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Old 19.08.2010, 10:16
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Renting a room. Do I have to do ECA insurance?

I'm renting a room from a family in Lausanne. All furniture is theirs and all I have in the room is personal belongings - nothing fancy.

I keep getting these letters from ECA saying that I must insure my stuff. I am wondering if I actually have to do this since I am renting just a room and not the whole apartment.

Thanks in advance!
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Old 19.08.2010, 10:52
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Re: Renting a room. Do I have to do ECA insurance?

Generally speaking all households in canton VD have to be covered by ECA for fire and natural disasters.

I believe it comes down to whether the room is a separate household or not. Presumably you have exclusive rights to that space and are not a family member, as such ECA is treating it as a separate household. Also, consider if there was a fire, the family makes a claim for their contents, but does not consider you part of the family, thus your items are exempt. Probably best to clarify these fine details with them though directly. (there may be also some exemptions if having coverage under existing swiss insurance for these elements coming from another canton)

http://www.eca-vaud.ch
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