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Private liability

Private liability
Private liability

Stay relaxed at all times with Helvetia’s private liability insurance – even when the little ones go exploring again.

  • Private liability insurance from CHF 6.30 a month
  • Basic legal protection as injured party included
  • Deductible from CHF 0 possible
  • Up to 20% combination discount

Top in claims processing

In the 2018 customer satisfaction surveys carried out by comparison services Comparis.ch and Bonus.ch, Helvetia private liability insurance received good ratings, scoring particularly highly in the areas of claims processing and customer service.

Overview of private liability insurance

Private liability insurance covers personal injury and damage to property which could even threaten your livelihood. With personal liability insurance, you are protected against claims by third parties.

A brief guide to private liability insurance

The insurance covers bodily injury and damages suffered by a third party as a result of your behaviour in your private life. The insurance also covers financial losses where these are attributable to an insured person or property damage.

Basic insurance
With our basic insurance, you are fully insured as a:

  • Head of the family
  • Person responsible for goods entrusted or rented property
  • Tenant or owner of an apartment or property
  • Teacher
  • Pet owner
  • Athlete
  • Originator of personal injury or damage to property involving third-party passenger cars or delivery vehicles, motorcycles, mopeds or rental vehicles, and also for car sharing
  • Users of bicycles and e-bikes (corresponds to the aforementioned bicycle liability insurance)

The basic insurance also includes legal protection cover. The insurance covers claims for damages asserted against the originator of bodily injury and property damage inflicted on you. Financial loss is also insured, if this is preceded by bodily injury or property damage.

Additional insurances
Important additional insurances can cover individual requirements – for example for teachers, ski and sports instructors, hunters or riders of loaned horses.

The private liability insurance is valid for you, your partner or spouse and any children (until they reach the age of 20) living in the joint household. The insurance covers damages anywhere in the world.

Combination discount for private liability insurance

Combine private liability insurance with household contents, travel, legal protection or buildings insurance and get up to a 20% discount.

Calculate premium now

Combination discount for private liability insurance: Combine private liability insurance with household contents, travel, legal protection or buildings insurance and get up to a 20% discount.

Frequently asked questions
More questions on the topic private liability
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