Are your glasses covered by household contents insurance?
Like any other personal belongings, your glasses are part of your household contents. The basic cover under household contents insurance therefore includes the costs incurred if your glasses are damaged by fire, severe weather or water damage.
How are glasses covered if they are stolen?
If your home is broken into and your glasses are stolen, they are automatically covered under the household contents insurance. To ensure that your glasses are also covered if they are stolen outside your own four walls, you need to purchase the “Simple theft away from home” add-on.
How are glasses covered if they are lost?
The additional “Objects of special value” insurance provides optimum protection if your glasses or any other visual aids are lost.
How are glasses covered if they are broken in an accident?
If, for instance, you break your glasses in a fall, they are also covered under the “Objects of special value” add-on.
The sum insured agreed in the contract defines the maximum amount payable in the event of a claim. This is why it is important to keep the sum insured up to date.
Factor in the deductible
The deductible defines how much money you have to pay out of your own pocket per claim. With most insurance policies you can freely choose the deductible yourself. The choice of deductible has an impact on the premium: The higher the deductible, the lower the premium, and vice versa.
“Objects of special value”
The additional “Objects of special value” insurance covers not only your glasses, but also other valuable items included in your household contents, such as watches, works of art and antiques with an individual value of up to CHF 20,000.
This add-on cannot be taken out online. If you are interested, simply get in touch with us using the contact form.