It is, however, advisable, as damage to other’s property caused by yourself or another family member can occur quickly. And it can also be expensive.
Those with personal liability insurance are not required to pay for unintentional damage to the property of others.
The following are insured:
- Damages up to a guaranteed amount of 5 or 10 million Francs.
- Private individuals, also as tenants, property owners, pet owners, cyclists and athletes.
- Occasional driving of vehicles that you don’t own and damage to entrusted property.
- Relatives who live together in the same household, if a family insurance plan has been taken out.
- Self-employed, professional activities up to an annual turnover of 20,000 Francs.