car, moto and home Because your property matters.

Transcription

1 car, moto home Because your property matters. Motor vehicle household insurance.

2 Total benefits. Contents Nearly 200,000 customers have already entrusted us with their most valuable possession: their health. Now you can do the same with all the other things you value; is a one-stop shop for your health, household motor insurance. This means that by combining several insurances, you have a clearer picture of your policy cover, reduce red tape save money. In short instead of several products with several different providers, you can now insure everything under one roof. With, you decide how comprehensive you want your cover to be. The stard package is the ideal solution for you if you want high-value insurance at a low price. Or, if you prefer individual more comprehensive insurance cover, you can choose the premium package. Motor vehicle insurance: moto car Car insurance Page 2 Motorbike insurance Page 4 Household insurance: home Personal liability insurance Page 6 Household contents insurance Page 6 Buildings insurance Page 7 Not only is indemnity insurance from trans parent clearly structured, you even have the option of paying your premiums monthly. And if you take out cover for several different areas under one single policy, you can even benefit from attractive discounts. gives you simple, comprehensive smart insurance cover.

3 The total package for your car: car. Cars have become increasingly safer as the years go by. But, at the same time, traffic has increased driving has become increasingly deming. Even a minor collision can incur heavy costs. To make sure you are well insured on the road, we have put together a number of attractive packages for drivers. And, if you combine car motor vehicle insurance with another insurance from, you can benefit from rewarding discounts. car covers: liability losses personal injuries, with the possibility of a disability or education allowance vehicle damage including collisions or theft damage caused by martens, collisions with animals valism parked-vehicle damage extended cover for glass damage incl. indicators headlights plus exclusive cover abroad 24 h breakdown assistance Switzerl Europe car comes in two options: car stard, if you want high-value insurance at a low price car premium, if you prefer individual more comprehensive insurance cover With car, you re on to a winner: pay your annual premium on a monthly basis at no extra charge by direct debit (bank) debit direct (post office) attractive combined discounts of 5 to 10% off indemnity insurance for customers discount for highly environmentally friendly vehicles (Class A) protection of no-claims bonus at all levels the premium package also comes with: purchase price guarantee for up to 12 months car third-party liability insurance. All car owners are required by law to take out third-party liability insurance. This insurance simply covers personal injury property damage inflicted on other road users by your car. In order to adequately cover damage to your own car, we recommend that you also take out partial or fully comprehensive cover with various available options. car partial cover insurance. car partial cover insures against the theft of your vehicle or damage to your vehicle as a result of an attempted theft. It also covers damages arising from fire or natural hazards (e.g. hail, rock falls), damage to windscreens as well as acts of valism on your vehicle. It also covers collisions with animals or damage caused by martens. car fully comprehensive insurance. In addition to partial cover, car fully comprehensive cover also covers you for collisions. This means that any damage that you yourself cause to your own car is also covered. We recommend fully com prehensive cover for newer more expensive vehicles. For older vehicles, this should be considered on a case-by-case basis. If, however, you drive a leased car (usually new), fully comprehensive cover is obligatory. monthly premium payments at no extra charge attractive combined discounts 2 3

4 The total package for your motorbike: moto The total package for your household: home. Even experienced motorcyclists can have an accident. To protect against expensive motorbike repairs, a fully comprehensive insurance solution is often the best. moto motor vehicle insurance also makes the complicated depositing of your licence plates unnecessary (seasonal coverage). You only pay for nine months but are insured for the entire year. And, if you combine moto with another insurance from, you can benefit from attractive discounts. moto insures against the same damages as car. In addition, moto also covers: protective equipment (helmet, protective clothing, gloves) moto comes in two options: moto stard, if you want high-value insurance at a low price moto premium, if you prefer individual more comprehensive insurance cover With moto, you re on to a winner: pay your annual premium on a monthly basis at no extra charge by direct debit (bank) debit direct (post office) attractive combined discounts of 5 to 10% off indemnity insurance for customers Seasonal coverage: drive for 12 months, pay for 9 24 h breakdown assistance across Switzerl Europe the premium package also comes with: purchase price guarantee It happens quickly a window is broken or water damage ruins furniture. You need an insurance partner who can act quickly without fuss. home household insurance is a simple comprehensive solution for tenants owners alike. And, if you combine home with another insurance from, you can benefit from attractive discounts. home covers damage: caused to third parties their property (personal liability) to your household contents to your property home comes in two options: home stard, if you want high-value insurance at a low price home premium, if you prefer individual more comprehensive insurance cover With home, you re on to a winner: pay your annual premium on a monthly basis at no extra charge by direct debit (bank) debit direct (post office) attractive combined discounts of 5 to 10% off indemnity insurance for customers emergency hotline (home assistance) around the clock 5% eco discount for Minergie buildings young people remain co-insured for three months after moving out option of policies for 1 2 persons or family households (you only pay for what you need) monthly premiums at no extra charge attractive combined discounts 4 5

5 home personal liability insurance. A flower pot falls from your window hits a passer-by. Long-term care consequential costs, as well as claims for compensation, can be expensive. home personal liability insurance protects you against claims for personal injury property damage. takes on not only the medical expenses but also any loss of income. Damage to objects you are taking care of for someone else or which you have hired is also covered. home personal liability insurance provides ideal protection for pet owners occasional users of motor vehicles not belonging to them. home household contents insurance. home household contents insurance includes all moveable items in your household, such as furniture, gadgets, clothes, books, etc. It covers damage caused by fire natural hazards (e.g. storms, hail), as well as losses resulting from theft burglary. Water damage broken glass are also covered, as is your travel luggage. home stard provides completely adequate basic insurance cover. If you are looking for comprehensive insurance with maximum coverage, then home premium is the right choice for you. home buildings insurance. In most cantons, it is obligatory to take out buildings insurance with the cantonal building insurer. This covers risks such as damage caused by fire natural hazards. home buildings insurance also covers damage caused by burglaries, water or earthquakes. As the owner of the building or l, you are also liable for personal injury or property damage suffered by third parties on your l or in your property. With s buildings insurance, you can protect yourself from large claims for compensation unforeseeable costs. The map below shows the differences between cantons. Since the regulations can vary significantly, as can your personal requirements, our customer advisors are here to help you put together your insurance cover. Legend: Obligatory, with the cantonal building insurer Not obligatory, freedom to choose any insurance provider Obligatory, freedom to choose any insurance provider Source: SFSO GEOSTAT/L+T (2009) 6 7

6 Be smart combine your insurance save on premiums. Together with monthly premium payments by direct debit (bank) debit direct (post office), you can also take advantage of our package discounts. Taking out combined insurance with means maximum benefits. We offer up to a 10% discount on indemnity insurance options, which are already attractively priced, even before the discount. 2 out of 3 packages 2 out of 3 packages 3 out of 3 packages Not including health insurance with Including health insurance with Including health insurance with home household insurance home household insurance 5% home household insurance 5% or 10% car/moto motor insurance car/moto motor insurance 5% car/moto motor insurance health insurance health insurance Example You hold household motor insurance with us. You receive a 5% discount on each. Example You hold health insurance with us. If you also take out household or motor insurance with us, you receive a 5% discount on indemnity insurance. Example You hold health insurance with us; you also hold household insurance motor insurance with us. You receive a 10% discount on indemnity insurance. 8

7 is a dedicated insurance provider that understs its customers needs takes them seriously. Made-to-measure protection rapid assistance, with no red tape is fresh different. In Switzerl its neighbouring countries, we represent comprehensive, affordable security have a close relationship with our customers; we re based on partnership, we re dynamic, we add value. Families, couples, professionals, young people cross-border commuters benefit from innovative flexible solutions for sickness, accident damages. Our customers value our efforts in the area of managed care. S/1300/e/03.14 Telephone