Water damage to a neighbour, a bike scratching a car: without personal liability, your entire assets are exposed. Here's how to cover yourself properly.
Personal liability covers the damage you or your household unintentionally cause to others. In Switzerland, your liability can be engaged with no legal cap, so good cover is essential.
A cover sum of CHF 5 million is generally recommended in Geneva. We check that yours is sufficient.
No, but going without it can be very costly. It's strongly recommended, and sometimes required by property managers.
Personal liability comes into play in a host of small everyday accidents, far more often than people imagine. It's one of the best protection/price ratios in insurance.
Yes, personal liability generally covers the whole household living under the same roof. We check that your household is properly included.
Damage caused to a third party can reach considerable sums, especially in the case of bodily injury. That's why a sum insured of several million francs is strongly recommended: the premium difference is tiny, the protection difference is major.
Also check cover for gross negligence and pet keeping: these are where cheap contracts show their limits.
No: it covers damage caused to others. Damage to your own belongings falls under home contents insurance. The two are complementary, which is why they're often taken out together.
We compare the offers and check your cover amounts.
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