Personal Liability Insurance

Personal Liability Insurance

Coverage if you cause damage or injury to another person

A big splash of paint on the wall of your rented apartment or a broken window in your neighbor's house? Thanks to personal liability insurance, a mishap does not have to be a disaster. Zurich will cover the costs if you cause damage to other people or their property – anywhere in the world. Family members in the same household travel more cheaply with a joint policy. Calculate the premium for you and your loved ones easily online.

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The whole family covered

Your kids are creative. How nice! However, it’s not so great if they choose the wall of the vacation apartment as their canvass. The fact is that damage caused by children is among the most frequent liability cases. So it's worth including all family members in your household in your insurance. Incidentally, family insurance also includes children living in the family home who are already working.

Your reward for claim-free years

Actually, you did not need any insurance. After all, one year followed another without you having to make a claim. It's great that you're so careful. We reward that. Your deductible is waived after three years. You might be glad of that some day. Should you suffer a mishap, at least it will not cost you anything.

Young adults get a discount of up to 30 percent.

You are young and you hardly worry at all about things that might happen to you? You're right not to. Enjoy life, but take out insurance – just in case. Young adults get full protection at the best price from Zurich. We offer a 30-percent premium discount to under 25s and 20 percent to under 30s.

BENEFITS AT A GLANCE

  • Damage that you cause to other people and their property is covered.
  • If you wish, all those living in the same household are covered – the whole family, partners and housemates.
  • The deductible is waived after three claim-free years.
  • If you agree a no-claims bonus, you get 15 percent of the premiums back after three claim-free years.
  • Young adults up to 30 years of age get generous discounts.
  • If you already have a motor vehicle or life insurance policy with Zurich, you pay lower premiums.

Basic insurance

  • Bodily injury: Someone is injured by you, suffers harm to their health or dies.
  • Property damage: You destroy someone else's property.

Attractive terms for young adults and families

  • Until your 25th birthday, you will benefit from a 30-percent premium discount.
  • If you are between 25 and 30 years old, we will give you a 20-percent premium discount.
  • If you already have motor vehicle or life insurance with Zurich, we will give you a discount of up to 10 percent on the total premium. 
  • If you remain claim-free for three years, you will get back 15 percent (if so agreed) of the premium paid and you will no longer pay a deductible.

Zupplementary insurance

  • Gross negligence waiver: We cover the costs of the damage, even if you are guilty of gross negligence – for example if you pass a red traffic light on your bike and cause an accident as a result, or if you cause a fire because you went to sleep with a lit cigarette.
  • Driving a third party's motor vehicle weighing up to 3.5 metric tons: If you occasionally drive an acquaintance's car or motorcycle, we will cover the damage that you cause them.

Exclusively from an insurance advisor

  • Find out about supplementary insurance for hunting, horse rental or a secondary occupation with a gross income of over 6,000 Swiss francs.
  • Teacher PLUS: Protect yourself, your students and your companions on excursions and at school camps.
  • Recourse protection for teachers and police officers: Insure yourself against the event that professional indemnity insurance will not meet a claim and your employer intends to make you liable to recourse.

Overall score of 5.2 in the "Comparis" private liability and household insurance test

Comparis.ch conducted a survey on customer satisfaction with the Swiss private liability and household insurance companies in collaboration with the market research institution GfK. Zurich achieved a good overall score of 5.2 (test: 05/2018). 

Optimum protection for young adults

Zurich offers you many advantages – especially if you are under 30. Key information at a glance:

  • Young adults benefit from a premium discount of up to 30 percent.
  • Drones up to 30 kilograms are automatically included.
  • The deductible is waived after three claim-free years.
  • With the "Gross negligence waiver" supplement, you receive the full insurance benefit in the event of damage caused through gross negligence.
75%
of personal liability customers also take out contents insurance.
85%
of personal liability customers choose a sum insured of five million Swiss francs.
25%
of customers take out insurance online.

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Protecting your bike

To ensure that everything runs smoothly, Zurich Bike Insurance helps out in every event – in the case of punctures or financial loss. We cover the costs if your bike is stolen or damaged.

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Playing it safe with everything at home

We cannot replace your favorite possessions, but we can provide their replacement value. Our contents insurance protects you against financial loss in the event of damage resulting from lightning, fire, water or theft.

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Protection for irreplaceable items

A piece of jewelry, a painting or a musical instrument: our valuables insurance provides financial compensation for your most treasured possessions.

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