FAQ private liability

Use our online premium calculator HOME for an individual quote. You can then conclude the insurance contract directly online. You will then receive your insurance documents from us by e-mail.

The insurance can be concluded at the earliest as of today.

We recommend that you first terminate the current contract on expiry. Afterward, you can conclude the insurance contract directly online at simpego. You can find a cancellation template on our website at the following link: https://www.simpego.ch/de/service/downloads

In liability insurance, we waive the right of recourse or reduction to which we are entitled in the event of gross negligence in causing the damage, which is why we recommend gross negligence coverage.

An insurance contract is always personal and cannot be transferred. You have the possibility to calculate your personal offer, which you can also conclude online.

You will find your current contract expiry date and cancellation period on your current policy. Use our online premium calculator HOME for an individual quote and set the policy start date according to your cancellation date. You can find a cancellation template on our website at the following link: https://www.simpego.ch/de/service/downloads

You can present your current insurance policy to your landlord as confirmation.

A change of address must be reported immediately. You can announce the change simply and easily on our website via the chatbot. You can find it under the following link: https://www.simpego.ch/de/service/kundenservice

Multi-person liability insurance applies to all persons living in the same household, regardless of age.

It makes sense to take out one insurance policy per person. If the living situation is planned for the long term, we recommend insurance for the entire shared apartment.

Yes, personal liability insurance is valid worldwide.

Simpego covers collision damage to third-party vehicles up to 3.5 t registered in Switzerland that you use free of charge and privately.

Yes, the insurance can be taken out together and also independently.

Personal liability insurance is not mandatory, but highly recommended.

Personal liability insurance protects you from financial losses if you cause damage to other people or other people’s property.

The deductible is freely selectable from CHF 0 to 10’000.

Home contents insurance protects your belongings. This includes all movable objects in your home. Personal liability insurance, on the other hand, protects you from financial losses if you cause damage to other people or property.

The sum insured can be freely selected from CHF 3 million to 10 million.

Damage to your own privately used equipment is insurable under the household insurance.

Yes, the number of people can be adjusted at any time.

Kontaktieren Sie unser Customer Solution Center per Email an service@simpego.ch oder unter der Nummer +41 58 521 11 11.

The e-Bike (45 KMH) is insured in the personal liability, but excluded in the household.

With the additional coverage “assumption of deductibles for rental cars”, deductibles up to CHF 10,000.00 are insured for rented passenger cars up to 3.5t total weight and a maximum rental period of 20 days.

Use our claim form and send it via email to claims@simpego.ch or contact us at +41 58 521 11 11. This number is valid for regular damage reports as well as an emergency number for 24h assistance.

The personal liability insurance is valid worldwide.

You can send us the cancellation confirmation by e-mail to service@simpego.ch, then we will cancel your contract.

Send us a letter of cancellation by e-mail, then we will terminate your contract by expiration.

With Simpego, you benefit from a notice period of 24 hours per expiration.