Conclusion

• I am moving out of my parents’ house, am I still insured via my parents’ family insurance?

  The family household insurance only applies to all persons living in the same household.Some readers

• As a tenant, how do I have to insure myself against glass damage in buildings, including washbasins?

  Unless the rental contract provides otherwise, the personal liability insurance is sufficient for any damage to the glass of the building.Few readers

• What is “household effects”?

  All movable property for private use (including digital assets such as e-books, films, downloads and games) that are either owned, rented or leased by an insured person.Few readers

• What makes your product better than that of your competitors?

  For comparison with competitors, please note the following points: Maximum flexibility for the customer only flexible 1-year contracts only Swiss household insurance with only 24h cancellation period only Swiss household insurance with “buy-and-try/best-price guarantee” through daily right of cancellation (optional) the three modules household, private liability and building insurance can be combined as desired Everything important included Only Swiss insurance that waives the needFew readers

• I live in a shared flat, do we need one contract per person?

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

• What is Home contents insurance?

  Home contents insurance protects your belongings. This includes all movable items that are in your home.Few readers

• How the sum insured is calculated

  The sum insured is calculated on the basis of the number of persons, the number of rooms and the standard of furnishings.Few readers

• Are my employed children who still live at home also insured?

  The multi-person household insurance applies to all persons living in the same household.Few readers

Contract

• Can I take over my parents’ policy?

  An insurance contract is always personalised and cannot be transferred. You have the option of calculating your personal offer, which you can also conclude immediately online.Few readers

• 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 CHF 500.00.Few readers

• Do I have to report a move?

  A change of address must be reported immediately. You can report 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/kundenserviceFew readers

Scope of insurance

• Is my ebike (25 KmH) also insured?

  The e-bike up to 25km/h is part of the household effects and is insured in accordance with the insured covers in the policy.Some readers

• Is my privately used mobile phone insured against theft?

  If the device is stolen at the insured location, this is covered by the standard Home contents insurance. Simple theft away from home can be insured as an option.Some readers

• Is my caravan also insured?

  Caravans with a fixed location are insurable. If the location of the caravan is outside the insurance domicile but still in Switzerland, it can be insured via another location.Some readers

• How do I know which item belongs to household effects?

  Insured items You can insure the following items individually or in combination: Household contents: all movable property for private use incl. pets Garden facilities: structural facilities outside the building which are not insured with the building or which must be insured are insured with the building or have to be insured, such as retaining walls, ornamental fountains, paths, mailboxes, etc. Monetary assets: cash, traveller’s cheques, precious metals, securities, etc. Third-party prSome readers

• Is my moped insured against theft in the household contents?

  The classic moped with a maximum speed of 26 – 45 km/h is not insured in the household contents.Some readers

• How can I include my bicycle/electric bike in the Home contents insurance?

  The basic cover already includes bicycles/electric bikes up to 25 km/h, if this is included in the sum insured. In addition, you can cover your bike against damage via the comprehensive insurance.Few readers

• Are wall cupboards insured?

  Self-installed wall cupboards as a tenant, are insured via the household contents.Few readers

• Is home contents insurance the same as personal liability insurance?

  ❌ No, these are two different types of insurance! Home contents insurance → Protects your own belongings (e.g. furniture, electronics, clothing) against damage caused by fire, water, theft or other risks. Personal liability insurance → Covers damages that you unintentionally inflict on other people or their property (e.g. if you accidentally damage something or hurt a person). 💡 Tip: Both types of insurance complement each other, but they are not the same! ✅ With simFew readers

• home contents -> What about my eBike (45 kmH)?

  The e-Velo up to 45 km/h is insured in the private liability, but excluded in the household contents.Few readers

• Are aquariums also insured?

  Aquariums themselves are insurable under the supplementary cover “sanitary facilities”. Water leakage and spoilage of the contents are already insured under the standard covers.Few readers

• Are pictures insured?

  Yes, pictures are insured under the household insurance.Few readers

• Is my guitar also insured?

  A guitar is considered a normal item and is covered by the household insurance.Few readers

• What does Home contents insurance cover?

  Home contents insurance protects your belongings. This includes all movable objects in your home.Few readers

• Is my privately used laptop insured against theft?

  If the device is stolen at the insured location, this is covered by the standard Home contents insurance. Simple theft away from home can be insured as an option.Few readers

• Can I also insure only household contents without private liability?

  Yes, the insurances can be taken out together and also independently of each other.Few readers

• Are movable constructions also insured?

  Movable constructions including their contents are also insured, provided they are included in the sum insured.Few readers

• Is a carpet insured?

  Self-installed carpets as a tenant, are insured via the household contents.Few readers

• Am I insured against theft with Home contents insurance?

  In principle, burglary, robbery and simple theft at home are also insured; simple theft away from home can be insured as an option.Few readers

• Is my fridge and the food in it insured?

  Spoilage of the food is covered by the insured risks of the “Fire” cover. The refrigerator is insured via the landlord or, if owned, via the buildings insurance.Few readers

• Are collection items also insured?

  Yes, collectibles are insured under the household contents.Few readers

• Is my bicycle also insured?

  Das Velo ist Bestandteil des Hausrats und ist gemäss versicherten Deckungen in der Police versichert.Few readers

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Claim

• How can I report a claim?

  Use our claim form and send it via email to claims@simpego.ch or contact us on +41 58 521 11 11 (+41 58 521 11 11). This number is valid for regular claims reports and as an emergency number for 24-hour assistance.Some readers

• How should I proceed in the event of a claim?

  Use our claim form and send it via email to claims@simpego.ch or contact us on +41 58 521 11 11 (+41 58 521 11 11). This number is valid for regular claims reports and as an emergency number for 24-hour assistance.Few readers

Cancellation

• How can I cancel my existing insurance?

  You can conveniently terminate your contract at the end of the contract period by sending an e-mail to service@simpego.ch or using the cancellation form.Some readers

• I am moving in with my partner and no longer need insurance cover – can I cancel the contract with immediate effect?

  The contract can be terminated on the main due date, for which a written notice of termination is required.Some readers

• What are the notice periods for Home contents insurance?

  With Simpego, you benefit from a notice period of 24 hours per expiry.Few readers

• How can I cancel my home contents insurance?

  You can cancel your home contents insurance directly online using the following form at the end of the contract: 🔗 Cancel your insurance hereFew readers

• Can I cancel my subscription if the price increases due to a new address?

  ✅ Yes! If your premium changes due to your new address, you are entitled to cancel your home contents insurance. 🔗 Cancel your insurance hereFew readers