Personal liability insurance is an insurance cover that protects the insured person from financial consequences caused by damage to other persons or their property. Compare online now and switch directly. With the most favorable premiums.
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In the event of damage caused by a third party, you can put the person in financial distress. However, you can easily prevent this by taking out personal liability insurance. The private liability insurance is one of the most important non-mandatory insurances that a private person should definitely take out. You are thereby financially supported by the insurance. If you cause damage to other people or property, the insurance will cover the costs. The private liability insurance is especially recommended for parents with small children or for dog owners. In this case, it doesn't matter who caused the damage, since everyone living in the same household can be covered.
Here you will find the most important benefits of a personal liability insurance.
The maximum sum that is paid out in the event of damage is referred to as the guaranteed sum. The guarantee amount is selectable. Depending on the insurance company, the guaranteed amount is between 3 and 10 million francs. Usually, however, the guaranteed amount is 5 million Swiss francs.Deductible
The deductible is the amount that you personally have to pay before the insurance company pays for you financially. If the damage is higher than your selected deductible, the insurance company will pay the excess amount for you. The lower the deductible, the higher the premium.
If you drive someone else's vehicle and cause damage, you are well covered with this service, as the insurance company will cover the costs.
The best personal liability insurance companies in Switzerland provide excellent protection against financial risks. These insurance companies offer excellent benefits and conditions that allow customers to protect themselves comprehensively.
In these types of cases, the liability insurance intervenes for you:.
Personal injury: If you knock down a cyclist and he is injured, or a passerby slips in front of your property in winter and unfortunately breaks his leg (because you did not salt the ground).
Property damage: If you accidentally spill a wine glass on the expensive carpet in an acquaintance's home or knock over a valuable vase.
Rental damage: If you damage permanently installed objects such as floors, doors and windows in your rented apartment.
Pecuniary damage: Most often, this is financial disadvantages of customers. The disadvantages occur here without property damage or personal injury, such as due to consulting errors, programming errors, failures of systems, delays in the project or the like.
No, private liability insurance is basically voluntary. However, in some cantons there is an obligation for dog owners.
You can determine your desired insurance start date yourself. The insurance start date is also shown on your policy.
However, it is important that you have already paid the initial premium.
Damage caused to yourself or to persons living in your household is not financially covered by personal liability insurance. Damage due to wear and tear is also not covered. Also foreseeable damage and damage committed intentionally.
All persons who live permanently in the same household as the policyholder are also insured under the personal liability insurance.