Third party liability insurance FAQ

Insured persons

That depends on whether you take out individual insurance or family insurance:

Individual insurance: Pays for damages caused by you, the insured person. It also covers any damages caused by minors that are temporarily staying with you.

Family insurance: Family insurance pays for damages caused by all persons living in the same household. This includes married couples, cohabiting partners, children, siblings and parents. Children under the age of 26 who live outside the household and are not gainfully employed are also covered – for example students and apprentices. The insurance also covers minors that are temporarily staying with you.

Scope of application

The insurance is valid worldwide. It doesn’t matter if you cause damages at home in Switzerland or abroad while on holidays: Our personal liability insurance will pay regardless of your location.

Confirmation of coverage

As soon as you have paid your premium, you can order proof of insurance here. This is possible for the following types of policy:

Personal liability
Hunting liability insurance
Dog owner’s liability
Model aircraft owner’s liability (drones)

Coverage and supplementary insurance

Household contents: Household contents insurance covers movable property that is not part of the building or the building’s basic equipment. That is the items that belong to you. These items are insured against risks such as fire, water, theft and glass breakage.

Personal liability: Personal liability insurance, on the other hand, covers damages that you cause to third parties. This includes property damage and personal injury. For example, damage to property belonging to third parties or personal injury resulting from an accident you caused.

If you have an existing household contents or personal liability insurance policy, you can take out the following types of additional cover here: