I am interested in
The “Search” function is not available at the moment, please try again later.
Please get in contact with us. To contact form
Helvetia Privathaftpflichtversicherung

Personal liability insurance. Keep calm when some­thing goes awry.

Cover yourself and your family against minor acts of carelessness with major financial consequences so that you can keep your composure even when something goes wrong.
Round-the-clock assistance guaranteed 365 days a year
Up to 20% combination discount
All persons living in the same household are insured
Worldwide cover for rental vehicles
Deductible from CHF 0

The benefits we offer you

Personal liability insurance provides you with financial cover for any losses caused by yourself – whether through injury to people or damage to property. This means you can relax and do not have to think about the costs incurred in the event of losses or minor acts of carelessness. Helvetia also assists you when contesting unfounded liability claims.

Helvetia provides support, if:

  • you scratch the parquet floor of your rented apartment.
  • you collide with and injure another person while on your bicycle. spill wine on your friends’ sofa.
  • you spill wine on your friends’ sofa.
  • your children break the neighbor's window while playing football.
Get up to 20% combined discount.

If you take out two products (household contents, private liability, travel insurance, building or legal protection insurance), you will receive a 5% combined discount. For each additional product we will grant you a further 5% discount. You can thus benefit from a combination discount of up to 20% on your entire policy.

Increase your cover to give you the extra protection you need.

Non-owner drivers

Worldwide cover for losses arising from the use of third-party vehicles, 365 days a year.


Covers you against losses caused by inadvertently spreading viruses, unintentionally infringing trademark and copyright law online and being negligent with others’ data.

Model aircraft and drones

The additional package covers you as the owner or user of aircraft requiring authorization for injury to third parties or damage to their property.


Covers you against the financial consequences of professional activities, such as when taking school pupils on excursions.

Riding horses owned by third parties

Covers you against veterinary and equipment costs if you have an accident while riding a borrowed horse.

Our services

Have you lost your keys and cannot get into your home? Or is a wasps’ nest causing you trouble? Our services make your everyday life easier.

Premium waiver

If you are unable to work, you no longer have to pay insurance premiums, but do continue to enjoy full insurance cover.

Waiver of gross negligence

In the event of your gross negligence, we do not reduce the benefits you are entitled to.

Home Assistance

On your behalf, we assume the cost of workmen’s services, removing wasps’, hornets’ or bees’ nests, measures taken immediately in the event of a technical defect and security services.

Locksmith service

We have all experienced it: all of a sudden, the key is gone and you cannot get into your home. We organize a workman for you.

Card blocking service

If you lose your SIM, debit or credit card, we take care of having it blocked.

Legal advice

Our independent legal service – Coop Rechtsschutz - advises you on all legal queries and legal disputes.

Psychological follow-up support

We will assist you after a traumatic event, such as a break-in, and will arrange for support from the right expert.

Update guarantee

We always settle your claim in accordance with the latest insurance terms that are best for you.


Under 27 years of age?

Helvetia YOUniverse bietet den optimalen Versicherungsschutz ganz nach Ihren Bedürfnissen at particularly attractive premiums.

No small print: when does a personal liability insurance policy pay out, and when does it not?

Your insurance pays out if ...

… you inadvertently cause third parties to suffer loss and damage, e.g. injury.

… you accidentally lose, damage or destroy items owned by third parties.

… third parties file unfounded compensation claims against you and you incur defence costs.

... members of your household (e.g. children) who are not included in your liability cover cause bodily injury or damage to property.

Your insurance does not pay out if ...

… you deliberately cause losses or intentionally commit an offence.

.… items used commercially or professionally are damaged.

… losses arise as a result of unforeseeable events such as war, terrorism, internal unrest or nuclear disasters.

Your questions. Our answers.

We are there for you.

Arrange an appointment
Book online now
Book your consultation now
Use current location
Get in touch with us.
We’ll be happy you to help with any questions you may have and find the right solution together with you.
Enter your first name.
Enter your last name.
Enter your ZIP.
Choose the way of contact.
Enter your phone number.
Enter your e-mail address.
This field is required
Choose file

Die Datei ist zu gross (max. 5 MB)


Invalid file type

Too many files selected

This field is required
Please agree to the privacy policy.