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Since accidents can happen in an instant and you can suddenly be faced with costly damage, personal liability is one of the most important types of insurance. It protects you financially if you unintentionally cause any damage to others.
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Covers bodily injury and damage to property |
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Large amount guaranteed, up to CHF 10 million |
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Additional options to suit your needs |
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15% discount for buying online |
Select exactly the coverage you need to match your lifestyle: Our basic cover provides a guarantee sum of CHF 3, CHF 5 or CHF 10 million. This protects you from the financial fallout of damage that you accidentally cause to others. You can also select from plenty of supplementary insurance options, such as cover if you occasionally drive a vehicle you do not own or if you rent a horse.
One of the most essential insurance policies.
We pay even if it is not clear who is at fault.
Large amount guaranteed
Pays for damage to third parties
Property damage and personal injury
Individual or family insurance
Choose your own deductible
Personal liability insurance
You are not required to have private liability insurance in Switzerland. However, even though it is not legally required it is still an essential insurance, because the damages often cost a great deal. For example, if you cause an accident as a pedestrian and the other person involved in the accident becomes disabled, you might be facing costs in the millions. Our personal liability insurance will pay out to protect you. This includes personal injury and property damage as well as financial losses and damage caused by tenants.
Select the guarantee sum yourself
You can choose the amount guaranteed: CHF 3 million, CHF 5 million or CHF 10 million. The guaranteed sum is the maximum compensation that we will pay in the event of a claim.
Generous benefits
We will pay benefits of up to CHF 2,000 even if it is unclear who is at fault, or if there is no way to determine who is at fault. This is particularly useful for amateur athletes and animal owners.
To suit any needs
Hobbies and activities
Such as hunting or dog ownership
Gross negligence
Plenty of supplementary insurance to choose from
Select your additional cover as desired to match your hobbies or activities. We provide you with custom third-party liability insurance including supplementary cover for:
Important supplementary cover: Gross negligence
By selecting this additional cover, you ensure that we will not reduce your benefits even if you have acted in a grossly negligent manner. For example if you ignore traffic laws. We will pay damages up to the full amount guaranteed.
Personal liability insurance is not mandatory in Switzerland, but we highly recommend it to everybody. That’s because this insurance covers damages that you accidentally cause to third parties, something that can very easily happen as part of your day to day life. We recommend personal liability insurance for both individuals and families. Third party liability insurance is also particularly useful for tenants, homeowners and those who are self-employed.
Tenants and homeowners: Whether you rent a place to live or own your own home, our personal liability insurance means you’re always well protected. We cover damage to the apartment you rent. And we’ve got homeowners well covered too. Renovations and repair work are also insured, if the work doesn’t exceed a total construction amount of CHF 100,000.
Self-employed persons: Self-employed people working in a wide variety of sectors can get cover for their professional activities, up to an annual turnover of CHF 25,000. Examples include running a beauty salon, nursery or day-care centre, or working as an actor, writer, musician, hairdresser or sport instructor, or cleaning private households.
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.
There is personal liability insurance and commercial liability insurance. Personal liability insurance can be taken out by private individuals. Commercial liability insurance can be taken out by businesses.
It varies from individual to individual. However, we recommend that you take out your own personal liability insurance at the latest when you move out of your parent’s house.
Personal liability insurance pays when you accidentally cause damage to third parties. This includes property damage and personal injury.
From the beginning of the contract. You can find this date in your policy. Damages are covered starting on this date.
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.
That depends on the amount and type of coverage you select. But you can take out third-party liability insurance starting at CHF 100 a year.
You can cancel the insurance every year on the policy’s expiry date. The expiry date is stated in your policy. The notice period for cancelling a contract is three months.
Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.
If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.
The advice is free of charge, with no strings attached. You choose the time and place.
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