Use of private third-party vehicles: e.g. you are driving a friend's car and damage it while parking.
Damage as carsharing or hire car user: e.g. you cause an accident while driving a hire car. This eliminates the need to purchase expensive extra insurance from car hire companies.
Pet damage to rented apartments: e.g. your rabbit chews the carpet or your cat uses the kitchen door as a scratching post. Other types of damage caused by pets, such as when your dog bites someone, are insured under basic coverage.
Gross negligence: e.g. you overlook a red light on your bicycle and collide with a pedestrian who sustains an injury. In this case, the claims payment is not reduced, unlike normal treatment under Swiss law.
Loss of keys and key service: e.g. you lose the keys to your rented or vacation apartment. We organize the key service and pay the cost of changing the locks.
Tradesmen emergency service: e.g. your drainpipe becomes blocked. We arrange the services of a tradesman and pay the costs.
Data recovery and virus removal: e.g. all the family photos on the PC disappear due to a virus. In this case, we arrange the services of an expert who takes care of the data restoration.
