If your son breaks a neighbour's window or your dog tears your friend's trousers, you will be held liable. Our personal liability insurance covers bodily injury and material damage caused to others and protects you against the financial consequences of such events.
Ask for advice
The insurance covers:
Basic moduleDamage caused to persons, animals or objects as a: |
Basic level |
Plus level |
|---|---|---|
| Private individual Head of family, amateur sportsman, cyclist, driver of third-party vehicles (excluding damage to the borrowed vehicle), animal keeper, horse rider (excluding damage to the animal), member of the military, civil defence or fire brigade, etc. |
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| Tenant Main residence, hotel room, holiday apartment, etc. |
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| Home owner Detached house, apartment in a second home, etc. |
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| Person responsible for entrusted items Person responsible for damage caused to entrusted items/animals |
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Special insured cases |
Basic level |
Plus level |
| Compensation in the absence of liability for damage caused by persons incapable of discernment who live with you | Max. CHF 100,000/case | Max. CHF 100,000/case |
| Compensation in the absence of liability for material damage: during sports or leisure activities, by an animal | Max. CHF 2,000/case | Max. CHF 2,000/case |
| Independent accessory activities | Max. CHF 20,000/case for material damage | Max. CHF 20,000/case for material damage |
| Criminal proceedings brought against an insured person, in the context of an insured claim | Legal fees, max. CHF 10,000/case | Legal fees, max. CHF 10,000/case |
| Loss caused by gross negligence | No reduction in benefits (except if the insured was under the influence of alcohol, drugs or medication at the time the loss was caused) |
No reduction in benefits (except if the insured was under the influence of alcohol, drugs or medication at the time the loss was caused) |
Financial default of the responsible party"UNPRECEDENTED IN SWITZERLAND" |
Basic level |
Plus level |
| Bodily injury and property damage caused to insured persons by an insolvent third party without personal liability insurance | Max. CHF 100,000/case | |
OptionsCoverage subject to a premium surcharge |
Basic level |
Plus level |
| Damage to third-party vehicles | Max. CHF 50,000/case | |
| Horses and/or ponies hired or borrowed | Max. CHF 30,000/case | |
| Hunter | Max. CHF 5 million/case | |
| Small-scale aircraft models | Max. CHF 5 million/case |
Do you have any questions about SelfProtect insurance?
Our insurance advisers are available to answer any questions you may have.
The partner for personal liability insurance (RC) and household contents insurance (MN) is La Vaudoise.
Call 0848 803 222 and select the option “Claims”, or send an email to: schadenprotect@groupemutuel.ch (German), sinistresprotect@groupemutuel.ch (French), sinistriprotect@groupemutuel.ch (Italian).
