In the case of a theft at your property you should do the following:
In the case of loss of your keys:
RC insurance is civil liability insurance. It covers for events where a person could be liable for accidental damage. Under Swiss law, persons can be liable for damages that are caused, even unintentionally, to other people and/or their property. Should a guest have RC insurance and accidentally damage for instance the floor, the RC insurance should cover the cost of the repairs. However, should the guest not have RC insurance, they will be responsible for the full costs of the repairs themselves.
What do we propose?
We have a global RC policy with a reputable Swiss insurer which does not require any administration. If you agree we simply add you name to the list of persons covered and for as long as you are living in the temporary apartment you are covered.
How much is it?
The cost is CHF150 (plus VAT) which we would bill directly to you.
Who does the policy cover?
The policy covers family and pets. Please note that the policy does not cover for theft and floods. Should you have any further questions we can put you directly in touch with the insurer.
Can I subscribe with another insurance company?
You are also of course free to consider policies with other insurance companies if you prefer.
Tenants are obliged to take out fire insurance in the Canton of Vaud to protect against the loss of their personal belongings due to a fire. The building is insured by the landlord and the furniture insured by the furniture provider. If you do not take ECA insurance, your personal belongings will not be covered in the event of fire. Fire is not normally covered by household content insurance.
Is it possible not to have an ECA Insurance?
As ECA is compulsory. The company will continue to solicit you until you take out an insurance policy. However, if you decide not to have one you can return the letter noting “logement meublé rien à assurer”. They should then stop sending you letters.
How much does it cost?
The cost depends on the estimate value you declare. Normally the cost is minimal (approximately CHF30 or CHF40). The minimum fee is CHF20.70 corresponding to a value of CHF 20,000. We would advise you to indicate at least a total value of CHF 20,000. For information, it will cost you CHF 0.50 per CHF1,000 of value.
What are their contact details?
ECA's phone number is +41 58 721 23 23 if you want to contact them.