Personal liability insurance coverage in Switzerland
The coverage of a personal liability insurance in Switzerland varies depending on the insurance company and the tariff. However, it generally covers the following areas:
Personal injury, property damage and financial loss: The insurance pays for damage that you cause to other persons, their property or assets. It does not matter whether it is an accident or a negligent act.
Damage to rented property: If you live as a tenant in an apartment or house and cause damage there, personal liability insurance covers the cost of repairing or replacing the damaged items.
Damage caused by children incapable of tort: The insurance also protects you against the financial consequences of damage caused by your children incapable of tort. In Switzerland, children under the age of 7 (under the age of 14 in the case of traffic accidents) are incapable of committing a tort.
Drones: In many cases, the use of drones up to a certain weight limit is already included in the standard personal liability insurance. This means that the insurance covers the cost of personal injury or property damage resulting from the use of a drone.
Foreign coverage: Most insurance policies offer worldwide coverage for damage you cause abroad.
Advantages of private liability insurance in Switzerland
Private liability insurance in Switzerland offers you numerous advantages:
Financial protection: Insurance protects you from the financial consequences of damage you cause to others. Without insurance coverage, you would have to pay for these damages yourself, which can lead to high costs.
Legal protection: The insurance also covers the costs of your legal protection if disputes arise over liability claims.
Flexibility: Personal liability insurance in Switzerland offers various rates and options so that you can adapt the insurance cover to your individual needs.
Security for the family: Personal liability insurance protects not only you as the policyholder, but usually also your family members who live with you in the same household.
Favorable premium: Despite the comprehensive coverage, the premiums for personal liability insurance in Switzerland are comparatively low, so that the financial outlay for this important protection remains manageable.
Common claims in personal liability insurance
Below are some examples of claims that are common in personal liability insurance in Switzerland:
Personal injury: You accidentally bump into a pedestrian who then falls and injures himself. The personal liability insurance covers the costs of treatment and any claims for compensation for pain and suffering by the injured party.
Property damage: While visiting friends, you unintentionally damage a valuable object. Personal liability insurance pays for the repair or replacement of the damaged object.
Damage to rented property: You cause water damage in your rented apartment through carelessness. The personal liability insurance covers the costs of repairing and eliminating the damage.
Damage caused by children: Your child accidentally throws a ball against a neighbor's window while playing and breaks it. Personal liability insurance covers the cost of replacing the window.
Drones: The drone crashes into a parked car causing damage or injuring a person.
Damage abroad: During a vacation abroad, you accidentally cause damage to a rented vehicle or vacation home. Most personal liability insurances also offer protection in this case and cover the costs incurred.
Conclusion
Private liability insurance in Switzerland is an indispensable coverage for you and your family. It protects you from the financial consequences of personal injury, property damage and financial loss, while offering numerous benefits. To ensure optimal protection, it is important to compare the different rates and options offered by insurance companies and to customize your insurance coverage.
