Welcome to our personal liability insurance FAQs.
Here you will find important information and answers to frequently asked questions about personal liability insurance. Personal liability protects you from the financial consequences that can arise if you harm someone. Whether it’s property damage or personal injury, personal liability insurance can help you bear those costs.
What does private liability insurance cost?
With our premium calculator, you have the possibility to calculate an offer easily and quickly. You can then conclude the insurance contract directly online.
I would like to take out personal liability 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. 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
Do I need gross negligence cover in my personal liability insurance?
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.
I would like to take over my flatmate’s policy – is that possible?
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.
I would like to switch from another company to simpego – how do I do this?
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
My landlord requires liability insurance, what do I need as confirmation?
You can present your current insurance policy to your landlord as confirmation.
I have moved, how do I report my new address?
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
Scope of insurance
Does the multi-person liability insurance also apply to children over 18 who live in the same household?
Multi-person liability insurance applies to all persons living in the same household, regardless of age.
Does it make sense to take out liability insurance per person or for the entire shared flat?
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.
Does the personal liability insurance apply worldwide?
Yes, personal liability insurance is valid worldwide.
Does the supplementary insurance for damage to third-party motor vehicles used also apply abroad?
Simpego covers collision damage to third-party vehicles up to 3.5 t registered in Switzerland that you use free of charge and privately.
Can I only take out private liability insurance without household contents?
Yes, the insurance can be taken out together and also independently.
Is private liability compulsory at all?
Personal liability insurance is not mandatory, but highly recommended.
Why do I need personal liability insurance?
Personal liability insurance protects you from financial losses if you cause damage to other people or other people’s property.
Can I determine my deductible myself?
The deductible is freely selectable from CHF 0 to 10’000.
What is the difference between private liability and household contents?
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.
Can I determine the sum insured myself?
The sum insured can be freely selected from CHF 3 million to 10 million.
Are my mobile phone and laptop insured via private liability or via household contents?
Damage to your own privately used equipment is insurable under the household insurance.
My girlfriend has moved in with me, can I add her to the existing contract?
Yes, the number of people can be adjusted at any time.
What about my eBike (45 kmH)?
The e-Bike (45 KMH) is insured in the personal liability, but excluded in the household.
Does private liability cover the excess from my rental car?
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.
Are damages abroad also covered?
The personal liability insurance is valid worldwide.
I am moving abroad, how can I cancel my contract?
You can send us the cancellation confirmation by e-mail to email@example.com, then we will cancel your contract.
We are dissolving our shared flat and no longer need the current insurance – what do we have to do?
Send us a letter of cancellation by e-mail, then we will terminate your contract by expiration.
What period of notice do I have to observe?
With Simpego, you benefit from a notice period of 24 hours per expiration.