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Old 15.03.2010, 10:15
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ECA - Insurance of Natural Elements

Hi everyone.
I just got an ECA format which I am supposed to fill for the house I am renting. It is in french, and I cant find a translation for the "Aide pour remplir votre police d'assurance". Is there anyone here which has an english version of such brochure?
If I am renting the house, should I pay for the insurance, or the owner does (sorry but it is the first time I rent a house).
Thanks
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Old 15.03.2010, 10:19
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Re: ECA - Insurance of Natural Elements

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Hi everyone.
I just got an ECA format which I am supposed to fill for the house I am renting. It is in french, and I cant find a translation for the "Aide pour remplir votre police d'assurance". Is there anyone here which has an english version of such brochure?
If I am renting the house, should I pay for the insurance, or the owner does (sorry but it is the first time I rent a house).
Thanks

There you go http://www.eca-vaud.ch/assurer/pdf/ass_anglais.pdf; the form in English.

As this is an insurance on your belongings mainly in case of floods or mass fires, etc, you need to take the insurance rather than the owner. I had the same questions as you when I moved here. I think it is specific to the Canton of Vaud. Didn't have this in Geneva.

Hope this helps.

Cheers.

I assumed that you were in Canton the Vaud.
If not, the above link is no good for you.

Cheers,
Nilesh

Last edited by vwild1; 15.03.2010 at 16:28. Reason: Merged 2 successive posts into 1
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Old 15.03.2010, 10:55
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Re: ECA - Insurance of Natural Elements

The cantonal insurance like ECA is mainly for building insurance agains flooding, fire, earthquake...in general natural hazard.
For your belongings (furniture, consumer electronics etc...), the insurance is optional and can be provided by any insurance company not necessarly ECA.
You need a personal liability insurance in any case in switzerland (RC or responsabilite civile). You can have more information here:
http://www.svv.ch/section403/consumer-info
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Old 15.03.2010, 11:10
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Re: ECA - Insurance of Natural Elements

Yes, as others said, you need to take this insurance otherwise you could be liable for damage from natural disasters.

In short, in Canton Vaud, this insurance covers the liability for natural disasters, and is done at the Canton level. This means that in cases of some damages, there is a separate state insurer ECA. However, the private insurers are still necessary for other damages, ie. fire, theft etc. so you need this as well. It is just that the private insurer premium covers only these damages in VD, and in some other cantons it is one insurance covering all damage from all causes.
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Old 15.03.2010, 16:25
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Re: ECA - Insurance of Natural Elements

And in Vaud, the insurance is compulsory - either take out the insurance with the form provided, or be prepared to provide proof that you have it elsewhere.

And when they send you the insurance certificate, which guesstimates the value of your goods based on the house size/ number of rooms, keep it safe if you do a tax return as they'll need it to add the value of your belongings to your Wealth Tax.

kodokan
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Old 18.03.2010, 19:09
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Re: ECA - Insurance of Natural Elements

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And in Vaud, the insurance is compulsory - either take out the insurance with the form provided, or be prepared to provide proof that you have it elsewhere.

And when they send you the insurance certificate, which guesstimates the value of your goods based on the house size/ number of rooms, keep it safe if you do a tax return as they'll need it to add the value of your belongings to your Wealth Tax.

kodokan
Thanks for your useful answer.

I liked your "wording", "guesstimates"...

I received that dumb form today (obviously government likes to share my details to any paying thing).

It definitely looks like you must pay, blablabla, mandatory. They even give their form. Although on 1 little line, it says if you got insurance somewhere else, send them a copy of the policy.

1) Thank you for forcing me to insure my furnitures against fire. Although I could not find the line where i'm forced to insure my cock, is that normal?

2) Thank you for putting Guide for filling the form, with example of furniture value starting from 30 000chf up to 87000chf. I'm not rich, my furniture is hardly 2000chf total. Anyway it's an example, I could put whatever there (of course it will increase the prices)

3) Thank you for not telling how much it will cost, but yes, I'm signing and accepting it, as it can cost "as little as a few centimes a months". Yes. For sure.

4) Thank you for also proposing me to insure stamps, weapons, wines, etc... Really mandatory and relevant in case of fire... I still could not find insuring my cock, though. Nice to "propose" all their service!!

5) You also have to insure your food (!!!)

They're really bunch of sheeps here.
Anything coming from "ABOVE" (ie. stupid administrations, etc...) is saint, and no one question it...

I talked to my Swiss collegues everyone finds normal. Everyone finds also normal to sign, not knowing how much it will cost...



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Old 18.03.2010, 19:13
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Re: ECA - Insurance of Natural Elements

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Everyone finds also normal to sign, not knowing how much it will cost...
If it helps, we've got insurance on a 6-room house, with belongings that apparently are worth 180k (Land of Mad amount nowhere near their real IKEA value), and the annual insurance for this is 90-something chfs.

kodokan
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Old 18.03.2010, 19:19
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Re: ECA - Insurance of Natural Elements

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If it helps, we've got insurance on a 6-room house, with belongings that apparently are worth 180k (Land of Mad amount nowhere near their real IKEA value), and the annual insurance for this is 90-something chfs.

kodokan
Thanks...

I still find that completely stupid.
You sign something you don't know, and not question it.

You can also insure frozen food... My frozen chicken has been put into the fire, can you please refund me it's value??...


Are they serious??
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Old 18.03.2010, 19:29
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Re: ECA - Insurance of Natural Elements

Just consider it part of the total compulsory tax take, like Billag. Much less stressful to do it that way.

kodokan
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Old 19.04.2010, 18:13
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Re: ECA - Insurance of Natural Elements

I am now utterly confused. I understand the principle of personal property insurance and liability. And that it is compulsory in VD I also get.

What I fail to understand is what the difference is with a private insurers insurance? What does ECA covers that a prive insurer does not cover? Everyone talks about natural disasters, well when I read the english version it says it excludes earthquakes, wars, etc., which is my definition of natural disasters.

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Old 19.04.2010, 18:22
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Re: ECA - Insurance of Natural Elements

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I am now utterly confused. I understand the principle of personal property insurance and liability. And that it is compulsory in VD I also get.

What I fail to understand is what the difference is with a private insurers insurance? What does ECA covers that a prive insurer does not cover? Everyone talks about natural disasters, well when I read the english version it says it excludes earthquakes, wars, etc., which is my definition of natural disasters.

Private insurance is for theft, breaking the landlord's sink the bathroom, that sort of thing. The way this fire insurance thingie was explained to me is that it's largely so the Fire Brigade show up at your house if necessary.

I guess other cantons just include charges for fire brigades and so on in their tax-pays-for-it services, so you're still paying for it but it's not so painfully obvious.
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Old 19.04.2010, 18:47
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Re: ECA - Insurance of Natural Elements

The documents you should have received with the ECA letter should have explained the situation.

In Vaud fire insurance is complusory for all households. You can choose to insure with any company (and if you do you'll be asked to provide proof of cover), you aren't forced to use the ECA.

As a renter the landlord should have insured the building but you still are obliged to insure for your contents,

The aid to compiling your insurance (from memory from when I arrived) was little more than a checklist to give you an idea how much to insure for.

The ECA cover is purely for Fire and natural disasters (mainly floods) so it doesn't benefit you for insurance against other damage to property.

The cost is pretty low as a result of this limited cover. I also vaguely remember there was a formula provided for the cost of the cover based om a value per 1000 of property.

The reason given for making it compulsory is so that other residents of the canton don't have to contribute to the costs of people who've just burned themselves out of a home - and seeing the number of buildings in our small region that went up in smoke over the last couple of years there might just be a tiny grain of truth there.

Or maybe the insurers don't investigate cause as thoroughly as they might:-)
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Old 15.01.2011, 20:13
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Re: ECA - Insurance of Natural Elements

Hello,

I was just wondering... Do we have to RENEW the ECA every year?
How about price increase?
Or is it automatically renewed every year with the same amount to pay? (I doubt it... but who knows)

I just got f3cked with the "health insurance crap", I would like to avoid the same mistakes.

PS: I have been on ECA website but could not find any information (source: http://www.eca-vaud.ch/assurer/assurer.cfm?mission=ass&item=50000&iframe=no&print =no&contenu=as_complementaire.htm )

Thanks
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Old 15.01.2011, 20:34
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Re: ECA - Insurance of Natural Elements

You should get a renewal notice every year.

You need to check the value is still adequate to cover the property you're insuring but the process is pretty simple.
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Old 15.01.2011, 22:45
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Re: ECA - Insurance of Natural Elements

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1) Thank you for forcing me to insure my furnitures against fire. Although I could not find the line where i'm forced to insure my cock, is that normal?
I expect the ECA believe that your cock is probably far too insignificant to worry about insuring it.
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Old 15.01.2011, 23:41
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Re: ECA - Insurance of Natural Elements

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Private insurance is for theft, breaking the landlord's sink the bathroom, that sort of thing. The way this fire insurance thingie was explained to me is that it's largely so the Fire Brigade show up at your house if necessary.
It was explained to me that obligatory fire insurance is sometimes mandated by a canton to ensure that everyone has insurance cover for the almost universally unaffordable losses associated with a devastating house fire. It is a rare event, but when it happens, I'd guess that that at least 95% of the people to whom it happens can't afford to replace everything they lost.

It is far more common for people to have regular break ins, (big-screen TV, computer, jewellry, etc.) but these are considered "affordable" losses, and the canton will not mandate that everyone have private insurance, it is a personal choice. Hence there is only mandatory insurance for relatively rare but potentially very costly events, and the optional type is for more common but less catastrophic events.

This certainly doesn't explain why in Vaud such insurance can only be obtained through ECA and not your regular insurance agency, but I do think it makes sense. Realistically, I won't miss 76.- CHF a year, and in the event I ever need this insurance, I'll be glad to have it.

HM
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Old 16.01.2011, 10:17
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Re: ECA - Insurance of Natural Elements

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I expect the ECA believe that your cock is probably far too insignificant to worry about insuring it.
Actually your cock, even if incredibly tiny, does not come under the ECA coverage. That is a different piece of compulsory insurance - you have three months from arrival to take out health insurance. or the powers that be will do it for you and send you the bill.
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Old 16.01.2011, 12:24
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Re: ECA - Insurance of Natural Elements

In Vaud at least, the ECA automatically send you a bill each year. It will be the same amount unless you notify them to increase cover. I'm sure premiums must go up every once in a while but the hikes aren't that big - you certainly won't get a bad surprise like health premiums. Actually its one of the cheapest insurances around, I guess because it's compulsory and there are lots of subscribers. In Vaud it's compulsory to insure the building with the ECA. You can insure the contents against fire with a private insurer but my private insurance company told me that it's much cheaper to insure household contents against fire risk with ECA than with them.
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Old 27.01.2011, 20:29
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Re: ECA - Insurance of Natural Elements

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Realistically, I won't miss 76.- CHF a year, and in the event I ever need this insurance, I'll be glad to have it.

HM
I view the 70 CHFs Rega invoice like this (the 'we'll come and helicopter you off the mountain' people): I almost certainly won't need it, but would be pleased to have it if I did, and in the meantime it's a bit like donating to the Lifeboats charity in the UK.
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Old 10.05.2011, 09:55
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Re: ECA - Insurance of Natural Elements

In Vaud, is the ECA compulsory per person or per household? I'm currently sub-letting and the tenant has paid it - do I have to pay it too? Before moving in here, I was living in someone's spare room, do I have to pay then? Or is it just when I am myself a householder? Very confused by all the Swiss insurances tbh.
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