Contents Insurance

Yes, if theft insurance was selected as part of contents insurance, the claim will be covered. For theft outside, e.g. during the holidays, the additional cover "simple theft outside" or "super theft" is required.

Bikes and pedal-assisted e-bikes capable of speeds of up to 25 km/h are covered under the household contents insurance, but the coverage and sums insured included often do not provide sufficient protection. Bikes are usually lost or stolen outside the house and the household contents insurance only pays if the "simple theft outside the home" supplement is included. However, this is often only the case up to a sum insured of CHF 2,000. Besides, damage due to an accident or a fall is often not covered or limited to a sum insured under the sports equipment or accidental damage to contents insurance. A supplementary bike insurance is therefore worthwhile, especially in the case of expensive bikes or e-bikes. Pedal-assisted e-bikes capable of speeds of up to 45 km/h are only insured under the household contents insurance with the supplementary cover "Motorcycle and electric motorcycles". These fast e-bikes can also be insured under the bike insurance.

Yes, cash is insured up to a maximum of CHF 5,000, in the event of a fire or break-in, for example. However, in the case of a confidence trick, such as theft of your wallet in a restaurant for example, the cash is not insured.

You can take out additional insurance coverage for "Simple theft outside the home." Because not only can your cellphone be stolen; it could be dropped, hit, drowned in coffee or left out in the rain. The additional module "Accidental damage to electrical equipment" is there for just such damage, whether it was inflicted by you or someone else. In contrast to basic cellphone insurance, your tablet, TV and gaming PC are also protected – in each case with a deductible of at least CHF 200.

At Zurich, you can protect your luggage with additional "Super theft" coverage, the improved version of "Simple theft outside the home." Alongside loss or damage resulting from theft outside of the home (e.g. theft of a bicycle), "super theft" provides cover for damage to or loss of luggage for distances of more than 50 km away from your fixed residence or in the event of at least one overnight stay away from home. In addition, the agreed upon sum insured is automatically doubled in such cases.

Usually it is more inexpensive to include the supplementary insurance for "accidental damage to sports equipment" in the contents insurance. This supplementary insurance covers, not only ski breakage, but damage to other sports equipment (including bicycles of a value of more than CHF 1,000).

Personal liability insurance is often taken out together with contents insurance. This insurance is definitely recommended: it is there for damage that you mistakenly inflict upon others – if you were to stumble, for example, and knock an antique vase off its pedestal or put a burn in the carpet of a hotel room. If something "stupid" happens, so to speak.

But there are also situations that should not happen: for example, if you run a red light on your bicycle and injure a pedestrian or if you light a candle, then leave the house and the building catches fire. Such behavior is considered gross negligence – and in such cases insurers have the right to reduce their benefits.

Tip: Be sure to include gross negligence cover with your personal liability. After all, who can completely rule out the possibility of something really stupid happening to them? The extra few francs are a good investment and ensure that you receive the best possible protection – even if your mind was somewhere else entirely for a moment.

The additional module "accidental damage to electrical equipment" in contents insurance provides comprehensive coverage for all electrical devices in the household, from your mobile phone, tablet and TV to gaming PC. Irrespective of whether your mobile phone is stolen, the tablet is dropped or you accidentally spill coffee over the laptop - loss, damage and destruction are covered and equipment is replaced up to an amount of CHF 2,000, always with a deductible of at least CHF 200. It makes no difference whether you caused the damage yourself or someone else.