Find the perfect personal liability insurance.

Find the perfect personal liability insurance.

Foxana is smart and lives carefree -so can you! With the right personal liability insurance, you are protected against financial risks that can arise everyday life. Foxana helps you tu find the ideal personal liability insurance that ist perfectly tailored to your personal needs.

The services of the Personal liability insurance

Here you can get a quick overview of what exactly is covered so that you can make the best decision for your everyday life.

Personal injury

Covers the costs of damage caused to other people, for example in the event of accidents for which you are responsible.

Material damage

Covers the costs of damaged or destroyed third-party property if you are responsible for the damage.

Passive legal protection

Defense against unjustified claims for damages against you by assuming the costs of legal defense.

Personal liability insurance: Insurance cover for emergencies

Protects you from the financial consequences of unintentional damage. Whether it’s a minor incident such as a spilled coffee on a laptop or more serious accidents in which people are injured – your personal liability insurance covers the costs incurred and protects you against claims for compensation. It also covers the defense against unfounded claims.

In 3 steps to the right Personal liability insurance

Foxana has the market overview of all insurances. It gives you access to the best insurance offers. You can find the right insurance solution quickly and free of charge on the user-friendly platform. Start now and secure the best protection at the best price.

Fill in the contact form and send it off.

Specify needs

We will get in touch with you. You tell us what is important to you.

Receive an offer

Get a quote for your goals and budget.

Do you know these additional covers for Personal liability insurance already?

Special supplementary cover is available to extend your basic personal liability insurance cover. Here are the three most important extensions that you should take a closer look at:

Gross negligence

This cover protects you even if the damage was caused by gross negligence on your part.
So you are also covered in moments of carelessness.

Lost keys and locksmith service

If you lose keys used for private or business purposes, this additional cover covers the costs of replacing the keys and any necessary lock changes.

Third-party driver insurance

It covers you if someone else drives your vehicle and causes damage for which you are held liable.

The most frequently asked questions & answers about Personal liability insurance.

No, personal liability insurance is not compulsory in Switzerland. However, it is strongly recommended that you take out such insurance to protect yourself against the financial consequences of claims for damages if you accidentally harm people or damage someone else’s property.

As with most insurance policies, there is also a deductible for personal liability insurance. This means that you have to pay a certain amount of the claim yourself. Generally speaking, the higher the excess, the lower your premium will be.

It is important to know that the guaranteed sum is the maximum compensation that your insurance company will pay to third parties per claim. This sum is usually CHF 5 million, but depending on the insurance model you choose, it can be as low as CHF 3 million or as high as CHF 10 million.

As a rule, personal liability insurance covers you and all family members living in your household. This often includes your spouse or partner and your children.


Sometimes other people who live with you permanently, such as your partner or foster children, are also included. It’s worth checking the exact terms and conditions of your insurance policy to see who exactly is covered.

Household contents insurance and personal liability insurance cover different areas:

  • Household contents insurance protects your personal belongings in the home, such as furniture, electronics and clothing, against damage or loss due to fire, water, theft and other risks. It therefore covers material damage to your property.

 

  • Personal liability insurance, on the other hand, protects you against the financial consequences if you accidentally damage someone else or their property and are held liable. It covers the costs of third-party claims for damages against you.

 

In short: household contents insurance covers damage to your own property, while personal liability insurance covers damage you cause to others.

Personal liability insurance covers many types of damage that you cause to others, but there are also exclusions. As a rule, it does not cover the following losses:

  • Intentionally caused damage: If you deliberately cause damage to someone, personal liability insurance will not cover the costs.
  • Damage to your own property: Damage you cause to your own property is not covered.
  • Losses suffered by family members in the same household or by persons who are also insured under the contract
  • Professional or operational damage: Damage that you cause during your professional activity is usually excluded.
    There is special professional liability insurance for this.

 

It is important to check your insurance policy carefully to know what damage is covered and what is not.

Do you have another question that has not been answered above? Then simply get in touch with us! We’ll be happy to help you.

They all have their Personal liability insurance found with Foxana:

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There are so many Personal liability insurance - But which is the right one?

Don’t worry, Foxana is at your side to give you an overview of the offers and help you find the perfect personal liability insurance. Think about the specific risks you face in your everyday life to choose the right insurance for your needs.

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