One insurance claim or two?

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  • BenutzernameMaryjane
  • Status Member
  • Registriert seit1/24/17
  • Beiträge6

My expensive bag was stolen with my phone inside. Should I file just one household insurance claim for my bag, or would it be better to file separate claims for the phone and bag?

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Deductibles and maximum sums insured apply on a per-claim basis, so you will save money by filing separate claims. Just bear in mind that filing too many claims in too short a time-frame could lead your insurer to consider terminating your policy if they feel that your risk-level has gone up substantially.

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Cheap bank accounts with card

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  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

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Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

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Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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  • Banking partner: Swissquote & Postfinance

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