Household Contents Insurance

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					                                  Household Contents Insurance

                                  General Terms and Conditions (GTC), H 15 edition
                                  (The original German wording governs the legal interpretation of your policy.)




                                   Household Contents Insurance



                                   Additional cover for personal computers (PC)



                                   Additional cover for luggage



                                   Additional cover for SOS Home Assistance
Kb 752 e XII 10 / H 15 edition




                                 Swiss National
                                 Insurance Company Ltd, Basel                                                      Page 1/10
                                                                                          Contents




                                 Household Contents Insurance                 Page 3            Additional cover                         Page 9
                                                                                                for luggage


                                 Article 1       Types of insurance                            Article 50   Principle
                                         2       Insured items and costs                               51   Insured items
                                         3       Insured risks and damage                              52   Insured risks and damage
                                         4       Special agreements                                    53   Geographical scope
                                         5       Exclusions                                            54   Insured benefits
                                         6       Insured location                                      55   Limitations in the scope of cover
                                         7       Insured benefits                                      56   Deductible
                                         8       Commencement and term of the                          57   Obligations following a claim
                                                 insurance policy                                      58   Multiple claim rights
                                           9     Payment of premiums                                   59   Settlement of claims
                                          10     Change in premiums, deductibles and
                                                 compensation limits
                                          11     Premium refunds
                                          12     Duties of care and obligations
                                          13     Obligations following a claim
                                          14     Assessment of the loss
                                                                                                Additional cover for                     Page 10
                                          15     Compensation Calculation                       SOS Home Assistance
                                          16     Level of compensation / underinsurance
                                          17     Deductible
                                          18     Payment of the compensation                   Article 70   Principle
                                          19     Contract termination following a claim                71   Insured persons
                                          20     Change of owner                                       72   Insured benefits
                                          12     Jurisdiction and applicable law                       73   Limitations in the scope of cover
                                                                                                       74   Obligations following a claim
                                                                                                       75   Multiple claim rights
                                                                                                       76   Settlement of claims



                                 Additional cover for                         Page 8
                                 personal computers (PC)


                                 Article 30      Principle
                                         31      Insured items
                                         32      Insured risks and damage
                                         33      Limitations in the scope of cover
                                         34      Insured benefits
                                         35      Deductible
Kb 752 e XII 10 / H 15 edition




                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                      Page 2/10
                                                                                                      c) Aircraft and spacecraft which crash or make emer-
                                                                                                         gency landings, or parts thereof;
                                 Household Contents Insurance
                                                                                                      d) Scorch damage and damage to household contents
                                                                                                         which have inadvertently been exposed to cooking
                                                                                                         and heating fire or to heat. This damage is covered
                                                                                                         up to a maximum of 20% of the sum insured for
                                 Article 1      Types of insurance                                       household contents, minimum of CHF 5 000.

                                 The contract may encompass the following types of insur-             The insurance shall replace the damage to or loss of the
                                 ance in addition to household contents insurance:                    insured items which have been destroyed, damaged or
                                                                                                      lost as a consequence of an insured event in accor-
                                 −   additional cover for personal computers (PC),                    dance with article 3.1 paras. a – d GTC;
                                 −   additional cover for luggage,
                                                                                                    2. Theft damage
                                 −   additional cover for SOS Home Assistance.
                                                                                                      The policy shall cover damage, which is conclusively
                                 The agreed types of insurance are listed in the policy.              proven to have been caused to the household contents
                                                                                                      on the basis of leads, witness statements or the given
                                                                                                      circumstances, resulting from
                                 Article 2      Insured items and costs                               a) burglary, i.e. theft committed by offenders who force
                                                                                                          their way into a building or into a room in a building
                                 The policy shall cover                                                   or who break open a container therein.
                                 1. Household contents. All movable items serving private                 Theft by using the right keys or codes to gain access
                                    use which are the property of the policyholder and of the             is regarded as the same as burglary if the offender
                                    persons living with him in a shared household.                        acquires these keys and codes through burglary or
                                    Household contents also include non-permanent installa-               robbery;
                                    tions, leased or hired items, one’s own business clothes          b) robbery, i.e. theft by threatening or using violence
                                    and paraphernalia, guests’ personal effects and en-                   against the policyholder, the persons living or work-
                                    trusted items;                                                        ing in the same household as him, as well as theft
                                                                                                          when the victim is unable to resist on account of
                                 2. Costs, i.e. those which arise in connection with the dam-             death, loss of consciousness or accident. This does
                                    age which is caused to the household contents                         not include bag theft and theft by trickery;
                                     −    Clearance costs, additional living costs and costs for
                                          emergency glazing, doors and locks (except in simple      3. Water damage
                                          theft);
                                                                                                      The policy shall cover damage caused to the household
                                     −    The cost of changing locks, as well as the cost of re-      contents by
                                          placing identity cards and other documents (including       a) water from water pipes which only serve the build-
                                          in simple theft).                                              ings in which the insured items are located; also
                                                                                                         caused by water from equipment and apparatus
                                                                                                         connected to the water pipes, from water beds, or-
                                                                                                         namental water features or aquariums;
                                 Article 3      Insured risks and damage
                                                                                                      b) rain, water from melting snow or melt water, which
                                 Depending on the agreement, the policy shall cover                      has penetrated into the building from outside drains,
                                                                                                         gutters or through the roof itself, but not through
                                 1. Fire damage                                                          open skylights or through openings in the roof in the
                                     In these Terms and Conditions, this term is used to de-             case of buildings under construction, modifications or
                                     scribe damage to household contents resulting from                  other work;
                                     a) Fire, smoke (sudden and accidental, but not normal            c) backwater from the sewerage system if the owner of
                                         or gradual effect), lightning, explosion and implosion;         the drains is not liable, and groundwater. The policy
                                                                                                         shall only cover damage inside the building;
                                     b) Natural hazard events: high water, flooding, gales
                                         (= wind of at least 75 km/h, which overturns trees or        d) water and other liquids escaping from heating and
                                         strips buildings in the vicinity of the insured items),         tank installations, as well as from heat exchangers
                                         hail, avalanche, snow pressure, rock slide, rock fall,          and/or heat pump circulation systems for absorbing
                                         landslide (natural damage).                                     ambient heat of any kind, such as solar radiation,
                                                                                                         geothermal energy, groundwater, ambient air and
                                         The following do not constitute natural damage
                                                                                                         such like which only serve the insured building. The
                                         – Damage due to subsidence, poor quality building               policy shall not cover damage which occurs during
                                             plots, faulty structural design, inadequate mainte-         filling and servicing work;
                                             nance of the building, omission of defensive
                                             measures, artificial movements of earth, snow          4. Glass breakage damage
                                             slide from roofs, groundwater, rush and excess of
                                             stretches of water which experience shows is re-         The policy shall cover breakages to
                                             peated over shorter or longer periods of time;           a) furniture glazing including the tops on natural and ar-
                                         – Regardless of origin, water from reservoirs or                tificial stone tables,
                                             other artificial water installations, backwater from     b) wash-hand basins, sinks, toilets and bidets.
Kb 752 e XII 10 / H 15 edition




                                             the sewerage system;
                                         – Operating and management damage which ex-
                                             perience shows is likely to occur, such as dam-
                                             age in overground and underground engineering;

                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                            Page 3/10
                                 Article 4      Special agreements                                    4. Theft, water and glass insurance
                                 The policy shall only cover the following on the basis of a             Damage as a result of fire, smoke, lightning, explosion,
                                 special agreement                                                       implosion, natural hazard events, aircraft and spacecraft
                                                                                                         which crash or make emergency landings, or parts
                                 1. Fire insurance                                                       thereof.
                                    If frozen foods become spoiled due to a technical failure
                                    in the freezer or due to a failure in the public electricity
                                    supply;
                                                                                                      Article 6   Place of insurance
                                 2. Theft insurance                                                   The insurance shall apply
                                    Theft events which cannot be qualified as burglary or
                                                                                                      1. at home, i.e. in the place which is stated in the policy;
                                    robbery events. This does not include losing or mislaying
                                    items;                                                            2. away from home anywhere in the world within the scope
                                                                                                         of article 7.3 GTC to household contents which are lo-
                                 3. Glass insurance                                                      cated temporarily, albeit for no longer than one year, at
                                    Breakages to building glazing belonging to the premises              other locations in the world, as well as to costs. How-
                                    which are used exclusively by the policyholder and by                ever, household contents which are permanently located
                                    the persons living with him in a shared household, in-               elsewhere (in a holiday home, second or holiday apart-
                                    cluding ceramic hobs, stone surfaces in kitchens and                 ment and such like) shall not be covered by this off-
                                    bathrooms, as well as to plexiglass and other plastics if            premises insurance;
                                    they are used instead of glass.
                                                                                                      3. when moving home within Switzerland, the Principality of
                                                                                                         Liechtenstein and the enclaves of Büsingen and Cam-
                                                                                                         pione, during the removal and at the new address.
                                 Article 5      Exclusions                                               If the policyholder moves house outside the country, the
                                                                                                         insurance policy shall expire at the end of the insurance
                                 The insurance policy shall exclude                                      year or, at the policyholder's request, with immediate ef-
                                                                                                         fect.
                                 1. In general
                                                                                                         Changes of address are to be reported to the Company
                                    a) Motor vehicles, trailers, motorbikes, caravans, mobile            within 30 days. It shall reserve the right to adjust the
                                        homes, each including accessories;                               premium in line with the new circumstances.
                                    b) Ships for which an obligatory liability insurance policy
                                        is mandatory, as well as those which are not regu-
                                        larly taken home again after use, each including ac-
                                        cessories;                                                    Article 7   Insured benefits
                                    c) Aircraft which have to be registered in the aircraft
                                        register;                                                     1. The policy shall cover
                                    d) Items, costs and revenue pertaining to risks against              a) Household contents at their replacement value if the
                                        which there is or ought to be insurance cover with a                current value is not agreed, up to the insured sum
                                        cantonal insurance institution;                                     specified on the policy. This must correspond to the
                                                                                                            amount it would take to acquire all the insured items
                                    e) Valuables which are specially insured. This clause                   new (consequences of underinsurance: article 16.1
                                        does not apply if the insurance policy referred to here             GTC).
                                        contains an analogous clause;
                                                                                                            Items which are no longer used are only insured at
                                     f) Damage due to events in times of war, neutrality vio-               their current value;
                                        lations, revolution, rebellion, uprisings, internal civil        b) Costs up to CHF 5 000;
                                        unrest (acts of violence against people or property by
                                                                                                         c) Business clothes and paraphernalia up to CHF 5 000.
                                        gangs or during violent demonstrations or rioting)
                                        and the measures taken to counter this, as well as in         2. Payment limits at home
                                        the event of earthquakes, volcanic eruptions or
                                        changes in atomic nucleus structure, as well as                  a) The benefit paid for jewellery in the event of a simple
                                        damage caused by water from reservoirs or other ar-                 theft is limited to CHF 20 000. This payment limit also
                                        tificial water installations to the extent that the policy-         applies in the event of a burglary if the jewellery is
                                        holder is unable to prove that the damage is not                    not locked away in a standalone safe weighing at
                                        linked to those events;                                             least 100 kg or in a wall-mounted safe which is built
                                                                                                            into the brickwork.
                                 2. Fire insurance                                                       b) The payment is limited to CHF 5 000 for items of
                                    a) Damage to live electrical machinery, apparatus and                   monetary value, i.e. money, credit and store charge
                                        cables due to the effect of the electrical energy itself;           cards, securities, savings books, precious metals (as
                                                                                                            stocks, bars or merchandise), coins and medals,
                                    b) Storm and water damage to ships and boats on the
                                                                                                            loose precious stones and pearls. There is no cover
                                        water;
                                                                                                            in the case of simple theft.
                                 3. Glass insurance                                                         In the case of credit and store charge cards, the
                                                                                                            cover only applies to the portion of the loss for which
                                    Damage to hand mirrors, optical glasses, glassware, hol-
                                                                                                            the owner of the insured card is deemed liable to the
Kb 752 e XII 10 / H 15 edition




                                    low glass and lighting fixtures of every kind, to light
                                                                                                            card issuer (store, credit card company, bank, etc.)
                                    bulbs, fluorescent and neon tubes;
                                                                                                            by the General Terms and Conditions of Business.
                                                                                                         c) The payment is limited to CHF 5 000 for guests' per-
                                                                                                            sonal effects and entrusted items. Items of monetary
                                                                                                            value belonging to guests are not insured.
                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                                 Page 4/10
                                 3. Payment limits away from home                                   Article 10 Change in premiums, deductibles and com-
                                    a) Payments for household contents lost or damaged                         pensation limits
                                       due to fire, burglary, robbery and water are limited to      1. If there are changes to the premiums, the provisions on
                                       CHF 10 000. Items of monetary value are insured to              deductibles or, in the event of natural hazard events, the
                                       a maximum of CHF 5 000 within the scope of this                 rate compensation limits mentioned in article 16.2 GTC,
                                       payment limit.                                                  the Company may ask for the contract to be adjusted
                                    b) In the case of simple theft, the payment for house-             from the next insurance year. To this end, it must have
                                       hold contents is limited to the amount specified in the         disclosed the new contractual terms and the premium to
                                       policy. The policy does not cover items of monetary             the policyholder by no later than 25 days before they be-
                                       value.                                                          come due.

                                 4. Automatic adjustment of the amount of cover                     2. If the policyholder does not agree with the new terms of
                                                                                                       the contract, he may cancel the whole policy or the sec-
                                    Where it is specially agreed, the sum insured for house-           tion affected at the end of the insurance year.
                                    hold contents is adjusted in line with the National Con-
                                    sumer Price Index (LIK) every year when the premium             3. If the Company does not receive notice of termination by
                                    becomes due for payment. The index value set on 1                  the end of the insurance year, this is to be interpreted as
                                    September each year is authoritative. The sum insured              agreement to the changes to the contract.
                                    is adapted by the percentage increase or decrease be-
                                    tween the index value last announced on 1 September
                                    and the corresponding value from the previous year.
                                                                                                    Article 11 Premium refunds
                                    The amounts specified in articles 3.1 para. d, 7.1, 7.2
                                    and 7.3 GTC and any additional insurance remain un-             1. If the contract is cancelled before the end of the insur-
                                    changed.                                                           ance year for any reason, the Company reimburses the
                                                                                                       premium paid for the portion of the insurance period
                                                                                                       which has not elapsed, and shall not demand payment
                                                                                                       of instalments which become due later on.
                                 Article 8      Commencement and term of the insurance
                                                policy                                              2. The provision of No. 1 above shall not apply if
                                                                                                       – the policyholder cancels the contract following a
                                 1. The Company's payment obligation shall commence                       claim and the contract had been in force for less than
                                    when the policy is activated through payment of the                   12 months;
                                    premium if no cover note has been provided at an earlier
                                    point in time or the policy has been issued, or provided a         – the Company pays the insurance benefits because
                                    later commencement is not specified in the policy. If the             the risk no longer applies.
                                    cover note is only provisional, the Company shall re-
                                    serve the right to decline the definite approval of the in-
                                    surance application. Should it exercise this right, its obli-   Article 12 Duties of care and obligations
                                    gation to pay shall expire three days after the policy-
                                    holder receives the statement of rejection. The Company         1. The policyholder is subject to a duty of care requiring
                                    shall be owed the part premium until its obligation to pay         him to take appropriate measures to protect the insured
                                    has expired.                                                       items from the risks covered.
                                    If the policyholder applies to have the insurance ex-           2. In the event of culpable breaches of statutory or contrac-
                                    tended through an amendment to the policy, the para-               tual regulations or obligations, compensation can be re-
                                    graph above shall be applied by analogy to the new risk.           duced to the extent that these affected the occurrence or
                                                                                                       the extent of the damage unless the policyholder can
                                 2. Contracts for terms shorter than 12 months end on their
                                                                                                       show that there was in fact no such effect.
                                    expiry date. All other contracts are automatically ex-
                                    tended for successive terms of one year if they are not
                                    cancelled in writing three months prior to the end of the
                                    current term.                                                   Article 13 Obligations following a claim
                                                                                                    The beneficiary must
                                                                                                    1. inform the Company immediately;
                                 Article 9      Payment of premiums
                                                                                                    2. provide the details in writing which are required for justi-
                                 1. Premiums become payable on the date specified on the               fying its claim for compensation, give permission for any
                                    policy for each insurance year.                                    appropriate investigation for this and, on request, pro-
                                    If the premiums are not paid on the respective due date,           vide an index of the items present before and after the
                                    the Company sends the policyholder, at his own ex-                 damage and affected by the damage with indications of
                                    pense, a written reminder calling upon him to make                 value;
                                    payment within 14 days on pain of the consequences of           3. endeavour to preserve and rescue the insured items and
                                    failing to do so. If this reminder has no effect, the Com-         to mitigate the loss, as well as follow any instructions is-
                                    pany ceases to be on risk for damage which occurred                sued by the Company.
                                    from the expiry of the period of grace until the premiums
                                    have been paid in full.                                         In the event of theft, he must also
                                                                                                    4. notify the police without delay, request an official investi-
                                 2. If the amount of cover is adapted automatically, the pre-
                                                                                                       gation and not remove or interfere with evidence without
Kb 752 e XII 10 / H 15 edition




                                    mium is increased or lowered accordingly every year.
                                                                                                       police consent;
                                 3. Where an interim payment is made, the instalments of            5. inform the Company without delay if stolen items are
                                    the annual premium which have not been paid yet shall              produced again, or if he receives information about
                                    still be owed, subject to article 11 GTC. Each instalment          them.
                                    may be subject to a surcharge.
                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                                Page 5/10
                                 Article 14 Assessment of the loss                                  c) Costs for emergency glazing, doors and locks:
                                                                                                       The effective costs for carrying out the measures
                                 1. The beneficiary and the Company are both entitled to
                                                                                                       taken are authoritative.
                                    call for an immediate damage inspection.
                                                                                                    d) Costs of changing locks:
                                 2. The beneficiary must prove the amount of the damage.               The effective costs for changing or replacing locks at
                                    The sum insured does not constitute proof of the pres-             the locations listed in the policy and on bank safe-
                                    ence and value of the insured items.                               deposit boxes leased by the beneficiary, including
                                    The damage is inspected by the parties themselves, by              the appropriate keys, are authoritative.
                                    a joint expert or by means of an expert procedure.              e) Costs for the replacement of identity papers, credit
                                 3. Either party may call for an expert procedure to be con-           cards, store charge cards and other documents, as
                                    ducted. Each party nominates an expert. Before assess-             well as costs for blocking credit cards and store
                                    ing the damage, these experts appoint a chairman.                  charge cards:
                                                                                                       The effective costs for the replacement of identity
                                    The experts assess the value of the insured, rescued
                                                                                                       cards and other documents, or of duplicates thereof,
                                    and damaged items immediately before and after the
                                                                                                       and the costs for blocking credit cards and store
                                    loss event. In the case of replacement value insurance,
                                                                                                       charge cards are authoritative.
                                    the replacement value or the residual value on a re-
                                    placement value basis is applied; in the case of current     3. Costs of mitigating the loss are also paid. Insofar as
                                    value insurance, the current value is applied.                  these and the compensation together exceed the sum
                                    If their estimated values do not coincide, the chairman         insured, they are paid only if they are expenses which
                                    decides on the points of contention within the limits of        are incurred on the instructions of the Company. No
                                    the two estimates.                                              compensation is paid for services rendered by the fire
                                                                                                    brigade, police or other agency which is committed to
                                    The values estimated by the experts are binding unless
                                                                                                    provide assistance.
                                    it can be shown that they diverge obviously and signifi-
                                    cantly from the actual state of affairs. The onus of proof   4. Insofar as these General Terms and Conditions include
                                    of such a divergence is on the party maintaining that it        payment limits, there is only one claim per loss event
                                    exists.                                                         even if such cover is provided in different policies by the
                                    Each party bears the costs of its own expert and half the       Company.
                                    costs of the chairman.                                       5. In the case of theft, the beneficiary is required to return
                                                                                                    the compensation for any items recovered subsequently,
                                                                                                    less the payment made to reflect any reduction in value
                                                                                                    or to make the item available to the Company.
                                 Article 15 Compensation calculations
                                 1. The compensation for household contents is calculated
                                    on the basis of the amount required to purchase it new
                                    at the time of the claim (= replacement value) less the      Article 16 Level of compensation / underinsurance
                                    residual value. Personal sentimental value is not consid-
                                    ered.                                                        1. Underinsurance
                                                                                                    If the sum insured is lower than the replacement value of
                                     Special features                                               the entire household contents, compensation is only paid
                                     a) In the case of current value insurance, the amount          for the claim in proportion to the ratio between the sum
                                        compensated is the amount required to purchase it           insured and the replacement value; in the event of a par-
                                        new at the time of the claim less any reduction in          tial loss, the compensation is consequently reduced ac-
                                        value due to wear and tear or other reasons.                cordingly. This provision does not apply to items of
                                     b) In the case of partial damage, the repair costs are         monetary value, guests' personal effects and entrusted
                                        remunerated, albeit no more than the value of a new         items, costs, as well as in the case of simple theft away
                                        acquisition.                                                from home.
                                     c) In the case of thefts at home, damage caused to the         In the case of losses which occur away from home, the
                                        building is also covered within the scope of the sum        replacement value is calculated on the basis of both the
                                        insured.                                                    items which are located away from home and those
                                                                                                    which are at home.
                                     d) In the case of water damage, the costs will also be
                                        paid for repairing and thawing frost-damaged water          The compensation is limited by the sum insured. In the
                                        pipes and equipment connected to them installed in-         case of insurance at full value, no underinsurance is cal-
                                        side the building by the policyholder as tenant.            culated in losses which altogether account for less than
                                                                                                    10% of the total sum insured, up to a maximum of
                                 2. In the case of costs in accordance with article 2.2 GTC,        CHF 100 000.
                                    the compensation is calculated as follows.
                                                                                                    If the total loss amounts to more than 10% of the total
                                    a) Additional living costs:                                     sum insured or more than CHF 100 000, compensation
                                        The costs arising from the non-usability of damaged         is only paid for the amount in excess of this threshold in
                                        premises, as well as the loss of income from sublet-        proportion to the ratio between the sum insured and the
                                        ting are authoritative. Costs saved are deducted.           replacement value or, in the case of new value insur-
                                    b) Clearance costs:                                             ance, between the sum insured and the new value.
                                        The effective costs of clearing residue of the insured      In the case of "First risk", the loss is reimbursed up to a
                                        household contents from the loss location and their         maximum of the agreed sum insured, without allowing
Kb 752 e XII 10 / H 15 edition




                                        removal to the nearest suitable deposit location, as        for any underinsurance.
                                        well as depositing, disposal and destruction costs are
                                        authoritative.



                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                            Page 6/10
                                 2. Natural hazard events                                          Article 20 Change of owner
                                    If the compensation determined by all insurance compa-         If the object of the insurance contract or the items belonging
                                    nies which may operate insurance activities in Switzer-        to the insured business/object change hands, the insurance
                                    land                                                           cover will remain as a precaution until the date when the
                                    a) exceeds CHF 25 million for an individual policyholder       premium is next due – or in insurance policies with a one-off
                                         from an insured event in Switzerland, it is reduced to    premium, until the end of the contract –, provided the Com-
                                         this sum. The right to a further reduction is reserved    pany does not confirm the end of the insurance contract
                                         in accordance with the following paragraph;               within 14 days of notification of the change of owner. This
                                    b) exceeds CHF 1 billion for an insured event in Swit-         precautionary insurance cover will cease to apply retroac-
                                         zerland, the compensation apportionable to the indi-      tively to the time of the change of ownership if the acquiring
                                         vidual beneficiaries is reduced to such an extent that    party does not apply to the Company for an insurance con-
                                         together they do not amount to more than this sum.        tract with identical or more extensive insurance cover, effec-
                                                                                                   tive retroactively to the above point in time, or if alternative
                                    Compensation for damage to chattels and buildings is           insurance cover exists in full or in part.
                                    not added together.
                                    Damage separated temporally and spatially forms a sin-
                                    gle event if it can be attributed to the same atmospheric
                                    or tectonic cause.                                             Article 21 Jurisdiction and applicable law
                                                                                                   1. The policyholder or beneficiary can select the usual place
                                                                                                      of jurisdiction, his Swiss place of residence, or the loca-
                                 Article 17 Deductible                                                tion of the insured item, as the place of jurisdiction, pro-
                                                                                                      vided it is in Switzerland.
                                 The beneficiary is required to pay – per event – the following
                                 deductible in damage attributable to                              2. Solely Swiss law, particularly the Swiss Federal Act on
                                                                                                      Insurance Contracts, is applicable to this insurance con-
                                 1. natural hazard events: CHF 500 of the compensation                tract.
                                    and
                                 2. theft (i.e. burglary, robbery and simple theft): CHF 200 of
                                    the compensation, provided a higher deductible is not
                                    agreed.



                                 Article 18 Payment of the compensation
                                 1. The compensation is due 30 days after the date when
                                    the Company receives the documents required to as-
                                    sess the level of loss and its liability. 30 days after the
                                    occurrence of the loss event the policyholder may re-
                                    quest an interim payment of the minimum sum due in
                                    accordance with the current assessment of the loss.
                                 2. The Company is not obliged to make this payment while
                                    it remains impossible, for reasons attributable to the poli-
                                    cyholder or beneficiary, to determine or disburse the
                                    amount of compensation payable.
                                 3. Claims are not due for payment particularly if:
                                    a) there are doubts as to whether the claim of the bene-
                                       ficiary to receive payment is justified;
                                    b) a police or criminal investigation of the damage is be-
                                       ing conducted and proceedings against the policy-
                                       holder or beneficiary have not reached a conclusion.



                                 Article 19 Contract termination following a claim
                                 1. Following a claim for which the Company makes pay-
                                    ments, the contract may be terminated by the Company
                                    at the time when payment is made at the latest and by
                                    the policyholder within 14 days of being notified of the
                                    payment at the latest.
                                 2. If the contract is cancelled, the Company's liability ex-
                                    pires 14 days after the other party is informed of the can-
                                    cellation.
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                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                              Page 7/10
                                                                                                  4. damage which is or may be covered by fire, water or
                                 Additional cover for                                                glass insurance in accordance with the provisions for
                                 personal computers (PC)                                             household contents insurance;
                                                                                                  5. damage or loss of any kind due to theft (burglary, rob-
                                                                                                     bery, simple theft);

                                 Article 30 Principle                                             6. expenditure incurred for the replacement or repair of
                                                                                                     components, parts or whole modules provided this has
                                 The provisions of the Household Contents Insurance are              not demonstrably been caused by any external effect
                                 amended or supplemented as follows with reference to this           acting upon the insured item;
                                 additional cover.
                                                                                                  7. damage as a direct consequence of lasting, foreseeable
                                                                                                     influences of a mechanical, thermal, chemical or electri-
                                                                                                     cal nature, such as ageing, wear and tear, corrosion and
                                 Article 31 Insured items                                            oxidation;

                                 1. In amendment of article 2 GTC, PCs including associ-          8. damage for which statutory or contractual liability rests
                                    ated equipment (such as monitors and printers), as well          with the manufacturer or retailer as such, or with the re-
                                    as fixed data media and operating systems, which are in          pair or maintenance company;
                                    the possession of the policyholder and of persons living      9. changes or losses of operating systems which are not
                                    with him in a shared household, are covered by the pol-          the direct consequence of the fixed data media being
                                    icy up to a new value of CHF 15 000 (full value insur-           damaged or destroyed (by computer viruses, for exam-
                                    ance) within the scope of the provisions set forth below.        ple) on which the operating systems were saved.
                                 2. If the replacement value of the insured items exceeds
                                    CHF 15 000, the Company is to be informed immedi-
                                    ately. Otherwise, the provision on underinsurance in ac-
                                    cordance with article 16.1 GTC applies in the event of a      Article 34 Insured benefits
                                    claim.                                                        1. In amendment of article 7 GTC, the repair costs are to
                                 3. In amendment of articles 6.1 and 6.2 GTC, the policy             be paid, although not in excess of the current value.
                                    covers the insured items at the location specified in the        The current value is the replacement value less a depre-
                                    policy, as well as up to a maximum of CHF 2 000 in tran-         ciation (amortisation) of 1% per month (max. 70%); the
                                    sit within Switzerland, the Principality of Liechtenstein        depreciation commences when the insured item is first
                                    and the enclaves of Büsingen and Campione. Higher or             put into operation.
                                    worldwide cover is only provided for the transit risk under      The costs of provisional repairs are paid provided they
                                    the policy on the basis of a special agreement.                  are carried out with the agreement of the Company.
                                                                                                  2. If there is a maintenance agreement in place for the in-
                                                                                                     sured items (upkeep and repair of faults and damage
                                 Article 32 Insured risks and damage                                 which are not caused by any external factor, including
                                                                                                     the cost of parts and labour),
                                 1. In amendment of article 3 GTC, this additional cover in-
                                    cludes insurance for unforeseen or sudden damage or              −   the Company shall waive depreciation (amortisation);
                                    destruction of the insured items as a consequence of ex-         −   the Company shall also pay the repair costs over and
                                    ternal effects, due in particular to                                 beyond the current value, although not in excess of
                                     −    incorrect operation, ineptitude, negligence;                   the amount required to purchase it new at the time of
                                                                                                         the claim (= replacement value).
                                     −    toppling over, being dropped, impacts;
                                                                                                  3. The clearance and disposal costs which arise in connec-
                                     −    air pollution, foreign bodies, soot;
                                                                                                     tion with insured damage shall also be compensated.
                                     −    temperature and moisture effects;                          However, these benefits shall be limited to a maximum
                                     −    vibrations;                                                of 5% of the new value of the insured items.
                                     −    voltage surges.
                                 2. In amendment of article 5.2 para. a GTC, this additional
                                    cover includes insurance for damage due to the effect of      Article 35 Deductible
                                    electricity, i.e. damage to insured, live items in accor-     In amendment of article 17 GTC, CHF 200 per claim is to be
                                    dance with article 31.1 GTC due to the effect of the elec-    deducted from compensation payments on the basis of this
                                    trical energy itself or through heating due to overloading.   additional cover.



                                 Article 33 Limitations in the scope of cover
                                 Supplementing article 5.1 GTC, this additional cover does
                                 not include insurance for
                                 1. game consoles;
Kb 752 e XII 10 / H 15 edition




                                 2. costs for modifications, improvements, inspection and
                                    maintenance work which is performed in connection with
                                    the repair;
                                 3. any reduction in value due to the repair;

                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                            Page 8/10
                                                                                                  2. items of monetary value, i.e. money, credit cards, store
                                 Additional cover                                                    charge cards, securities, savings books, precious metals
                                 for luggage                                                         (as stocks, bars or merchandise), coins and medals,
                                                                                                     loose precious stones and pearls;
                                                                                                  3. damage which is or may be covered by fire, theft (bur-
                                                                                                     glary, robbery and simple theft), water or glass insurance
                                 Article 50 Principle                                                in accordance with the provisions for household contents
                                                                                                     insurance;
                                 The provisions of the Household Contents Insurance are
                                 amended or supplemented as follows with reference to this        4. PCs which are specially insured. This clause does not
                                 additional cover.                                                   apply if the insurance policy referred to here contains an
                                                                                                     analogous clause;
                                                                                                  5. damage as a result of wear and tear, the natural or poor
                                 Article 51 Insured items                                            condition of the insured items, or the effect of tempera-
                                                                                                     ture or weather factors;
                                 In amendment of article 2 GTC, the policy shall cover items
                                 taken by the policyholder and by persons living with him in a    6. damage as a result of being dropped;
                                 shared household on the trip for their own personal use,         7. damage to sports equipment such as skis, snowboards,
                                 within the scope of the provisions set forth below.                 tennis rackets, surfboards, inline skates, as well as to bi-
                                                                                                     cycles and scooters when used;
                                                                                                  8. damage as a result of orders issued by the authorities.
                                 Article 52 Insured risks and damage
                                 In amendment of article 3 GTC, this additional cover in-
                                 cludes insurance for
                                                                                                  Article 56 Deductible
                                 1. damage or destruction;
                                                                                                  In amendment of article 17 GTC, CHF 200 per event is to be
                                 2. loss during forwarding by a transport company;                deducted from compensation payments on the basis of this
                                                                                                  additional cover.
                                 3. delayed delivery by a public transport company.



                                 Article 53 Geographical scope                                    Article 57 Obligations following a claim

                                 In amendment of article 6 GTC, the insurance within the          In amendment of article 13.1 GTC, the insured persons shall
                                 scope of the additional cover applies worldwide when and         1. in the event of damage, delayed delivery or loss during
                                 for as long as the insured persons are away from their per-         the forwarding of the luggage, request a report confirm-
                                 manent place of residence.                                          ing the causes, circumstances and extent of the damage
                                                                                                     or loss from the competent organisation (hotel manage-
                                                                                                     ment, tour manager, transport company, etc.);
                                 Article 54 Insured benefits                                      2. inform EUROPEAN in writing as soon as they return
                                 In amendment of article 7 GTC, EUROPEAN TRAVEL                      from their trip and substantiate the claims;
                                 INSURANCE COMPANY LTD in Basel (hereinafter called               3. submit the following supporting evidence: report on the
                                 "EUROPEAN") shall reimburse                                         circumstances, confirmation, receipts or purchase con-
                                 1. the replacement value in the case of the total loss of in-       firmations (originals).
                                    sured items;
                                 2. the costs of the repair in the case of partial loss, albeit
                                    not in excess of the replacement value;                       Article 58 Multiple claim rights
                                 3. the cost of glasses, contact lenses and prosthetic limbs      If the insured persons have claims for compensation against
                                    up to the amount of 20% of the sum insured;                   other licensed insurers, EUROPEAN shall, within the scope
                                                                                                  of the agreed benefits, only pay the portion of the costs
                                 4. replacement costs in the event of the loss of passports,      which is not covered by the other insurer(s).
                                    identity cards, driving licences, vehicle registration
                                    documents and similar items of identification, and of
                                    keys;
                                 5. the costs of essential purchases up to CHF 1 000 in the       Article 59 Settlement of claims
                                    event of delayed delivery of luggage by a public trans-       Claims shall be settled by EUROPEAN.
                                    port company.
                                                                                                  The insured persons shall reserve the right to assert a claim
                                                                                                  directly against EUROPEAN.
                                 Article 55 Limitations in the scope of cover
                                 Supplementing article 5.1 GTC, EUROPEAN shall not pay
Kb 752 e XII 10 / H 15 edition




                                 any benefits for
                                 1. tickets, certificates and documents of any kind (subject
                                    to article 54.4 GTC), software, stamps, merchandise,
                                    samples and items of artistic value or collectibles;

                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                             Page 9/10
                                                                                                  Article 73 Limitations in the scope of cover
                                 Additional cover for
                                                                                                  In amendment of article 5 GTC, EUROPEAN shall not pay
                                 SOS Home Assistance                                              any benefits
                                                                                                  – if original documents are not furnished in support of a
                                                                                                      claim for costs to be paid;
                                                                                                  – if the insured persons neglect to repair or rectify recur-
                                 Article 70 Principle
                                                                                                      rent loss events following deployment by EUROPEAN.
                                 The provisions of the Household Contents Insurance are
                                                                                                  The policy also does not cover
                                 amended or supplemented as follows with reference to this
                                 additional cover.                                                – the cost of meals and telephone calls;
                                                                                                  – the cost of services which are arranged by the insured
                                                                                                     persons without seeking the prior permission of EURO-
                                                                                                     PEAN.
                                 Article 71 Insured persons
                                 The policy covers the policyholder and the persons living
                                 with him in a shared household.
                                                                                                  Article 74 Obligations following a claim
                                                                                                  In amendment of article 13 GTC, EUROPEAN must be in-
                                                                                                  formed immediately via its (24-hour) Central Call-out Ser-
                                 Article 72 Insured benefits                                      vice, either via the number +41 848 801 803, via the
                                 In amendment of article 7 GTC, the policy shall cover ex-        freephone number +800 8001 8003 or by fax on
                                 penditure incurred for assistance in the event of a sudden,      +41 848 801 804.
                                 unforeseen event, within the scope of the provisions set         Supplementing article 13 GTC, the following shall also ap-
                                 forth below. This is any loss event resulting in an emergency    ply:
                                 response as a consequence of fire, theft, water or glass
                                 breakage as described in articles 3.1 – 3.4 GTC.                 1. Responsibility for providing advice and aid, in particular
                                 EUROPEAN TRAVEL INSURANCE COMPANY LTD in                            for coordinating assistance, rests with EUROPEAN.
                                 Basel (hereinafter called "EUROPEAN") is to coordinate the       2. Liability shall not be accepted for flaws in assistance
                                 following assistance and reimburse the costs incurred for           which are attributable to delays in notifying EUROPEAN.
                                 1. arranging for a skilled tradesman and engaging his ser-       3. Courses of action, and especially the financial conse-
                                    vices up to CHF 500 to the extent that emergency re-             quences of them, to be taken by the insured persons on
                                    pairs have to be carried by at the insured person's home         their own initiative are to be discussed beforehand with
                                    by the tradesman (electrician, plumber, glazer, electro-         EUROPEAN, and its instructions must be followed.
                                    mechanical technician, heating engineer, joiner, etc.)
                                    due to a sudden, unforeseen event and in order to avoid       4. Original documents which are required by EUROPEAN
                                    consequential losses;                                            for assessing benefits must be provided within twenty
                                                                                                     days of the claim having been made.
                                 2. arranging for a key and locksmith service and engaging
                                    its services up to CHF 500 to the extent that locks have
                                    to be replaced or repaired at the home of the insured
                                    persons as a result of the loss or theft of a key or a bur-   Article 75 Multiple claim rights
                                    glary;
                                                                                                  If the insured persons have claims for compensation against
                                 3. arranging for security and engaging its services to moni-     other licensed insurers, EUROPEAN shall, within the scope
                                    tor the damaged building up to CHF 500 to the extent          of the agreed benefits, only pay the portion of the costs
                                    that the home of the insured persons is no longer secure      which is not covered by the other insurer(s).
                                    in the event of a sudden, unforeseen event and has to
                                    be protected by a security guard;
                                 4. 24-hour assistance (worldwide) in the event of the theft
                                                                                                  Article 76 Settlement of claims
                                    or loss of household contents including items of mone-
                                    tary value. EUROPEAN shall arrange for an advance of          Claims shall be settled by EUROPEAN.
                                    up to CHF 2 000, which is repayable within 30 days, to
                                    be organised and made available if a solution via the in-     The insured persons shall reserve the right to assert a claim
                                    sured person's bank or via the postal service cannot be       directly against EUROPEAN.
                                    found within 24 hours.
                                    EUROPEAN shall also assist in the replacement of per-
                                    sonal documents and identification;
                                 5. On request, EUROPEAN shall pass on urgent messages
                                    to relatives following a sudden, unforeseen event if the
                                    insured persons are unable to do so themselves.
                                 The insured persons' home/place of residence is the loca-
                                 tion in Switzerland specified in the policy.
Kb 752 e XII 10 / H 15 edition




                                 Swiss National
                                 Insurance Company Ltd, Basel                                                                                           Page 10/10

				
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