What you do in your personal life can expose you to countless risks. One of these is the risk of causing damage to somebody by accident – be it through sport, as a pet owner or as a tenant. The statutory liability for bodily injury and property damage may pose an existential risk for you. You can prevent this with the private liability insurance.
In the customer satisfaction survey carried out by the comparison services Comparis.ch and Bonus.ch in 2017, Helvetia private liability insurance gets top marks once again. Helvetia is particularly convincing in the area of claims settlement.
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.
For risks that go beyond the basic insurance, our additional insurance gives you comprehensive protection – for example the third-party driver insurance for damages to motor vehicles belonging to third parties that you use.
As a builder, you can be held liable for damages, for example to the neighbouring plot, occurring during the building work – even if they are not your fault (strict liability). The private liability insurance protects you from the financial consequences for small building alterations. For building projects over CHF 200,000, it is worth taking out builder’s risk insurance.
With the liability cover of youth insurance for the under-25s. If the children live with their parents, then the private liability cover of the youth insurance is free of premium.
Combination discount of up to 20% with the household contents, Assistance, legal protection or buildings insurance. It’s well worth having everything from one source – including in financial terms.
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.
Our basic insurance provides comprehensive cover for you as:
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.
Important additional insurances can cover individual requirements – for example for teachers, ski and sports instructors, hunters or riders of loaned horses.
Whilst skiing you notice an icy patch too late and lose control. You collide with a female skier, who suffers only slight injuries, but is transported to hospital by the rescue services as a precaution. In addition, her equipment is damaged in the collision. The costs for the transport, the hospital examination and the replacement of the damaged ski equipment belonging to the skier are covered by Helvetia’s private liability insurance.
Vice versa: you are involved in a collision with another skier that is not your fault. Your equipment is damaged and you are injured to such an extent that you cannot take care of the household of your four-person family for three months. The loss of work in the household as well as the bodily injury and damages are quantified by the legal protection insurance and claimed from the person responsible or his/her insurance company.
You are riding your bike through the city and accidentally hit a parked car. You come away with a small scratch but the car suffers a bigger dent. Your Helvetia private liability insurance will cover the repair costs of the car in this case.
The football flies through the window pane instead of into the opponent’s goal, or an expensive vase is broken whilst the children are playing in your neighbour’s apartment. These things happen time and again and can be expensive. Our private liability insurance ensures you’re well protected.
Basically, private liability insurance is not compulsory, but is certainly recommended. It covers damage to property and bodily injuries that you cause to third parties. Damages for which you are liable, e.g. bodily injuries, can lead to economic or financial ruin for an individual or a family. By concluding a private liability insurance, you are protected from such cases.
Example: A daredevil skier hits you on the piste and you have to go to hospital. As a result of this accident, you are unable to work for an extended period and therefore suffer a loss of earnings. These costs are covered by the private liability insurance of the speeding skier.
If you live alone in a household, then you should conclude individual insurance. The situation is different if you have a family, a partner or spouse and children who live in a joint household with you, in which case you need family insurance.
The sum insured can be either three, five or ten million Swiss francs and can be freely selected by you. People suffering damages are claiming more and more money, so we recommend a policy with a sum insured of five million. Where bodily injury and resulting consequential damages (e.g. loss of earnings) are involved, the costs can become particularly high.