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Sure: Household Insurance
The following customer information provides an overview of the insurance company and the main content of the insurance contract. The rights and obligations of the contracting parties are derived definitively from the contract documents (application/offer, policy, insurance conditions), and the applicable laws, particularly the Swiss Federal Law on Insurance Contracts (LIC).
Zurich Insurance Company Ltd, which has its main office at Mythenquai 2 in 8002 Zurich («Zurich»), and is supervised by FINMA, the Swiss Financial Market Supervisory Authority (Laupenstrasse 27, 3003 Bern).
The insured risks and the scope of the insurance coverage follow from the contractual documents and are restricted by the exclusions listed there.
The household contents insurance essentially protects against the following risks:
Zurich generally reimburses the new replacement value of items that have been damaged or lost as a result of insured events.
The maximum indemnity per event of a loss and the applicable deductible are specified in the policy or in the General Conditions of Insurance (GCI).
Important exclusions include the following:
The exact scope of benefits and all applicable exclusions can be found in the General Conditions of Insurance (GCI) and any other contractual documents.
We offer the following supplementary insurance policies among others:
The personal liability insurance protects insured persons’ assets against the financial consequences of legal liability claims by third parties in the event of personal injury and property damage. Also insured are financial losses, which can be attributed to an insured bodily injury or insured property damage inflicted upon the injured party.
The benefits consist of indemnification for justified claims and defense against unjustified claims.
Important exclusions are as follows:
The exact scope of benefits and all applicable exclusions can be found in the General Conditions of Insurance (GCI) and any other contractual documents.
We offer the following supplementary insurance policies, among others:
This Household Insurance provides insurance on an indemnity basis. The loss that arose out of the insured event is decisive for justifying and determining the amount of the insurance benefits.
The premium amount due depends on the insured risks and the desired level of insurance coverage. The contractual documents include all information about premiums and any applicable fees.
The sum insured for household contents is subject to an annual automatic adjustment, which may result in a change in premium. More detailed information can be found in the General Conditions of Insurance.
Zurich can adjust the premium and the insurance conditions for a new insurance year. In this case, the policyholder has a right to terminate the insurance policy according to the insurance conditions.
The insurance conditions and the LIC determine the obligations. Important obligations are, for example:
Insurance coverage begins on the date specified in the policy.
The contract is generally terminated by way of ordinary termination. Either contracting party may cancel the insurance contract with a notice period of 14 days to the end of any month. If the contract is not terminated upon expiration or at the end of the following insurance year, it is automatically extended by one year. Notice of termination shall be deemed to have been given on time if it is received by the other contracting party at the latest on the last day before the 14-day period begins.
The contractual terms and conditions and the LIC contain other possible termination options.
The insurance coverage applies to damage occurring during the insurance term (after the start of the insurance and before the end of the contract) or, in the case of private liability and building liability, to damage caused during the insurance period.
Zurich processes data relating to natural persons (personal data) in connection with the conclusion and the performance of contracts and for other purposes. More information on this processing (inter alia the purposes, the data recipients, the storage and the rights of the data subjects) can be found in the privacy policy of Zurich. This privacy policy can be accessed at www.zurich.ch/data-protection or obtained by contacting Zurich Insurance Company Ltd, Dataprotection, PO box, 8085 Zürich, datenschutz@zurich.ch.
The policyholder may revoke their application to conclude the contract or the declaration to accept it in writing or in another form that makes it possible to provide proof in text form within 14 days.
The policyholder shall have complied with the deadline if they give notice of cancellation to Zurich on the last day of the cancellation period or post the notice of cancellation on this day.
Edition 09.2022-SC
The wording of the German original shall take precedence.
The scope is based on the chosen insurance solution.
This contract shall be governed by Swiss law, including particularly the Swiss Federal Law on Insurance Contracts (LIC).
Insurance coverage begins on the date set out in the policy.
Each contracting party may cancel the insurance contract with a notice period of 14 days to the end of any month. If the contract is not terminated upon expiration or at the end of the following insurance year, it is automatically extended by one year. Notice of termination shall be deemed to have been given on time if it is received by the other contracting party at the latest on the last day before the 14-day period begins.
Notice of termination must be given in writing or in another form that allows for verification with text.
The first insurance year lasts from the start of the insurance until the expiration date stated on the policy. The further insurance years last twelve months from the respective premium due date.
The insurance proposal issued by Zurich and filed as application by the policyholder affords temporary insurance coverage from the start date per the proposal until the date on which the policy is delivered or the proposal is rejected, subject to a maximum period of 30 days.
Damage is not covered which at the time of application filing
If the policyholder relocates his/her place of residence outside of Switzerland, the insurance coverage expires no later than the date of deregistration with the competent authority.
The premium is based on the information provided by the policyholder and the agreed scope of insurance. If one of these factors should change (age not included), Zurich must be notified immediately; Zurich is entitled to amend the contract to take account of the changed factors.
Zurich is entitled to amend the contract (e. g. increase premiums, adapt General Conditions of Insurance or change deductible regulations) with effect from the following insurance policy year.
Zurich shall inform the policyholder of the new premiums or contract conditions no later than 25 days prior to the expiration of the insurance year. The policyholder shall then have the right to cancel the insurance contract either in its entirety or partially related to the portions affected by the change until the end of the current insurance year. Notice of termination must reach Zurich no later than the last day of the insurance year. If the contract is not cancelled, the changes to the insurance contract shall be deemed to have been accepted.
The following are not considered grounds for termination:
The premium is collected by Swisscom (Switzerland) Ltd for Zurich. The premium must be paid by the date stated on the Swisscom monthly invoice (expiry date).
If the policyholder does not meet their payment obligation, they will be requested to pay and must also pay dunning costs of CHF 30 per reminder, as well as interest on arrears and other costs incurred as a result of the delay in payment.
If the policyholder pays only part of the amount of the Swisscom monthly invoice, this partial payment will be used in advance to repay or offset claims of Swisscom (Switzerland) Ltd from the telecommunications sector and its other claims.
Zurich may assign the premium claims to Swisscom (Switzerland) Ltd and reserves the right to cancel the contract after an unsuccessful reminder.
If the contract is cancelled prematurely, Zurich shall reimburse the premium for the non-expired insurance term. Zurich reserves the right to settle any other open demands arising from this contract.
The deductible will be subtracted from the indemnity.
If more than one deductible is owed from the same event, the deductible is only applied once per contract, in such a case, the highest deductible is applied if there is a difference in the respective deductible amounts.
This regulation excludes damage caused by earthquakes and volcanic eruptions.
For damage, which falls under statutory natural hazards insurance, the statutory provisions apply.
The agreed deductibles shall be waived if the entire contract has run for three full insurance years without any claims.
The only exceptions to this arrangement are:
If benefits are claimed in the event of a loss, the deductibles agreed in the policy shall apply again from the date when the event of a loss is reported. The new period begins with the insurance year that follows the date when the event of a loss is reported.
Upon occurrence of the insured event, the claimant is obliged to:
In case of theft, the insured person must also
In case of damage, theft, or loss of baggage during transport, the insured person must also
The insured persons are obliged to exercise due diligence and to take circumstantially prudent measures for the protection of the insured property against insured damage.
A breach of obligations or obligations of due diligence may lead to the rejection or reduction of the indemnity amount. These consequences do not occur if the policyholder or entitled claimant proves that the breach must be considered non-culpable in view of the circumstances or that the breach had no effect on the occurrence of the loss and amount of insurance benefits payable. A premium payment missed as a result of the insolvency of the premium payer will be considered a culpable act.
Following every event of loss for which benefits are payable, the policyholder may cancel the contract no later than 14 days after learning of the payment of the indemnity. Zurich may cancel the contract no later than upon payment of the indemnity. If one of the parties terminates the contract, insurance coverage shall end 14 days after the other party receives the notice of termination.
All notifications can also be sent to Swisscom (Switzerland) Ltd in a legally valid manner via the following contact options:
Zurich reserves the right to adjust the contact options after prior notice.
All notifications can also be delivered in a legally valid manner via the following channels:
The policyholder or claimant may select one of the following as the place of jurisdiction for disputes arising from this contract:
Zurich does not provide coverage and is not obliged to make payments or provide benefits or services if applicable economic, trade and financial sanctions would be violated.
If the sum insured is less than the replacement value, the loss shall be indemnified only in the proportion which the sum insured bears to the replacement value, which, results in the amount of indemnity being reduced accordingly, including in the event of partial losses.
Zurich shall not raise objections on the grounds of underinsurance as long as the claim amount does not exceed 10% of the sum insured or CHF 30’000, whichever is less. The waiver does not apply to damage, which falls under statutory natural hazards insurance.
With insurance on a first-risk basis, losses shall be indemnified up to the amount of the agreed sum insured, regardless of underinsurance.
The claimant shall be required to prove the event of a loss. The sum insured shall not constitute any proof of either the existence or the value of the insured property at the time of occurrence of the loss.
The insured benefits also include loss minimization costs. If they, together with the indemnity, exceed the sum insured, loss minimization costs are only paid if they were initiated by Zurich. No indemnity shall be paid with regard to the deployment of the fire department, the police or any other parties obligated to assist.
If the compensation determined by all insurers for an insured event for a single policyholder exceeds CHF 25 million, the indemnities shall be reduced to this amount. The possibility of a further reduction is reserved pursuant to the following provision.
If the compensation determined by all insurers for an insured event in Switzerland and in the Principality of Liechtenstein, exceed CHF 1 billion, the indemnities payable to the individual beneficiaries shall be reduced such that the aggregate amount does not exceed this amount.
Indemnities for damage to household contents, movable property and buildings shall not be added together for the limitation of benefits mentioned above. Losses separated in time and space shall be regarded as one occurrence if they can be traced to the same atmospheric or tectonic cause.
These limitations of benefits apply in the scope of mandatory statutory requirements for casualty insurance against natural hazards. Upon changing the statutory limitations of benefits the limitation of benefits applying at the time of the event of loss has precedence.
Zurich may also pay compensation in kind at its discretion.
If the owner of the property insured under the insurance contract changes, the rights and obligations resulting from the insurance contract shall pass to the new owner.
The new owner can refuse transferal of the contract via declaration in writing or in any other form ensuring textual documentation within 30 days of the change of ownership.
The insurer may cancel the contract within 14 days of learning of the new owner. The contract shall end no earlier than 30 days following cancellation.
Household contents are insured at the new replacement value up to the sum insured listed in the policy. This sum must correspond to the total amount required for the replacement of all insured items together at the new replacement value.
Occurrences of loss that occur during the period of insurance are insured.
The insurance coverage is valid at home, i. e. at the location listed in the policy and/or at the location in accordance with Art. 102.2.1 b). If multiple locations are insured in the same policy, home shall be the location at which the affected insured property is assigned to.
The insurance coverage applies worldwide for insured property, which is temporarily, but not longer than 2 years, located outside from “at home” in accordance with Art. 102.2.1.
The insurance covers the policyholder and all persons who live with him in the same household or are away during the week/ weekend but regularly return to his household on weekends/ during the week.
Insured are:
This comprises:
The following are separately and additionally insured, each with their own respective sum insured:
I. e. money, securities, savings books, precious metals (held as reserves, bullion or merchandise), non-personalized subscriptions, tickets and non-personalized coupons, coins and medals, loose precious stones and pearls that are the private property of the insured persons and not owned by a business.
I. e. guests’ personal effects (excluding cash assets and jewelery) and movable entrusted property of third parties designated for private use.
The insurance does not cover
Regardless of cause, excluded from insurance coverage are losses connected directly or indirectly with:
Damage directly connected with the following is also excluded from coverage:
These exclusions do not apply to statutory natural hazards insurance.
The following events can be insured as part of «CLASSIC» and/ or «ALL RISK» insurance benefits. The agreed insurance benefits and the insured events are listed in the policy:
The insurance shall cover:
Damage to live electrical machines, equipment and cables caused by the effect of the electrical energy itself is not insured.
The insurance covers damage caused by flood, inundation, storms (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides.
The loss of insured property as a consequence of such events is insured.
The damage, destruction and loss of insured property as a direct and indirect result of earthquake or volcanic eruption are insured.
Amending the general exclusions per Art. 106, losses from looting following an earthquake or volcanic eruption are also covered.
Earthquakes are defined as the large-scale movement of the earth’s surface that is triggered by tectonic processes in the earth’s crust and earth’s upper mantle. In case of uncertainty as to wh ether the occurrence was an earthquake, the assessment of the Swiss Seismological Service (SED) is decisive.
Volcanic eruptions are defined as the release of pressure upon the bursting open of a fissure involving lava flows, eruption of ash and/or the release of other materials and gases.
All earthquakes and volcanic eruptions occurring within 168 hours of the first tremor or eruption responsible for the damage constitute a single occurrence of loss.
All occurrences of loss whose start occurs during the period of insurance are covered.
If Zurich provides services for which the claimant has a benefit entitlement against third parties, these claims shall be assigned to Zurich at the time of provision of the services under this contract.
If statutory insurance coverage for earthquakes or volcanic eruptions applies under a cantonal insurance scheme, a claim may be filed under this contract for any damage not covered under that scheme.
In amendment of Art. 2.1, either contracting party may terminate the “earthquakes and volcanic eruptions” coverage with three months’ written notice effective at the end of the respective insurance year, or in any other form ensuring textual documentation.
The insurance covers losses due to the following events, if they are conclusively proven by forensic evidence, witnesses or on the basis of the circumstances:
Burglary refers to the theft of property by perpetrators who use violence to enter a building, force entry into a room in a building, or forcibly enter locked containers situated inside a room.
Theft facilitated through the unlocking using the correct keys or codes shall be regarded on a par with burglary insofar as the keys or codes were obtained by the perpetrator through burglary or robbery.
Robbery refers to the theft of property by using or threatening to use violence against the insured persons, as well as theft committed when there is an inability to resist as a result of injury, unconsciousness or death.
The insurance covers theft which is considered neither robbery nor burglary. This would also include the manipulation of locking systems where no building damage incurred.
Not insured is simple theft
The insurance covers contents losses caused by malicious damage, even without theft, if the perpetrator entered the insured premises without authorization.
Theft from locked vehicles is considered simple theft.
The insurance does not cover losses due to the loss or mislaying of property.
The insurance covers damage caused by:
The insurance also covers:
The insurance shall not cover damage:
The insurance covers loss, damage and destruction.
The insurance does not cover:
For household contents, guests’ personal effects and entrusted property, the claim shall be calculated on the basis of the amount needed to purchase items at the new replacement value at time of the event of a loss (= replacement value), less the value of the remains. Personal sentimental value is not considered. In the event of partial loss, the claim will be calculated on the basis of the repair costs, but not in excess of the replacement value.
The sum insured forms the limit of indemnity, unless special benefit limitations are applicable. For damage within the scope of application of the statutory natural hazards insurance, the statutory provisions as listed in Art. 17 shall apply.
This restriction does not apply:
Any property which is subsequently recovered shall be handed over to Zurich or the indemnity paid reimbursed.
The following costs incurred as a result of insured damage at home (at the location) as defined in Art. 102.2.1 are insured (excluding glass breakage as defined in Art. 405). The benefit per type of cost shall amount to 10% of the sum insured for household contents, but no less than CHF 5’000 per type of cost, unless a higher sum insured has been agreed (excluding cost type e)). The maximum indemnity for cost types a)–d) combined shall be CHF 50’000:
These shall be determined on the basis of the costs arising from the inability to use damaged rooms as well as the loss of income derived from letting or subletting. Any costs saved will be deducted.
These shall be determined on the basis of the actual costs of removing the debris of insured property from the site of the loss and transporting it to the nearest suitable waste disposal site, including the deposit and destruction costs. Costs for the possible decontamination of insured property and the extinguishing water are also insured.
These shall be determined by the actual costs of carrying out the measures taken.
These costs shall be decided by the actual costs of altering or replacing locks at the locations indicated in the policy and to safe-deposit boxes rented by the claimant, including the relevant keys.
For other costs, which are verifiably attributable to insured damage at home (at the location), the maximum additional benefit shall be CHF 500. The increase or the reduction of the sum insured has no influence on this benefit limit.
In the event of damage to the building caused by an insured theft or a proven attempted theft, the costs of repair are covered, provided that these must not be covered by separate insurance.
The deductible for damage caused by natural hazards amounts to CHF 500 per event.
The deductible for damage caused by earthquakes and volcanic eruptions amounts to 10% of the loss amount, or a minimum of CHF 1’000 per event.
The deductible amounts to CHF 200 per event, unless another deductible is defined in the policy.
For the following damage caused by natural hazards, the deductible amounts to CHF 500 per event: Flood, inundation, storms (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides.
For all other losses, the deductible amounts to CHF 200 per event, unless another deductible is defined in the policy.
The contract may include the following supplementary insurance if agreed and stipulated in the policy.
In addition to the conditions of this supplementary insurance, the respective conditions of household contents insurance, buildings insurance and movable structures insurance also apply – in particular the conditions on “Insured Property”, “Uninsured Property” and “Generally Uninsured Events” – provided that the individual supplementary insurance is not regulated otherwise.
Occurrences of loss that occur during the period of insurance are insured.
The insurance covers property which is insured in the household contents insurance up to the agreed sum insured on a first-risk basis against simple theft in the external insurance in accordance with Art. 102.2.2.
If several locations are insured in the same policy, simple theft outside the home applies to insured property of all these locations.
The insurance does not cover cash assets or losses due to the loss or mislaying of property.
The deductible amounts to CHF 200 per event, unless another deductible is defined in the policy.
If several locations are insured in the same policy, the insurance coverage applies to insured property of all these locations.
The insurance covers property which is insured in the household contents insurance up to the agreed sum insured on a first-risk basis against simple theft in the external insurance in accordance with Art. 102.2.2.
The insurance does not cover cash assets or losses due to the loss or mislaying of property.
The agreed sum insured on a first risk basis is doubled for super theft, and alongside the coverage in accordance with Art. 403.1.1 (with likewise double the sum insured), additionally the following scope of insurance applies to all insured household contents taken traveling, provided that:
or
The insurance coverage is valid worldwide and begins upon commencement of the journey after leaving the home and ends upon return with entry into the home.
The deductible amounts to CHF 200 per event, unless another deductible is defined in the policy.
If simple theft outside the home, super theft or all risk have been agreed, the loss of keys is also insured.
In the event that keys or codes, cards for electronic access systems (badges) and the like are lost, the cost of changing or replacing locks (including emergency locks) and the relevant key at the locations indicated in the policy is covered up to 50% of the agreed sum insured for simple theft outside the home, to a maximum of CHF 4’000. The following also applies:
If the costs for emergency locks exceed the sum insured, the supplementary “Home Assistance” insurance can also be utilized, if this was included in the contract.
The loss of keys to leased safe deposit boxes is also insured within the same scope.
The deductible for the theft and/or all risk insurance applies.
Not insured are keys, codes, badges etc. for business facilities and vehicles.
This supplementary insurance is valid at the contractually agreed location.
The insurance coverage shall be based on the following variants depending on the agreement:
As a tenant or condominium owner, the insurance coverage only applies for the premises that are personally occupied, including adjoining rooms.
In the event of damage to individual wall or floor tiles, the replacement of the other tiles is also covered where necessary. For wall tiles, façade linings and wall claddings, the indemnity payments are limited to the affected wall area, or to the floor area of the affected room for floor tiles.
As a tenant or condominium owner, the insurance coverage only applies for the premises that are personally occupied, including adjoining rooms.
Where specifically agreed, this supplementary insurance pursuant to variants b) and c) in the buildings insurance shall only apply to commonly used rooms.
The following shall generally be excluded from glass breakage insurance:
For mobile homes, caravans, apiaries and garden and allotment chalets, the “All glass” variant shall exclusively insure losses or damages due to breakage involving glazing in furniture, windows and roof openings made of glass, acrylic glass or similar plastics.
The benefit depends on the selected variant:
First risk
In the event of a loss, the costs of repair or replacement shall be indemnified up to the agreed sum insured for each damaged or destroyed item of property. Transport costs, debris removal costs and costs for emergency glazing are taken into consideration, if they are included in the sum insured.
Flat rate
In the event of a loss, the actual costs that arise for replacement and emergency glazing as well as transport and debris removal costs are covered to a maximum of the agreed sum insured for the household contents or building.
No deductible is payable for glass breakage.
The supplementary insurance applies worldwide.
This supplementary insurance covers the following depending on the agreement:
Accidental damage to contents
Items belonging to the insured household contents up to the agreed sum insured on a first-risk basis.
Accidental damage to electrical equipment
Items belonging to insured household contents which require electrical energy to operate (connection to the mains or battery), up to the agreed sum insured on a first-risk basis. This includes e. g. laptops, smartphones or electric motorcycles, for which no liability insurance is legally required.
Accidental damage to sports equipment
Sports equipment belonging to the insured household contents (e. g. fitness equipment, roller blades, snow boards, skis) as well as items of equipment used to protect against injury in the course of sports activities (e. g. protective clothing for fencing, crash helmet), up to the agreed sum insured on a first-risk basis.
Bicycles and electric motorcycles belonging to the insured household contents with a catalog price of more than CHF 1’000 are considered sports equipment.
The insurance covers unforeseen and sudden damage or destruction as a result of violent external effects.
This contract does not cover:
The deductible amounts to CHF 200 per event, unless another deductible is defined in the policy.
The supplementary insurance coverage applies at all locations stated in the policy.
The insurance covers damage to food stored in freezers for private consumption by insured persons should it become inedible due to an unforeseen failure of the cooling unit.
The insurance provides coverage up to the agreed sum insured on a first-risk basis.
No deductible applies in the event of damage to frozen goods.
The insurance shall apply to losses that are caused during the period of insurance.
The insurance is valid worldwide except as otherwise stated.
The insurance covers the policyholder alone (individual person) or the policyholder and all persons who live with him in the same household or are away during the week/weekend but regularly return to his household on weekends/during the week (family insurance).
The insurance also covers:
In the event of marriage, the establishment of a registered partnership or a domestic partnership, the insurance coverage also applies to the persons living in the same household for a period of one year.
The insured persons are insured for the consequences of their actions in private life, for one of the following characteristics but only within the specified scope.
This insurance covers the insured person’s statutory liability for:
Also insured are financial losses, which can be attributed to an insured bodily injury or insured property damage inflicted upon the injured party.
At the policyholder’s request and within the framework of the General Conditions of Insurance, Zurich shall also provide benefits on a subsidiary basis to other insurers where statutory liability does not apply:
The insurance covers the third party liability of the insured persons for damage to the property of third parties which they have taken over or rented for use, safekeeping, transport or for another purpose.
Special coverage limits apply for property damage, as follows:
In addition to the limitations of the scope of insurance in accordance with Art. 613, the insurance does not cover:
In connection with the use of a motor vehicle owned by a third party, the following scope of insurance applies:
For damage occurring abroad, the maximum benefit shall be CHF 2 million.
The insurance extends to claims against insured persons as drivers of bicycles and motorcycles, if no compulsory liability insurance is legally required.
If compulsory liability insurance exists, the insurance covers the claims for the part of the damage that exceeds the sum insured by the compulsory insurance.
Where the legally prescribed insurance has not been taken out, or where the driver does not have the legally required driver’s license, claims shall not be insured.
For losses occurring abroad, the maximum liability shall be CHF 2 million.
The insurance covers the insured person’s third party liability as the keeper or user of ships, surfboards, aircraft and flying objects of any kind for which liability insurance is not prescribed by law.
In the case of compulsory insurance, the third party liability as the keeper of model aircraft up to a maximum weight of 30 kg is also insured.
The insured person must ensure that tank installations are serviced by specialists within the statutory or officially prescribed period. Breakdowns must be rectified immediately and the necessary repairs and inspections must also be promptly performed. If these maintenance requirements are not met, the insurance coverage shall cease.
The insurance does not cover the costs of finding leaks, emptying and refilling installations, or the cost of repairs and alterations to the installations.
The insurance covers the statutory liability for bodily injury and property damage arising in connection with environmental impairment, if this results from a single, sudden, unforeseen event that demands immediate action such as notifying the relevant authorities, alerting the public, or taking action to prevent or minimize losses.
Environmental impairment shall constitute sustained damage to the natural state of the air, water (including ground water), soil, flora or fauna by emissions, provided that this damage may have or had damaging or other effects on human health, property or ecosystems. “Environmental impairment” also includes the circumstances defined by law as “environmental damage”.
Limitations of the scope of insurance
The insurance does not cover third party liability for damage which is attributable to several events occurring together that are similar in effect (e. g. occasional drips of damaging substances penetrating the ground, repeated spillage of liquids from mobile containers) which trigger immediate action as described above, provided such action would not be necessary for single incidences of this kind.
The environmental impairment itself and claims in connection with contaminated sites are excluded.
If, as a result of an unforeseen event, the occurrence of an insured loss is imminent, the insurance also covers those costs which the insured person incurs in taking appropriate measures to prevent this danger. Loss prevention costs are deemed equivalent to property damage.
However, the insurance shall not apply to:
The insurance does not cover:
If expressly agreed, Zurich shall waive a reduction in the insurance benefits due to gross negligence pursuant to Art. 14 (2) and (3) of the Swiss Federal Law on Insurance Contracts (LIC). This shall exclude cases in which the insured person caused the occurrence under the influence of alcohol, drugs or because of the abuse of medicines. Causing an occurrence of loss through willful intent or recklessness shall also be excluded.
The benefits shall consist of indemnity for justified claims and defense against unjustified claims, including interest on losses, loss minimization costs, costs of expert opinions, lawyer’s fees, court costs, arbitration costs and mitigation costs, indemnification of parties and insured loss prevention costs, capped by the sum insured and limits stipulated in the policy and/or in the General Conditions of Insurance.
Zurich shall only handle the event of a loss if the claims exceed the stipulated deductible (subject to Art. 617). Zurich represents the insured person and is entitled to pay damages to the injured party directly and without deducting any deductible.
The insured person is not entitled to acknowledge or settle claims by the injured party without the prior consent of Zurich, or assign claims from this insurance to the injured party or third party prior to their final determination.
In the case of litigation, the insured person must grant the necessary power of attorney to the lawyer designated by Zurich. Zurich shall be entitled to the compensation for proceedings promised to the insured person to the amount of its benefits.
The settlement of the event of a loss by Zurich or a court judgment entered against them is binding for the insured person. The insured person must refund the agreed deductible, waiving all objections.
If an insured person becomes liable in the course of a gratuitous action, Zurich shall waive the assertion of a gratuitous action deduction.
The total of all losses arising from one and the same cause, irrespective of the number of injured parties or claimants, shall be deemed to be one occurrence of loss.
The deductible amounts to CHF 200 per event, unless another deductible is defined in the policy. The deductible is only deducted once for damage caused by tenants.
The following applies where compulsory liability insurance is concerned:
The contract may include the following supplementary insurance if expressly agreed and stipulated in the policy. The provisions of the private liability insurance apply, unless otherwise specified in the individual supplementary insurances.
The insurance covers motor vehicles steered by the insured persons up to 3’500 kilograms in overall weight, motorbikes and nautical vessels, for which liability insurance is legally required. Damage to trailers is insured if they may be towed by passenger cars or other light motor vehicles up to a total weight of 3’500 kg in accordance with road traffic legislation.
The insurance covers statutory liability for damage to insured vehicles as a driver or a legally required passenger for learner drivers for a maximum of 25 days per calendar year, regardless of whether a day at a time or on consecutive days. The maximum benefit for trailers, motorcycles and nautical vessels amounts to CHF 50’000 for each category.
In addition to the limitations of the scope of insurance in the private liability insurance (Art. 613), the insurance does not cover:
Art. 613 lit. g bullet point 5 is replaced as follows:
The following are not covered:
The deductible amounts to CHF 200 per event, unless another deductible is defined in the policy.