Market trends: Moderately higher premiums for car, household contents, and liability insurance as well as increasing complexity of products.
Property insurance such as car, household contents and liability insurance is essential to be protected against financial risks. However, rising premiums and increasingly complex products are making it difficult to keep an overview. Duplicate insurance or over-insurance results in unnecessary costs.
Covers damages you cause to third parties. It is not mandatory in Switzerland, but highly recommended.
Protects your personal belongings against damages caused by theft, fire, water, or natural events.
This is mandatory for all car owners. It comprises liability insurance as well as comprehensive cover and additional cover.
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At least once a year or in case your circumstances change (e.g., moving house, car purchase).
Household contents and liability insurance are often offered as a package. Car and supplementary insurance are also often combined.
Check if you are covered for the same risks in several policies, for instance in your household contents and travel insurance.
Yes, it is if you rarely have any damage claims and are able to afford the financial costs in the event of damage.
Yes, but keep in mind the notice periods, which may differ depending on the type of insurance.