When the weather is good, Martin likes cruising around the region on his Harley. So that nothing stands in the way of his fun on two wheels, he has arranged corresponding insurance coverage. In Switzerland, liability insurance is compulsory for two-wheeled motor vehicles too. In addition, with partially comprehensive cover the motorcycle is insured against theft, fire, natural hazards (e.g. storm, hail, flooding), avalanche, glass breakage, collision with animals, malicious damage and damage caused by martens. The (fully) comprehensive insurance goes one step further and covers collision damages to your own motorcycle for which you are to blame.
With bonus protection insurance the first claim per insured business line will have no effect on the bonus level. Martin concludes his bonus protection as part of the motorcycle insurance.
We even grant him two additional bonus levels on his liability and comprehensive cover, because he completed a rider safety training course in Switzerland that is recognised by Helvetia.
Do you have an e-bike with capacity of up to 25 km/h? In case of a claim at home, your household contents insurance will usually cover it. Make sure that your e-bike is included in the sum insured.
In case of a theft outside the home or damage caused by a fall, the usual household contents cover will not be sufficient. Insure your e-bike against these risks with the additional insurances of «household all risks» and «simple theft out-and-about» as part of your household contents insurance.
In case of damages to third parties, your private liability insurance will apply if your e-bike is not faster than 25 km/h. Do you have a faster e-bike? In that case you'll need a scooter number plate and a tax sticker. With us, you can protect your vehicle with a partially comprehensive insurance policy.
Did you already purchase your season ticket for your skiing trips or pay your membership for a gym or swimming pool? Due to an accident or a lengthy illness you are no longer able to make use of your long-term or season ticket. In these cases the Assistance insurance will cover your costs. This way, you save yourself the financial frustration.
If your bike, skis or golf clubs are stolen or damaged while you're out and about, your standard household contents insurance will not apply. With the additional insurances «all risks» and «simple theft out-and-about«, such cases are nevertheless covered and you are compensated with the value as new in case of a claim. These elements are available as part of the household contents insurance.
Of course you can't always be there to keep an eye on your four-legged friend. Whether it's walking, playing, romping around with other animals or even at home, accidents can happen quickly. Unfortunately, a simple injection is often not enough. Veterinary treatment can be very expensive. Nina protects herself from the financial consequences of her precious dog «Jack» becoming ill or having an accident thanks to the additional insurance for animals in her household contents insurance. Ultimately, she only wants what’s best for her faithful companion. If you haven't insured your household contents with us, then you can conclude a separate pet insurance policy.
Are you the proud owner of a vintage or a classic car? To enable you to really enjoy your summer outing, we recommend you conclude a vintage car insurance. As part of the partially comprehensive cover, this also covers scratches and stains on the paintwork, for example, as well as glass breakages on the vehicle or damage during transportation of the vehicle. Spare parts up to 20% of the maximum compensation are likewise covered.
Regardless of whether you're out and about as the captain of a sailing or a motorboat, liability insurance is compulsory. This applies for sail boats with sails of up to 15 m2 and for motor-powered vessels. Are you looking for comprehensive protection against theft, damages such as fire or natural hazards (storm, hail and flooding) or even against collision damages when you are at fault? In that case we recommend partially comprehensive cover or fully comprehensive insurance.
During his skiing holiday Christian collides with another skier on the piste. The other skier is injured and she has to be transported to hospital by the rescue services. What's more, the skier's safety equipment was also damaged in the collision. As a consequence, the woman is unable to take care of the household of her family of four for three months. Thanks to the private liability insurance, the costs for medical treatment, home help and to replace the damaged ski equipment are covered.
Christian is not a big fan of high-risk sports. Nevertheless, there is always the chance that something could happen in his free time, sometimes with serious consequences. With the earning disability pension, he can provide himself and his family with the necessary substitute income if he were to become unable to work due to an illness or accident. This way, he is able to ensure his family is financially secure and will be able to maintain the standard of living they are used to.