WHAT RISKS CAN BE INSURED?. 2 7.1. Prevention of damage 3
WHAT RISKS CAN BE INSURED?. 4
5.1. Fire 4
5.2. Natural perils 4 5.3. Theft 5 5.4. Water 5
WHAT RISKS CAN BE INSURED?. Provided it is so stated in the schedule, the insur- ance shall extend to include:
5.1. Fire
1 Loss or damage caused by fire, smoke, light- ning, explosion (with the exception of sonic boom) and implosion;
2 Loss or damage caused by the falling or forced landing of aircraft and spacecraft or parts thereof, as well as meteorites or other heavenly bodies;
3 Misplacement as the result of a fire loss; 4 scorching damage and damage to contents which are exposed to a friendly fire or to heat, up to CHF 5,000 per event.
a Loss or damage caused by the effect of smoke, where the effect is in line with the intended pur- pose of the smoke or gradual;
b Damage to live electrical equipment and lines caused by the effect of the electrical energy it- self, by overvoltage or due to such equipment and lines heating up as the result of their being overloaded;
c Damage caused to electrical protection devices such as non-renewable fuses whilst they are ful- filling their normal intended purpose; d scorching damage by any gradually operating cause;
5.2. Natural perils
1 Loss or damage caused by flood, inundation, storm (= wind of at least 75 km/h, toppling trees or tearing the roofs off buildings), hail, avalanche, weight of snow, rockfall, falling stones, landslip;
2 Misplacement as the result of a natural peril loss.
1 Burglary, which the following come within the scope of: - Loss or damage resulting from theft and caused by perpetrators who make a forcible entry into a building or into a room of a build- ing or who break open a receptacle contained therein. This does not include loss or damage as the result of vehicles in the open being broken into; - Outbreak theft which means a theft caused by an enclosed delinquent, who escapes forcibly from a building or from a room of the building; - Theft damage caused by unlocking using the correct keys or codes, magnetic cards and the like, provided the perpetrator acquired these on the occasion of a burglary or through rob- bery; - Damage to buildings and / or contents at the stated insurance location.
2 Robbery, which the following comes within the scope of: Loss or damage resulting from theft under the threat of or use of violence against insured per- sons or whenever a person is incapable of offering resistance on account of death, unconsciousness or of an accident. This does not include loss or damage as the result of pickpocketing and theft by trickery.
3 Ordinary theft, which the following comes within the scope of: Loss or d...
WHAT RISKS CAN BE INSURED?. Your Legal Liability to third parties as building owner for amounts up to the Limit of liability stated in the Schedule. Including liability from the land be- longing to such building as well as adjoining build- ings and not including buildings used for commer- cial purposes. We will pay for any amounts you become legally liable to pay as damages for; * bodily injury * damage to property caused by an accident happening at the premises during the period of insurance.
a. Bodily injury to, you, any other permanent member of the home or any person who at the time of sustaining such injury is employed by you.
b. Legal liability arising out of any criminal or vio- lent act to another person or property
c. Damage to property owned by or in the charge or control of either you, any other permanent member of the home or any person engaged in your service
d. Legal liability arising directly or indirectly out of any profession, occupation, business or em- ployment.
e. Your legal liability by having entered into a contract and which would not otherwise be covered.
f. Pollution and/or contamination unless it is caused by a sudden, identified, unexpected and unforeseen accident which happens in its entirety at a specific moment of time during the period of insurance at the premises named in the schedule and reported to us not later than thirty (30) days from the end of the period of insurance
g. Your ownership, occupation, possession or use of any land or building that is not within the premises
h. Claims resulting from gradually occurring damage and wear and tear damage.
i. Expenditure on the detection of leaks, mal- functions and on establishing the causes of damage, on the emptying and refilling of instal- lations, containers and pipes, as well as on the costs of repairs and alterations to the same (renovation costs);
j. Sums expended, where it is only as the result of the fact that several events, which are simi- lar in their effects (e.g. occasional dripping of harmful substances into the ground, the re- peated spillage of liquids out of mobile con- tainers), have combined to trigger measures which would not be necessary in case of indi- vidual events of this kind;
k. Loss prevention costs arising from events caused by motor vehicles, water craft and air- craft, or by their parts or accessories;
l. The costs incurred on the elimination of a haz- ardous situation within the meaning of sub- paragraph 7.1.
WHAT RISKS CAN BE INSURED?. Your Legal Liability to third parties as building owner for amounts up to the Limit of liability stated in the Schedule. Including liability from the land belonging to such building as well as adjoining buildings and not including buildings used for commercial pur- poses. We will pay for any amounts you become le- gally liable to pay as damages for; * bodily injury * damage to property caused by an accident happening at the premises during the period of insurance.
a. Bodily injury to, you, any other permanent mem- ber of the home or any person who at the time of sustaining such injury is employed by you.
b. Legal liability arising out of any criminal or vio- lent act to another person or property
c. Damage to property owned by or in the charge or control of either you, any other permanent member of the home or any person engaged in your service
d. Legal liability arising directly or indirectly out of any profession, occupation, business or em- ployment.
e. Your legal liability by having entered into a con- tract and which would not otherwise be cov- ered.
f. Pollution and/or contamination unless it is caused by a sudden, identified, unexpected and unforeseen accident which happens in its en- tirety at a specific moment of time during the pe- riod of insurance at the premises named in the schedule and reported to us not later than thirty