The generous package for your home/

Transcription

1 OPTIMA household insurance The generous package for your home/ Our OPTIMA household insurance provides you with the very best coverage for your home. It is a flexible package that allows you to cover a wide variety of risks, including personal liability, fire, theft, and water damage. Take a load off your mind You can tailor the security of your home to meet your specific needs. Simply select from the versatile modules offered by the OPTIMA household insurance to create the ideal coverage for you and your family and then lean back and relax. Meeting the highest demands The basic coverage includes: Personal liability Amount of insurance up to CHF 10 m Second jobs up to an annual income of CHF 12,000 Use of third-party vehicles (cars, motorbikes, go-carts) Household contents Individual amount of insurance Fire, theft, and water damage Small animals Leased or rented items Valuables up to CHF 30,000 (if kept in safes: up to CHF 100,000) Objects belonging to your guests Frozen goods up to CHF 5,000 Outdoor sculptures up to CHF 20,000 By adding supplementary insurance modules, you can optimize your coverage to include loss or damage in other areas such as travel, sports, and hobbies. A convenient all-inclusive solution Use of third-party vehicles included included

2 Personal liability and household contents/ Liability The personal liability module covers claims for personal injury and property damage that are filed privately against you or members of your family. These include loss and damage for which you are responsible, whether in your capacity as a homeowner, tenant, subtenant, pet owner or during sports activities. Coverage is also provided for defending yourself against unjustified claims. You can tailor your liability insurance by selecting different additional modules, including for instance: Horse rentals, hunting, model planes, kiteboarding Household contents Your household contents are insured against fire, theft and water damage at new-for-old value. Household contents include all personal movable property (including digitally acquired data such as songs, e-books, etc.) that belongs to you or family members who share the same household. This also includes items that are leased or rented, items you have been entrusted with, and items that guests have brought to your home. And your belongings are not just insured at home, but also when you take them along anywhere in the world. What is more, if you move home within Switzerland, you are also covered during the removal process. Glass breakage (damage to building and furniture glass, including sanitary installations) Outdoor physical structures Property damage as a result of earthquake Professional tools and equipment being used at home (includes small-business owners) Loss of or damage to jewelry and watches up to CHF 20,000 incl. legal advice online or by phone 24 h Home Assistance Travel, sports, and hobbies The OPTIMA household insurance helps you to relax on your travels, knowing that your sports and leisure equipment is insured against damage or loss, whether it is in your possession or entrusted to a transport company. Compensation is determined by the amount of insurance and covers the new-for-old value of the items, which include: Photo and video cameras Bicycles Skis, surfboards, and snowboards Rowboats and canoes Musical instruments PCs/laptops AXA will also cover the cost of replacing necessary items if your luggage is delayed.

3 I am interested in other products from AXA/ Please send me information on the following: Rental guarantee from AXA AXA-ARAG legal protection OPTIMA motor vehicle insurance INTERTOURS travel insurance Please contact me Phone (home) Phone (work) I am best reached on (day of week) between and o clock Last name First name Street, number Postcode, town Take out legal protection coverage against disputes in the capacity as private internet user, e.g. in case of privacy violations, identity or credit card fraud, and copyright violations in connection with downloads. 24 h Home Assistance In case you are faced with an emergency at home, AXA will arrange for professional assistance around the clock. If for example a wasp nest needs removing, a key has broken off, or the heating no longer works in winter, we will make all the necessary arrangements for you. 24 h Home Assistance pays CHF each for a maximum of two events per year and is valid for the following emergencies: Key service: If a key is lost or breaks off in the lock, or if you re locked out Unblocking pipes: Blocked drain pipes Plumbing: Interrupted or overflowing water supply Electrical systems: Defective electrical systems Heating system: Defective radiators Borrowed heaters: Failure of the heating system Removal or relocation of nests: Wasps, hornets, bees Young adults Apprentices and students are usually covered by their parents personal liability insurance. On the other hand, young wage earners under 30 who are still living with their parents are not automatically covered under the same contract. This group can benefit from a special offer from AXA and receive personal liability coverage at a reduced rate. New acquisitions Setting the right amount of insurance is very important when taking out household coverage: only if the amount of insurance corresponds to the actual value of your household contents are you properly insured. If the amount of insurance is higher, then you are overinsured and are paying too high a premium. If it is lower, you are underinsured, and any loss you suffer would not be adequately covered. The inventory list shown here is designed to help you calculate your current amount of insurance. What we recommend From time to time you should check the value of your entire inventory, as it changes every time you replace an existing item or purchase a new one. Claims service If you need to make a claim, simply contact us on our hotline or online at and receive assistance around the clock. Together with its qualified partners, AXA organizes and coordinates every thing that needs to be done in the event of broken glass, theft, or water or fire damage. Interested? Then contact your advisor or take out insurance online at

4 Moisten here, fold twice, stick together and post. Inventory Basic household contents Basic household contents include furnishings (furniture, curtains, etc.), home electronics (TV, computer, digital camera), appliances, dishes, linen, clothing, shoes, food supplies, mopeds, conventional bicycles etc. The table on the right-hand side is based on average estimates. We recommend that those with a higher living standard compile a detailed inventory of their items. To assess your basic household contents, match the number of rooms with the number of household members. Children below the age of 14 count as half a person. All amounts are in CHF. Persons 1 1 1/ / / /2 Rooms 1 44,000 51, /2 52,000 59,000 66, ,000 67,000 74,000 81, /2 68,000 75,000 82,000 89,000 96, ,000 83,000 90,000 97, , , /2 84,000 91,000 98, , , , , ,000 99, , , , , , , /2 100, , , , , , , , , , , , , , , , /2 116, , , , , , , , , , , , , , , ,000 Basic household contents from the table above: (Those with a higher living standard should increase the amount by 30 %) Inventory in CHF Your personal details Ms. Mr. Last name Separate here Additional household contents Please enter the current replacement values. Home electronics Upscale appliances Hobby/leisure/travel/sports Musical instruments, pets, hobby workshop, models, model train set, camping equipment, garden furniture, garden shed, sports equipment, incl. clothing (e.g. racing bike, mountain bike, skis, etc.) Collections Stamps, books, recordings, precious stones Special valuables* Antiques, oriental rugs, silverware, pictures, works of art, furs, money assets; jewelry, incl. wrist and pocket watches Miscellaneous Physical structures (if not insured with the building), wine, liquor, food supplies, basement, attic First name Street address Postcode, town/city Phone (home) Phone (work) Date of birth Subtotal Reserve for new purchases (generally 10 %) Total amount of insurance at new-for-old value * Special items can be insured with separate valuables insurance. If the declared amount of insurance is too low (underinsurance), any loss/damage you may suffer will be compensated only as the ratio of the insurance amount to the replacement value. In case of partial loss/damage, this can lead to reduced compensation. Jewelry of up to CHF 30,000 and money assets of up to CHF 5,000 are also covered under basic insurance. We recommend that you purchase separate valuables insurance if the value of your jewelry and money assets exceeds this amount.

5 Please attach stamp What does household insurance cost? I would like to get advice. Please call me. Please send me a non-binding offer based on the completed inventory list and the coverage options checked below. Personal liability Basic insurance coverage for Individual Family Amount of insurance per event CHF 5 m CHF 10 m Deductible CHF 200 CHF 300 CHF 400 CHF 500 Horse rentals Hunting Other supplementary insurance Household contents Insurance coverage for household contents against fire, theft, and water damage At home, amount of insurance as per inventory list CHF Simple theft away from home CHF 2,000 CHF 3,000 With comprehensive coverage for luggage, sports and leisure equipment Deductible CHF 200 CHF 300 CHF 400 CHF 500 CHF 1,000 CHF 2,000 CHF 5,000 Construction of home Solid Mainly wood (e.g. chalet) Building and furniture glass, including basins, WCs Furniture glass only 24 h Home Assistance Other supplementary insurance If the contents of a vacation home or second home are to be insured, or if you would like to restrict coverage or have a different deductible, please contact your insurance advisor.

6 Please attach stamp Other AXA products Security when out and about/ Rental guarantee from AXA Don t tie up your funds: Opt for an attractive annual premium instead of tying up large chunks of money in a bank deposit. OPTIMA motor vehicle insurance Individual solutions for all types of vehicle: a wide range of benefits relating to liability, physical damage, accident, and mobility insurance. AXA-ARAG legal protection Whether you re on the road, at home, at work or enjoying time off, AXA-ARAG provides whatever you need in order to assert your rights in a legal dispute. INTERTOURS travel insurance Trips, vacation and leisure time: INTERTOURS provides you and your family with fast, qualified assistance in every type of emergency situation, whether at home or abroad. This is only a translation, in case of legal disagreements the original German version alone is binding. WMIC C&P 2296 En AXA Winterthur General-Guisan-Strasse 40 P.O. Box 357, 8401 Winterthur 24 -hour telephone: AXA Insurance Ltd (client portal)