For millionaires only?
Not at all, because each and every one of us has a personal favorite. Be it a wedding ring, musical instrument or painting.
Comprehensive protection – much more affordable than you think
You will be pleasantly surprised by the premium for your insurance of valuables. It is dependent on the value and category of your favorite possession and is especially worthwhile for valuable items. Here are a few examples of premiums.
The prices are not binding. The federal stamp duty of 5% is already taken into account. The deductible is 10 percent, at least CHF 200.
The prices are not binding. The federal stamp duty of 5% is already taken into account. The deductible is 10 percent, at least CHF 200.
Do you have any questions?
FAQ
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When do I need insurance of valuables?
Insurance of valuables is not only worthwhile for luxury items, but also everything that is dear to you: from wedding rings and musical instruments to cameras. Additional insurance of valuables is recommended for expensive items, because thanks to All Risk coverage, the insurance coverage is a lot more comprehensive than with household contents insurance. This means: everything that is not explicitly excluded is insured. This includes theft, loss, damage or destruction – and this coverage is valid worldwide. The coverage also applies if you yourself suffer a mishap in which an insured item is damaged or lost. By the way: you can remove the insured items covered by the insurance of valuables from the household contents sum and thus save premiums.
What are valuables?
Below are some examples of valuables:
- Bike and e-bike
- Jewelry or watches
- Art (paintings and sculptures)
- Musical instruments
- Photo or film equipment
- Hearing aids or corrective glasses
The list goes on… If you have any questions about whether we will cover your specific favorite possession, contact us.
What kind of damage and loss cases are insured?
You benefit from comprehensive All Risk protection. This means that everything not explicitly excluded is insured. Theft of your wristwatch, a dropped camera, an antique rug bombed by a glass of red wine...
How much does it cost to insure my jewelry? Isn't it way too expensive?
You will be pleasantly surprised. For example, the insurance for a ring with a sum insured of CHF 5,000 per year costs only CHF 55.10. This indicative price quote serves as a calculation example. It is non-binding and already includes the federal stamp duty of 5%. The deductible is 10%, at least CHF 200.
What if I cause the damage myself?
No problem. "All Risk" coverage even applies to damage that you cause accidentally. We will also pay if your child rips your glasses off your nose or you drop a camera lens while changing it.
Can I also cover my electronic devices, such as my laptop, in the insurance of valuables?
Electronic devices, such as smartphones, tablets, laptops and notebooks, are typically considered utility items and not valuables. For electronic devices, we therefore recommend taking out accidental damage to electrical equipment or household contents as part of your household contents insurance.
Does a piece of furniture count as a valuable? Can I insure this as well?
Yes, valuable designer furniture, such as an Eames chair, can be protected with insurance of valuables. You can insure usual household contents with our household contents insurance.
Does the insurance of valuables also cover additional costs incurred?
With the additional coverage "Contingency insurance and costs" you are protected should your property increase in value or should you acquire new items. The cover additionally includes necessary clearance and disposal costs in the event of a loss, as well as rental costs for certain replacement equipment, such as musical instruments.
