Insurance benefits
Basic insurance
Supplementary insurance
Exclusively from an insurance advisor
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
- Youth discount: If you are aged from 18 to 25, you benefit from a 20% discount on your household contents (excluding damage caused by natural hazards) and a 30% discount on private liability insurance.
- Newcomer discount: If you are aged from 26 to 30, you benefit from a 10% discount on your household contents (excluding damage caused by natural hazards) and a 20% discount on private liability insurance.
- 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.
- 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.
- 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.
Please refer to our factsheet, AVBs or your personal policy for the exact sums insured and further details.
Information and frequently asked questions about the Personal Liability Insurance
Does the family personal liability insurance apply to children over the age of 18 who live in the same household?
Yes.
What is personal liability insurance?
Personal liability insurance is traditionally often concluded together with household contents insurance, but substantively has nothing to do with it. This is because you do not insure any objects with it; liability insurance instead covers particular claims in your personal life for which you have statutory liability. These include claims for which you are liable vis-a-vis third parties, because you unintentionally run into someone with your bicycle, carelessly knock over a valuable vase of an acquaintance or accidentally spill a glass of water over his laptop. Due to statutory liability provisions – so-called causal liabilities – you can also be held liable for claims caused e.g. by your children or pets. In addition, tenant claims are also covered in the personal liability insurance, i.e. damage and destruction of your personally occupied rental property.
Does it make sense to take out household contents/personal liability insurance for roommates living in a shared apartment on an individual or collective basis?
Since roommates in a shared apartment can always change (moving in and out), we always recommend that you take out household contents and private liability insurance on an individual basis. Otherwise, the person moving out no longer has any insurance coverage.
Is damage caused by my pets also covered by personal liability insurance?
Yes, as a pet owner, you are insured against damage caused by your pet at no extra cost. For tenant damage in particular, your cover does not include damage due to wear and tear (e.g. cat scratches on door posts).
Is the personal liability insurance valid worldwide?
Yes.
Does this additional cover apply to damage to used third-party motor vehicles when abroad?
The insurance is valid worldwide. Please be aware that this insurance is only valid up to a maximum usage of 25 days per calendar year. Rental motor vehicles are not insured. As such, we recommend that you take out the “Insurance for rental cars and carsharing”.
Downloads
Living guide
Neighborhood disputes: What you need to know now
Conflicts with neighbors are stressful and cost time and money. We explain your rights – and how to achieve a peaceful resolution.
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As a result, you enjoy all-round protection at home.
Household insurance covers household contents insurance and personal liability insurance and is the basic insurance for your home.
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When the vase gets smashed
Minor misfortunes can have expensive consequences. The seven most important reasons why it pays to have personal liability insurance.
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