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Old 16.12.2008, 13:38
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Accidental Damage - Covered in Household Contents Insurance?

Hello,

I searched for this to no avail I'm afraid, so here goes.

Does a normal household contents insurance cover accidental damage? I am with Zurich Connect and when I asked them about this their answer was

"It is impossible to insure against this in Switzerland".

The example scenario I gave is if I dropped my laptop (unfortunately entirely feasible), could I claim for it.

Is this true - that no household contents insurance covers accidental damage? At first I wondered if it was the language barrier, however I checked the policy details (in English) thoroughly and no mention whatsoever is made to accidents.

I also have private liability cover so I checked this too. However, there is a clause which means you cannot claim for damage caused to yourself or your family and their belongings. Effectively excluding accidental damage of your stuff.

So, does anyone know whether it is covered? Or an insurer that does cover accidental damage? Thanks in advance.
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Old 16.12.2008, 13:40
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Re: Accidental Damage - Covered in Household Contents Insurance?

Normal household contents insurance doesn't cover accidental damage done in your own home by you.

You need Privatehaftpflichtversicherung to cover this.

FYI Glass and water damage with Zürich are covered separately.
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Old 16.12.2008, 16:49
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Re: Accidental Damage - Covered in Household Contents Insurance?

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Normal household contents insurance doesn't cover accidental damage done in your own home by you.

You need Privatehaftpflichtversicherung to cover this.

FYI Glass and water damage with Zürich are covered separately.
Interestingly when I googled this and went to Zurich Connect it came up with "Personal Liability Insurance" - which is what I already have (sorry for the mistake in my original post). When I read this policy it says that damages caused to your belongings by you are not covered.

I'll try AXA and see what they come up with.
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Old 16.12.2008, 16:56
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Re: Accidental Damage - Covered in Household Contents Insurance?

I found this link on the AXA website:

http://www.winterthur-insurance.ch/h...pri_pro_ha.htm

Unfortunately my German is nowhere near good enough to work it all out. Is this a separate policy to the standard household contents and personal liability insurance?
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Old 16.12.2008, 16:57
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Re: Accidental Damage - Covered in Household Contents Insurance?

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Interestingly when I googled this and went to Zurich Connect it came up with "Personal Liability Insurance" - which is what I already have (sorry for the mistake in my original post). When I read this policy it says that damages caused to your belongings by you are not covered.

I'll try AXA and see what they come up with.
Damage to your own personal belongings is not covered. If you break your phone, laptop ect this isn't covered and you need a specific insurance for this.

Accidental damage to your rental property fittings and fixtures or another person or their belongings is covered my personal liability.

HTH
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Old 17.12.2008, 09:49
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Re: Accidental Damage - Covered in Household Contents Insurance?

However, if your friend, neighbour or whoever drops/breaks your laptop then his insurance cover your loss, if you get my meaning.
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Old 17.12.2008, 14:31
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Re: Accidental Damage - Covered in Household Contents Insurance?

Personal liability is if you cause loss or injury to someone else or their property. There is another policy that covers if your property gets lost, stolen or damaged. IIRC, it was an addition to or house hold contents insurance. This covered damage, theft or loss including on foot or in a car, etc.

I'm surprised you were told "it's not possible in Switzerland". I don't think this is true. Maybe they mean through your personal liabitity insurance. (which I'm assuming is the responsabilité civile ?)
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Old 17.12.2008, 14:47
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Re: Accidental Damage - Covered in Household Contents Insurance?

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However, if your friend, neighbour or whoever drops/breaks your laptop then his insurance cover your loss, if you get my meaning.
That's what friends are for ... breaking my stuff and then claiming it on their personal liability insurance (Privathaftpflichtversicherung).



(yes, I catch your drift)
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Old 17.12.2008, 15:05
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Re: Accidental Damage - Covered in Household Contents Insurance?

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However, if your friend, neighbour or whoever drops/breaks your laptop then his insurance cover your loss, if you get my meaning.
The number of spectacles (glasses - both hubby and I wear them) that have been damaged by friends of ours is amazing.....
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Old 17.12.2008, 15:09
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Re: Accidental Damage - Covered in Household Contents Insurance?

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The number of spectacles (glasses - both hubby and I wear them) that have been damaged by friends of ours is amazing.....
Assuming you are wearing them at the time, how on earth does this happen? Do you lay into each other
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Old 17.12.2008, 15:16
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Re: Accidental Damage - Covered in Household Contents Insurance?

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Assuming you are wearing them at the time, how on earth does this happen? Do you lay into each other
No - whenever a new prescription is due, one of our friends just happens to sit on them or knock them off the table, or ..... whatever
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Old 17.12.2008, 15:35
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Re: Accidental Damage - Covered in Household Contents Insurance?

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No - whenever a new prescription is due, one of our friends just happens to sit on them or knock them off the table, or ..... whatever
They must be a very nice friend to claim on their insurance for you
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Old 17.12.2008, 16:23
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Re: Accidental Damage - Covered in Household Contents Insurance?

Thanks all to the responses so far. Having checked into this further I still cannot find a specific "accident" insurance.

I an going to call AXA and ask what their policy is on this as I am interested to find out why it does not seem to be "as standard". In the UK almost all insurers offer an opt in/out for accident cover, and even include accident cover for bicycles etc damaged away from the home should you wish. It seems strange that you may (by accident) damage one of your possessions and not be able to claim for it?
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Old 17.12.2008, 16:35
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Re: Accidental Damage - Covered in Household Contents Insurance?

OK, so the results of my investigations. I called AXA and asked about accidental damage. When I asked whether they would pay if I broke my own laptop or TV the representative said:

"No, you would be better to say that your friend broke it and claim from their private liability insurance."

She did add a caveat that this is "kind of fraud" but seemed genuinely shocked when I mentioned this was normal to have accidental damage cover in UK insurance policies. She eve said she would be happy to "rip such a company off" if they would pay for all her accidents.

Clearly "ethics" isn't high on the list of employee requirements at AXA!

So, the lesson is - this doesn't seem to exist and you would be better having a list of willing "clumsy" friends to take the blame if you ever break anything.
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