Conclusion

• 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.Some readers

• 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.Some readers

• What is the earliest possible insurance start date?

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

• 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.Some readers

• 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/downloadsFew readers

Cancellation

• I am moving abroad, how can I cancel my contract?

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

• 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.Few readers

• What period of notice do I have to observe?

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

Scope of insurance

• 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.Popular

• Can I only take out private liability insurance without household contents?

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

• 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 privatelySome readers

• 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.Some readers

• Does the personal liability insurance apply worldwide?

  Yes, personal liability insurance is valid worldwide.Some readers

• What about my eBike (45 kmH)?

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

• Can I determine my deductible myself?

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

• 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.Few readers

• Is private liability compulsory at all?

  Personal liability insurance is not mandatory, but highly recommended.Few readers

• Can I determine the sum insured myself?

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

• 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.Few readers

• 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.Few readers

• Where can I get my dog owner’s certificate?

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

• Is Home contents insurance compulsory?

  Home contents insurance is generally voluntary in Switzerland. However, it is compulsory in some exceptional cantons: Nidwalden, Vaud, Fribourg and Jura. The cantons of Nidwalden and Vaud require insurance against fire and natural hazards, which must be taken out through the cantonal fire insurance company. Fribourg and Jura also require insurance against fire and natural hazards, but the insurer can be chosen freely here.Few readers

• 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.Few readers

• Hunting liability insurance – flexible additional cover

  Hunting liability insurance is required by law in Switzerland if you wish to apply for a hunting licence. It protects you if persons or property are damaged while hunting, for example through the use of firearms. ✅ With simpego, you can easily add hunting liability insurance to your personal liability insurance. Only for Switzerland Or valid throughout Europe (except France and Germany) 💡 When you take out your policy, you decide whether you need this additional cover – entirFew readers

• Can my personal liability insurance cover driving other people's motor vehicles?

  ✅ Yes, this option can be included in your contract. With personal liability insurance from simpego, you can cover driving other people's motor vehicles and trailers (with a towing capacity of up to 3.5 tonnes). What is covered? Collision damage to private third-party vehicles weighing up to 3.5 tonnes. , provided you are using them free of charge and for purely private purposes. Prerequisite: The vehicle must have a Swiss licence plate. 💡 Tip: This cFew readers

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Contract

• My landlord requires liability insurance, what do I need as confirmation?

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

• 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/downloadsSome readers

• 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.Few readers

• 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/kundenserviceFew readers

• 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.Few readers

Claim

• I have damaged something – where can I report the damage?

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

• Are damages abroad also covered?

  The personal liability insurance is valid worldwide.Few readers