Stay relaxed at all times with Helvetia’s private liability insurance – even when the little ones go exploring again.
Private liability insurance covers you for any damage you cause to other people or their property. It is one of the most important types of insurance there is, as even small lapses of attention can have major financial consequences. Tenants in particular can easily cause damage to someone else's property – for example by cracking a washbasin or making a dent in a parquet floor.
The insurance covers you for damage/injuries caused by you to persons and property, as well as for any resulting financial losses. In addition, the insurance reimburses costs incurred in mounting a defence against unjustified third-party claims. If you live in a domestic partnership, cover can be extended to include all persons permanently living in the same household as you. Children living away from home are also covered as long as they are registered at home.
With our basic insurance, you are insured as a:
Extend your cover as:
Third-party driver cover
Third-party driver cover pays claims worldwide resulting from the use of third-party motor vehicles. The insurance covers both damage to the third-party vehicle itself and damage caused to third parties by the vehicle. The insurance covers all vehicles driven by you 365 days a year.
It also covers rented vehicles. The sum insured for damage to rented vehicles, car sharing vehicles and garage vehicles is capped at CHF 2,500.
The insurance covers damage you cause to third parties on the Internet such as:
Model aircraft and drones
Cover is provided for damage caused by the aircraft to third parties or their property. The insurance covers owners and users of aircraft weighing between 500 grams and a maximum of 30 kg. Aircraft weighing less than 500 grams are covered by the basic insurance.
This supplement covers financial consequences arising from the policyholder's professional occupation for which the employer or an insurance company has recourse. The insurance also covers search, rescue and recovery costs for students and accompanying staff on school trips, school camps and excursions.
Riding horses owned by third parties
If you have an accident while riding a borrowed horse, this supplementary insurance covers veterinary costs if the horse is injured, and pays for any damage to borrowed equipment.
Please note: Some services can only be taken out with your client advisor.
Combine private liability insurance with household contents, travel, legal protection or buildings insurance and get up to a 20% discount.
24/7 assistance: Helvetia provides you with round-the-clock assistance 365 days a year.
48h claims payment: Helvetia guarantees claims payment within 48h following a successful claims review.
Helvetia offers a comprehensive range of services. The full package can be booked online for just CHF 14. However, it is also possible to add selected services only. When combined with household contents insurance, travel and legal protection insurance, the services apply to all products and only need to be taken out once.
Waiver of premiums: In the event of earning disability, you will benefit from a waiver of insurance premiums until the agreed end of the contract. However, you will continue to benefit from insurance cover.
Waiver of gross negligence: Helvetia waives its right to a reduction in benefits in the event of grossly negligent conduct.
Home Assistance: Helvetia will assume the task of providing a trade service, organizing construction management, removing wasps', hornets' and bees' nests, taking immediate measures in the event of a technical defect and organizing a security guard service.
Locksmith service: If you unexpectedly find yourself unable to gain access to your home, Helvetia will organize a tradesperson to provide access.
Card blocking service: At your request, Helvetia can block lost credit and debit cards as well as SIM cards.
Legal advice: Legal advice for all legal disputes is provided by the independent legal service of Coop Rechtsschutz.
Psychological follow-up support: Helvetia will pay for the cost of psychological support provided by a qualified doctor, psychologist or psychiatrist after an insured event.