FAQ building insurance
I would like to take out buildings insurance with simpego, how do I go about it?
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.
What is the earliest possible insurance start date?
The insurance can be concluded at the earliest as of today.
I still have a current contract with another company, can I still switch to simpego?
We recommend that you first terminate the current contract on expiry. Afterwards, you can conclude the insurance contract directly online at simpego. You can find a cancellation template on our website under the following link: https://www.simpego.ch/de/service/downloads
Do I have to report a move?
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
How high is my deductible?
The deductible can be freely* selected from CHF 0 to 10,000. *For regulatory reasons, the deductible for natural hazards is always 10% of the insured building sum.
What happens to the insurance when the building is sold?
When selling the property for which a building insurance was concluded, the buyer “first” takes over the existing insurance contract. Both buyer and seller are jointly and severally liable for the premium payment. The buyer can then cancel the insurance in writing after the insurance year has expired. The insurance company may also terminate the insurance within one month of purchase or sale. If it does not do so, however, it’s right to terminate expires.
Scope of insurance
Is my photovoltaic system also insured in the event of hail damage?
Photovoltaic systems with an output of up to 30 kilowatts peak (kWp) are also insured.
Which are insurable buildings?
Condominiums and buildings with max. 3 apartments. The insurance covers the building or apartment itself and installations connected to the building, such as solar panels. In addition, structural installations such as garden ponds and outbuildings located on the same plot of land, as well as equipment and materials used for the maintenance of the insured building. Also insured within the scope of the building insurance sum are building services installations.
Which insurance coverages can be insured?
The following insurance coverages can be taken out individually or in combination for the insured buildings and apartments:- Fire damage incl. singeing and utility fire damage. The insurance also covers damage caused by the effects of electricity, i.e. damage to live electrical equipment, machines and lines caused by the effects of the electrical energy itself and by overvoltage or heating due to overload.- Damage caused by the elements due to high water, flooding, storm, hail, avalanches, snow pressure, rock fall, rock fall and landslide.- Water damage due to water leaking from pipes and other liquids and gases, due to the leakage of liquid from aquariums, water beds, mobile pools, etc. and by rain penetrating from the outside, snow or by melt water, by backwater from the sewerage system and by slope and ground water.- Damage caused by theft, i.e. Damage caused by theft or an attempt to do so, as well as damage caused by perpetrators locked inside the building who forcibly break out of the building or a room (breakout theft).- Comprehensive, i.e. damage caused by accidental, sudden, unforeseen, violent external impact (e.g. tree falls on the house). In the case of electrical appliances, damage caused by the effects of electricity, liquids and moisture is also insured. In the case of damage caused by graffiti and other pollution, the benefit is limited to CHF 1,000 per year.- Glass breakage, i.e. breakage of building glass and breakage damage to sanitary facilities.- Additional costs incurred in connection with an insured loss, such as loss of rent, demolition of building remains, emergency glazing and emergency locks, lock change costs, etc. Ongoing fixed costs such as mortgage interest, heating and ancillary costs are also covered. Always included in the insurance is also a comprehensive building insurance for damage to the insured building and the associated property as a result of construction projects up to a maximum total construction sum of CHF 250,000.
What does the abbreviation “GUSTAVO” stand for ?
“Gustavo” stands for those cantons in which there is no cantonal building insurance against fire and natural hazards, i.e. damage caused by natural forces. In these cantons, the building insurance can or must be taken out with a private insurance company. The first letters of Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais (VUse our claim form and send it via email to firstname.lastname@example.org or contact us at +41 58 521 11 11. This number is valid for regular claim reports as well as an emergency number for 24h assistance.alais) and Obwalden make Gustavo.
How can I report a claim?
Use our claim form and send it via email to email@example.com or contact us on +41 58 521 11 11. This number is valid for regular claims reports and as an emergency number for 24-hour assistance.
How should I proceed in the event of a claim?
Use our claim form and send it via email to firstname.lastname@example.org or contact us at +41 58 521 11 11. This number is valid for regular claim reports as well as an emergency number for 24h assistance.
What are the notice periods for buildings insurance
With Simpego, you benefit from a notice period of 24 hours per expiration.
How can I cancel my existing insurance?
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 order a pre-printed cancellation form by email at email@example.com.