2. The time now is 08:43.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0